| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Attn : XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
ONEMAIN XXXX XXXX XXXXXXXX XXXX XXXX
XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
ONEMAIN FINANCIAL XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail Stop XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL.
I, XXXX, XXXX XXXX here on behalf of XXXX XXXX hereby accepts all titles, rights, interest and equity owed to the XXXX XXXX.
I was given a call from the number ( XXXX ) XXXX from an executive with ONE MAIN FINANCIAL on XX/XX/XXXX at XXXX XXXX. I was told that the application was not finished, but I have already submitted the application. I also stated that I filled out the application for {$10000.00} but ONE MAIN FINANCIAL was counter offering me {$5600.00}. Documentation has also been sent to ONE MAIN FINANCIAL previously. A copy of the Federal Reserve Act was included in the documentation. This will be my third letter to ONE MAIN FINANCIAL.
Update : On XX/XX/XXXX ONE MAIN FINANCIAL by XXXX contacted me. At first I was told the loan amount was for {$10000.00}. At that time, I believed this call was connected to the one I received the day before. Upon asking further questions I was told that the loan amount was for {$5600.00}. I mentioned to XXXX that I already talked with someone yesterday. I asked if she was aware of that and she stated that she was not. I then asked her if she had the application and paperwork that I sent and she also stated that she did not. She stated that the application was pushed through to her. She asked what did I have for collateral, which confused me. I then realized that ONE MAIN FINANCIAL was trying to finalize the loan for {$5600.00}. I mentioned the conversation I had with an executive member again and asked her if she was familiar with the Federal Reserve Act. She was not. She then out me on hold and the Branch Manager XXXX XXXX got on the phone seemingly perturbed. She stated that my application was not collateral. She also stated that they dont go by the same guidelines. She essentially stated that they do not follow the law. She mentioned that they used investors. I then asked her where the investor would keep their money and she said a bank. This confused me because if they deal with banks, which they would have to being that they deal with money, wouldnt that make the company an affiliate? She then reiterated that I need to submit a collateral and I replied that I already had by submitting the application along with tender which under the Federal Reserve Act, is the collateral Security. I also mentioned the Equal Credit Opportunity Act. Essentially I was being forced to submit personal belongings on top of the security I already sent along with tender. I asked if there was anyone else I could speak to and she said no and that I would receive a letter. I was denied credit on the phone.
On XX/XX/XXXX I received an email stated that I was denied. But in documentation I received on XX/XX/XXXX I was approved on contingencies that had nothing to do with XXXX or any other credit-reporting agency. What this essentially means is I was approved until I showcased my competency of the law. I believe I am being discriminated against because I am exercising my rights under the Consumer Credit Protection Act as well as the Federal Reserve Act. If I didnt mention these laws and I continued with the transaction I would not have received a denial letter by email.
On XX/XX/XXXX I received a letter dated for XX/XX/XXXX that stated : OneMain believes you are mistaken on all points of law in your complaint This is said but none of my points of law have been refuted. Furthermore I have gone back to that letter and here is my clarification : Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX XXXX District of Columbia, or at any Federal Reserve bank.
The said notes are OBLIGATIONS OF THE UNITED STATES.
The Federal Reserve Act states that under Section 16 Part 2 Any Federal Reserve Bank may make application to the Local Federal Reserve notes hereinbefore provided ( in Section 16 Part 1 ) for as it may require.
Does a bank or financial institution fill out its own applications?
Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
I attached a tender to the application printout that I sent with my first letters.
The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this act, or bills of exchange endorsed by a member bank of any Federal reserve district and purchased under the provisions of section 14 of this act, or bankers acceptances purchased under provisions of said section 14, or gold certificates, or special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that the Federal Reserve banks may purchase or hold under section 14 of this act or any other asset of a Federal Reserve Bank. In no event shall such security collateral be less than the amount of Federal Reserve Notes applied for.
Collateral is an asset you can pledge to secure financing. The collateral security I offered was the application with the XXXX XXXX name and social security number. Along with that a tender was attached.
I applied for {$10000.00} and gave ONE MAIN FINANCIAL the security on behalf of XXXX XXXX XXXX which on face value would be worth {$10000.00} ( the same amount I applied for ). I was then offered {$5600.00}. Thats where I have an issue. Essentially the collateral security I submitted was {$10000.00} I am now being told that it is {$5600.00}. ONE MAIN FINANCIAL is changing the terms. I applied for {$10000.00} Federal Reserve Notes. Thus making it less than the amount of Federal Reserve notes I applied for.
In no event shall such collateral security be less than the amount of Federal Reserve Notes applied for.
Further more here are more laws from the Consumer Credit Protection Act and other pertinent USC Statutes : In pursuant to 15 USC 1602 ( L ) the term credit card was used to initiate the consumer credit transaction The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
My social security card was used to initiate this transaction. By definition in the United States Code my social security card is a credit card.
A transaction took place so therefore someone got paid.
I am also the cardholder and holder in due course.
Pursuant to 15 USC 1602 ( N ) I am the one who came with the credit to initiate the transaction. It is not possible to be denied when I used the credit card to initiate the transaction. By possessing this card and being the original creditor, I am automatically approved and I am automatically credit worthy, by law.
Pursuant to 15 USC 1691 ( b ) and ( c ) the contingencies of approval for the application fro ONE MAIN FINANCIAL are not listed, this means that the actions taken by ONE MAIN FINANCIAL constitute as discrimination.
Pursuant to 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Again, pursuant to laws under the United States Code I am the original creditor.
Credit is my right and I am the one who regularly extends credit pursuant to 15 USC 1062 ( g ). I am the original creditor and I am well aware of my rights.
I know that reporting to the consumer reporting agencies is voluntary. This is an inequitable transaction. Nowhere in the FCRA does the term adverse action state that a natural person can be denied credit.
As the original creditor it is unlawful to deny me my right to grant credit. Furthermore my credit was used and I received no benefit for the use of my credit. An inquiry is a receipt of a transaction. An inquiry showed up on my consumer report which means someone used my credit and I received no benefit from it at all. I never got anything from this transaction. In fact damages were done from the denial of my rights mentally and financially.
Unauthorized use 15 USC 1602 ( p ) ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Ive been discriminated against, as there are no Federal laws that state I can be denied of my right to extend credit. I have in good faith exercised my rights and I the natural person on behalf of the XXXX XXXX have been discriminated against for exercising my rights pursuant to 15 USC 1691 : ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( XXXX ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter For the damages that have been done to my mental distress and financial reputation, as I take my consumer report and life seriously, I will take this to a Federal level if my requests to open account ( XXXX ) are not honored. I am aware of my open end credit plan and my right to contract unlimited without being denied. I demand ONE MAIN FINANCIAL abide by federal law and open the account ( XXXX ) for which Ive extended credit.
The fact remains that the XXXX XXXX has provided XXXX MAIN FINANCIAL with security collateral and has not received anything in return. This is inequitable to the XXXX XXXX and only benefits ONE MAIN FINANCIAL.
XXXX XXXX was approved on certain conditions but only offered {$5600.00} as opposed to what was initially applied for. This is a violation under the Federal Reserve Act as well as the United States Code.
ONE MAIN FINANCIAL has intentionally violated my rights.
I hereby instruct XXXX or indentured trustee for ONE MAIN FINANCIAL to release any titles, interest, equity or rights owed to the XXXX XXXX.
Send the loan applied for by the XXXX XXXX, which is in the amount of {$10000.00} as well as any other interest, titles, rights and equity to the address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX
If this is not done ONE MAIN FINANCIAL will owe {$10000.00} in punitive damages pursuant to 15 USC 1691 E Civil Liability ( b ), as well as the loan in the amount of {$10000.00}.
( b ) RECOVERY OF PUNITIVE DAMAGES IN INDIVIDUAL AND CLASS ACTION FOR ACTUAL DAMAGES ; EXEMPTIONS ; MAXIMUM AMOUNT OF PUNITIVE DAMAGES IN INDIVIDUAL ACTIONS ; LIMITATION ON TOTAL RECOVERY IN CLASS ACTIONS ; FACTORS DETERMINING AMOUNT OF AWARD Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or XXXX per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional.
ONE MAIN FINANCIAL will also be subject to the Section 29 Civil Money Penalty Pursuant to the Federal Reserve Act for XXXX this continues retroactive to when ONE MAIN FINANCIAL was made aware of this issue.
Tier XXXX : XXXX XXXX XXXX XXXX : {$45000.00} Tier XXXX : XX/XX/XXXX XXXX XX/XX/XXXX : {$150000.00} Tier XXXX : XX/XX/XXXX Until resolved : Currently at the writing of this the amount is {>= $1,000,000} and will continue for each business day this issue is not resolved.
Total : {>= $1,000,000} Section 29. Civil Money Penalty ( a ) First Tier. Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues.
[ 12 USC 504 ( a ). A
s added by act of Nov. 10, 1978 ( 92 Stat. 3641 ) and amended by acts of Oct. 15, 1982 ( 96 Stat. 1523 ) and Aug. 9, 1989 ( 103 Stat. 470 ). ] ( b ) Second Tier. Notwithstanding subsection ( a ), any member bank which, and any institution-affiliated party ( within the meaning of section XXXX ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who 1.
A. commits any violation described in subsection ( a ) ; B. recklessly engages in an unsafe or unsound practice in conducting the affairs of such member bank ; or C. breaches any fiduciary duty ; 2. which violation, practice, or breach -- A. is part of a pattern of misconduct ; B. causes or is likely to cause more than a minimal loss to such member bank ; or C. results in pecuniary gain or other benefit to such party, shall forfeit and pay a civil penalty of not more than {$25000.00} for each day during which such violation, practice, or breach continues.
[ 12 USC 504 ( b ). As added by act of Nov. 10, 1978 ( 92 Stat. 3641 ) and amended by act of Aug. 9, 1989 ( 103 Stat. 470 ). ] ( c ) Third Tier. Notwithstanding subsections ( a ) and ( b ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who -- 1. knowingly -- A. commits any violation described in subsection ( a ) ; B. engages in any unsafe or unsound practice in conducting the affairs of such credit union ; or C. breaches any fiduciary duty ; and 2. knowingly or recklessly causes a substantial loss to such credit union or a substantial pecuniary gain or other benefit to such party by reason of such violation, practice, or breach, shall forfeit and pay a civil penalty in an amount not to exceed the applicable maximum amount determined under subsection ( d ) for each day during which such violation, practice, or breach continues.
[ 12 USC 504 ( c ). As added by act of Nov. 10, 1978 ( 72 Stat. 3641 ) and amended by act of Aug. 9, 1989 ( 103 Stat. 470 ). ] ( d ) Maximum Amounts Of Penalties For Any Violation Described In Subsection ( c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- A. {>= $1,000,000} ; or B. 1 percent of the total assets of such member bank.
[ 12 USC 504 ( d ). As added by act of Nov. 10, 1978 ( 92 Stat. 3641 ) and amended by acts of Oct. 15, 1982 ( 96 Stat. 1523 ) and Aug. 9, 1989 ( 103 Stat. 470 ). ] ( e ) Assessment, Etc. Any penalty imposed under subsection ( a ), ( b ), or ( c ) shall be assessed and collected by 1. in the case of a national bank, by the Comptroller of the Currency ; and 2. in the case of a State member bank, by the Board, in the manner provided in subparagraphs ( E ), ( F ), ( G ), and ( I ) of section 8 ( i ) ( 2 ) of the Federal Deposit Insurance Act for penalties imposed ( under such section ) and any such assessment shall be subject to the provisions of such section.
[ 12 USC 504 ( e ). As added by act of Nov. 10, 1978 ( 92 Stat. 3641 ) and amended by act of Aug. 9, 1989 ( 103 Stat. 470 ). ] ( f ) Hearing. The member bank or other person against whom any penalty is assessed under this section shall be afforded an agency hearing if such member bank or person submits a request for such hearing within 20 days after the issuance of the notice of assessment. Section 8 ( h ) of the Federal Deposit Insurance Act shall apply to any proceeding under this section.
[ 12 USC 504 ( f ). As added by act of Nov. 10, 1978 ( 92 Stat. 3641 ) and amended by act of Aug. 9, 1989 ( 103 Stat. 470 ). ] ( g ) Disbursement. All penalties collected under authority of this paragraph shall be deposited into the Treasury.
[ 12 USC 504 ( g ). As added by act of Nov. 10, 1978 ( 92 Stat. 3641 ) and amended by act of Aug. 9, 1989 ( 103 Stat. 470 ). ] ( h ) Violate Defined. For purposes of this section, the term " violate '' includes any action ( alone or with another or others ) for or toward causing, bringing about, participating in, counseling, or aiding or abetting a violation.
[ 12 USC 504 ( h ). As added by act of Aug. 9, 1989 ( 103 Stat. 470 ). ] ( i ) Regulations. The Comptroller of the Currency and the Board shall prescribe regulations establishing such procedures as may be necessary to carry out this section.
[ 12 USC 504 ( i ). As added by act of Aug. 9, 1989 ( 103 Stat. 470 ). ] ( m ) * Notice Under This Section After Separation From Service. The resignation, termination of employment or participation, or separation of an institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to a member bank ( including a separation caused by the closing of such a bank ) shall not affect the jurisdiction and authority of the appropriate Federal banking agency to issue any notice and proceed under this section against any such party, if such notice is served before the end of the 6-year period beginning on the date such party ceased to be such a party with respect to such bank ( whether such date occurs before, on, or after the date of the enactment of this subsection ).
[ 12 USC 504 ( m ). As added by act of Aug. 9, 1989 ( 103 Stat. 461 ). ] If the CEO, CFO or indentured trustee for ONE MAIN FINANCIAL believe any points of law are incorrect they shall respond in writing refuting the points they believe are incorrect. Rebut any points that ONE MAIN FINANCIAL believes is incorrect with a detailed statement explaining why they believe the point of law is incorrect.
I hereby instruct the CEO, CFO or indentured trustee for ONE MAIN FINANCIAL Send the loan applied for by the XXXX XXXX, which is in the amount of {$10000.00} as well as any other interest, titles, rights and equity to the address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX
Please respond in writing if these instructions can not be completed. You have five business days. If I receive nothing stating that the instructions can not be completed, I can assume and presume these instructions have been successfully performed.
Notice of intent to sue was also sent on XX/XX/XXXX.
BY : XXXX XXXX XXXX FOR : XXXX XXXX XXXX XXXXXXXX XXXX
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| 05/16/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I have sent a certified notarized notice regarding debt validation and proof of claim since I found that the company has committed security fraud and filed inaccurate forms to the IRS. I advise the company to attach the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with the with U.S. Code Title 28 1746 ( Unsworn declarations under penalty of perjury ) within 30 days from the date of your receipt of this request for validation and proof of claim, which they refused to do and refused to abide by federal law. They have to prove that this debt has not already been discharged and paid to them. All contracts by law has to have a wet signature singed by both parties or is null and void which they have not supplied as well. I received an unsigned letter from the company advising that they will not abide by any and all federal laws and continue to commit security fraud without showing proof of debt owed by sending the following information to me : 1. Alleged Name and Address of Creditor : 2. Name on file of Alleged Debtor : 3. Alleged Account # : 4. Amount of Alleged debt : 5. Date that this Alleged debt became/becomes payable : 6. Date of original charge amount or delinquency : 7. Amount paid if debt was purchased : 8. Attach a copy of any signed agreement alleged debtor/Claimant has made with debt collector : 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters : 10. Produce the account and general ledger statement showing the full accounting of the Alleged obligation that you are now attempting collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049m 2099 ), 1099 OID report, S-314 registration statement, 424-85 Prospectus, RC-5 & RC-B call schedules : 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the Alleged debt : 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporation affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections : 13. Verify as a third-party debt collector ; you have not purchased evidence of the Alleged debt and are proceeding with collection activity in the name of the original maker of the note : 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity : 15. Provide verification from the stated creditor that you are authorized to act on their behalf : 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment is a violation of U.S. Code Title 18 1341 Part 1 Chapter 63 Per the following Federal Laws they must comply with my request : Fair Debt Collection Practices Act ( FDCPA ), Title 15 United States ( U.S. ) Code 1692 and as amended by adding the following new Title 8 U.S. Code 802 et seq., 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692g - Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
18 U.S. Code 2071 - Concealment, removal, or mutilation generally Whoever willfully and unlawfully conceals, removes, mutilates, obliterates, or destroys, or attempts to do so, or, with intent to do so takes and carries away any record, proceeding, map, book, paper, document, or other thing, filed or deposited with any clerk or officer of any court of the United States, or in any public office, or with any judicial or public officer of the United States, shall be fined under this title or imprisoned not more than three years, or both.
Whoever, having the custody of any such record, proceeding, map, book, document, paper, or other thing, willfully and unlawfully conceals, removes, mutilates, obliterates, falsifies, or destroys the same, shall be fined under this title or imprisoned not more than three years, or both ; and shall forfeit his office and be disqualified from holding any office under the United States. As used in this subsection, the term office does not include the office held by any person as a retired officer of the Armed Forces of the United States.
18 U.S. Code 2073 - False entries and reports of moneys or securities Whoever, being an officer, clerk, agent, or other employee of the United States or any of its agencies, charged with the duty of keeping accounts or records of any kind, with intent to deceive, mislead, injure, or defraud, makes in any such account or record any false or fictitious entry or record of any matter relating to or connected with his duties; or Whoever, being an XXXX, clerk, agent, or other employee of the United States or any of its agencies, charged with the duty of receiving, holding, or paying over moneys or securities to, for, or on behalf of the United States, or of receiving or holding in trust for any person any moneys or securities, with like intent, makes a false report of such moneys or securities Shall be fined under this title or imprisoned not more than ten years, or both.
18 U.S. Code Chapter 96 - RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS ( 1 ) racketeering activity means ( A ) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter, or dealing in a controlled substance or listed chemical, sections 471, 472, and 473 ( relating to counterfeiting ), sections 891894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1344 ( relating to financial institution fraud ), section 1956 ( relating to the laundering of monetary instruments ) 18 U.S. Code 471 - Obligations or securities of United States Whoever, with intent to defraud, falsely makes, forges, counterfeits, or alters any obligation or other security of the United States, shall be fined under this title or imprisoned not more than 20 years, or both.
18 U.S. Code 472 - Uttering counterfeit obligations or securities Whoever, with intent to defraud, passes, utters, publishes, or sells, or attempts to pass, utter, publish, or sell, or with like intent brings into the United States or keeps in possession or conceals any falsely made, forged, counterfeited, or altered obligation or other security of the United States, shall be fined under this title or imprisoned not more than 20 years, or both.
18 U.S. Code 473- Dealing in counterfeit obligations or securities Whoever buys, sells, exchanges, transfers, receives, or delivers any false, forged, counterfeited, or altered obligation or other security of the United States, with the intent that the same be passed, published, or used as true and genuine, shall be fined under this title or imprisoned not more than 20 years, or both.
18 U.S. Code 513 - Securities of the States and private entities ( a ) Whoever makes, utters or possesses a counterfeited security of a State or a political subdivision thereof or of an organization, or whoever makes, utters or possesses a forged security of a State or political subdivision thereof or of an organization, with intent to deceive another person, organization, or government shall be fined under this title [ 1 ] or imprisoned for not more than ten years, or both.
( b ) Whoever makes, receives, possesses, sells or otherwise transfers an implement designed for or particularly suited for making a counterfeit or forged security with the intent that it be so used shall be punished by a fine under this title or by imprisonment for not more than ten years, or both.
18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS 18 U.S. Code 1005 - Bank entries, reports and transactions Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System ; or Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to in this section, participates or shares in or receives ( directly or indirectly ) any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such financial institution Shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document or authentication feature that is or appears to be an identification document or authentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.
18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD OFFENSES Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both.
18 U.S. Code 1342- Fictitious name or address Whoever, for the purpose of conducting, promoting, or carrying on by means of the Postal Service, any scheme or device mentioned in section 1341 of this title or any other unlawful business, uses or assumes, or requests to be addressed by, any fictitious, false, or assumed title, name, or address or name other than his own proper name, or takes or receives from any post office or authorized depository of mail matter, any letter, postal card, package, or other mail matter addressed to any such fictitious, false, or assumed title, name, or address, or name other than his own proper name, shall be fined under this title or imprisoned not more than five years, or both.
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| 02/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX XXXX ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX.
In XX/XX/XXXX, I applied for a personal loan to get better terms on a title loan with outrageous terms and over 1000 % interest. I was mislead during the process with another business and just wanted a decent interest rate and a set term to repay the debt. I applied to One Main financial online. I was contacted by the XXXX office and told I was accepted for a loan. General terms were mentioned on the call but nothing could be provided or discussed without a sit down face to face meeting. I made appointment with XXXX, and met with her on XX/XX/XXXX, at the address in XXXXXXXX XXXX She provided the terms and optional coverages. She gave me a printed copy of the disclosures, Truth in Lending, Loan Terms, Arbitration Agreement, total 6 pages. A loan offer summary, same date and loan number. Loan proceeds disbursements authorization form, same date and loan number. A copy of application for loan with addendum to application, completed online, 4 pages. Truth in lending insurance disclosure, same date and loan number which was refused as optional. Statement regarding Debt Consolidation same date and loan number, ( statement only, not signed or numbered as part of loan documents ), 3 pages of documentation on sharing personal information between financial companies, what they share, and things you can limit. A copy of Credit Report generated by OneMain, giving me my score and general information. A information sheet describing DAILY SIMPLE INTEREST, how it works and how it is calculated. A information sheet describing OneMain Financial Customer Referral Program Terms and Conditions. 3 pages, Optional Product Choices, not signed, description of each product offered, ( refused all optional products ), ELECTRONIC Consent agreement, UNSIGNED.
ALL THE ABOVE NOTED DOCUMENTS ARE UPLOADED IN THIS COMPLAINT After signing documents, I was asked to wait while they initiated the payoff of my car, and initiated the cash advance to my bank account. Then XXXX came to say, I needed to contact my insurance company to reduce my deductible on my full coverage insurance to a lower deductible to finish the loan. This was not discussed and they had my insurance information prior to signing the loan documents. I was caught off guard and I simply called my insurance and made the requested change and added OneMain as a Lien holder as they required the car as collateral. This increased my premium on my insurance. Not something I anticipated or was informed about till after documents were signed. It was inconvenient and upsetting but I let it slide.
I made my first payment and each months payment well ahead of the monthly due date of the XXXX XXXX of every month. The following are the dates of all payments made on this loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX early payment ) All statements documents are also uploaded in this complaint.
I began to see the principal and interest figures did not appear to be correct. As normally a loan first payments will be higher interest and lower principal reduction. This slowly changes over time as a general rule. These figures did not follow that pattern. I questioned the local office in a phone call, and was not successful in getting any info, and referred to the main ONEMAIN Financial offices.
I contacted customer service and had a gentleman look over the documents, noting first that the truth in lending sheet states Amount financed is {$5000.00} APR 30.37 % for 48 months {$180.00} by XXXX of each month. SHOWING IN THE BOXES UNDER SECTION A. TRUTH IN LENDING DISCLOSURES.
However on Page 4 under INTEREST BEARING LOAN, states principal plus interest computed on the daily unpaid principal balance as set forth below THE CASH ADVANCE IS {$5100.00} the annual rate of interest is : 29.16 % on the unpaid principal balance Then a statement below this of how interest is computed applying a single equivalent daily rate under Texas Finance Code. This interest rate may not be the same as the APR. You figure the Finance Charge by applying the true daily earnings method as defined by the Texas Finance Code to the unpaid portion of the cash advance. You base the Finance Charge and Total of Payments as if I will make each payment on the day it is due. You will apply payments on the date they are received. This may result in a different Finance Charge or Total of Payments. My final payment may be larger or smaller than my regular payment.
This interest rate is the Contract Rate.
All payments will be applied in the following order. First comes other charges provided for in Agreement or allowed by law and late charges. Second comes interest accrued to the date the payment is received and applied by Lender. Third, any remainder goes to the unpaid Principal balance. If I pay early, more of the payment will go to the unpaid Principal balance. If I pay late or miss payments, more of the payment will go to interest. This will delay my Principal reduction and cost me more.
PRINCIPAL. principal is the total of the Amount Financed plus any Prepaid Finance Charges that I have financed. Principal does not include late charges or returned check charges. The amount of Principal is {$5100.00} The gentleman with OneMain reviewing the documents sees the irregularity and is also confused. I then ask him about the principal and interest variation and not being more in line with expectations on any loan reductions in interest charges accruing and in reduction of principal! No rhyme or reason to the fluctuation. He then begins to get frustrated with me insisting on getting an explanation and there is no resolution. A few days later I get a call from a senior manager who says he is calling to answer any questions and resolve my inquiries. He is very rude, dismissive and absolutely no help, as he insists this is all normal practice. The holidays come and Im dealing with many issues, including health related. I drop this issue and continue to make payments from my checking account direct to OneMain before my due date every month!
On XX/XX/XXXX, I remove a security freeze on my credit for a one week period to apply for credit Im interested in to get lower interest rates for other purposes. I come across a offer for a loan with ONEMAIN at a interest rate of 22 % to 28 %. So I apply just like any first time applicant would. Did not state anywhere on loan application of intended combining a current loan or amount of any credit line amount needed. I was contacted about 4 days later by a XXXX, from ONEMAIN from XXXX office. She says I was approved. Tells me it will pay off my current loan and then offered a large cash advance payment! I told her I was not asking to combine the loan and it was a application for credit as a stand alone! She seems confused and I ask if the manager is there. She is not and says they will call me back! Another couple of days, XXXX the branch manager tries to call and leaves a voicemail message to return the call. I return the call on XX/XX/XXXX. I originally get XXXX again and after conversation I ask for XXXX. After a few minutes XXXX and I go over the offer verbally.
These are notes from that conversation.
Says approved for Secured up to {$14000.00} 57 months interest 22.77 %. OR UNSECURED up to {$10000.00} 57 months interest 25.17 % Requires {$500.00} minimum cash advance to get loan.
XXXX then asks what my goal is, get unsecured, lowest interest rate, shortest term to get less than 30 % interest loan re financed!
Then offers this 36 months {$5200.00} loan payoff + {$500.00} cash advance, interest XXXX payment XXXX depending on optional coverage OR 24 months {$5200.00} loan payoff+ {$500.00} cash advance interest XXXX payments $ XXXX depending on optional coverage STATES NO ADMINISTRATIVE FEE AS IN XXXX XXXX
Im thinking I get title back, says should take approximately 30-45 days to receive from state mailed to me, can drop added insurance coverage they demanded after loan documents signed, its unsecured loan, would be slightly less interest for a shorter term 24 months, not 48.
End of conversation set appointment for XXXXXXXX XXXX XX/XX/XXXX same day! Get call from XXXX a hour later message to call her unknown reason!
Then after requesting a sit down appointment only option to see terms at XXXX XXXX her office, she calls back to say she misstated the interest rates. XX/XX/XXXX at XXXX XXXX I go in at XXXX XXXX to the office with my original loan documents and my notebook with details I took down during phone conversation and we enter a cubicle!
First she states what interest rates are for the unsecured option. In phone conversation of today the rates were XXXX secured up to {$14000.00}, 57 months 22.77 % pymts XXXX Unsecured {$10000.00}, 57 months 25.17 % interest pymts XXXX Then XXXX gets on phone , she is branch manager gives these figures Unsecured {$5200.00} 36 months interest XXXX pymt XXXX Unsecured {$5200.00} 24 months interest XXXX pymt XXXX Now Im in her office the rate is {$5200.00}, 24 months, interest XXXX payments XXXX no optional coverages selected!
I ask why the changes in interest rates, creditworthiness? She says less interest if you get optional coverages. Document says optional coverage has no effect on impact on loan decision.
All this discussion before we discuss loan documents.
XXXX Ask what product and terms Im interested in? Lowest interest rate shortest term unsecured so I get my title back since the only option is all Im offered to payoff old loan and take minimum of {$500.00} cash. Only option, will return {$500.00} cash as a payment against principal when received is my intention!
Has me choose options on a computer screen, such as term, 24 months, secured or unsecured, credit protection options. I choose minimum loan amount, 24 months, unsecured, no credit protection option. Did not sign or initial anything and no printed documents to review after 30 minutes. Then she asked for my bank account or debit card, why havent accepted the loan and havent looked at documents? Says its required to print the documents? Ok I gave my debit card, again stating it will be coming straight back as I have no need for {$500.00} cash! Next she arrives with intention of making me read from her computer monitor. I said Im elderly and XXXX and this is uncomfortable I prefer in writing on paper so I can comfortably read them. She argues that is their process to review loan documents! She is starting to get angry and frustrated and I notice she is shaking in her hands holding her paperwork. She informs me on two occasions we need to be professional, and that I am not obligated to continue at any time! I see the red flags clearly but stay respectful and ask for what I need to complete the review!
The first set of printed documents comes back in with her! The first page is a loan agreement and disclosure statement, including the section A TRUTH IN LENDING DISCLOSURE.
APR 29.36 % Finance charge XXXX. Amount financed {$5200.00} TOTAL OF PAYMENTS IF ALL PAYMENTS AS SCHEDULED {$7100.00} 1st payment XXXX due XX/XX/XXXX, then 23 payments {$290.00} monthly beginning XX/XX/XXXX.
Prepayment : if I pay off early I will not have to pay a penalty for prepaying all or part of a loans principal balance I WILL NOT get a refund or credit of part of the finance charge for a prepayment in full. I WILL NOT receive a refund or credit for a partial prepayment.
ITEMIZATION OF AMOUNT FINANCED Line 21 {$4700.00}. Paid to AMT PAID ON PRIOR ACCOUNT WITH LENDER XXXX ( not full account number, playing a game here, same account number for two loan documents dates, and terms completely different ) LINE 25 {$4700.00}. Total paid on prior accounts w lender Amounts paid to me Line 26 {$500.00} paid to XXXX XXXXXXXX XXXX Total amount financed {$5200.00} Prepaid finance charges {$0.00} The reverse side page 2 shows date of loan XX/XX/XXXX, date finance charge begins to accrue. Then provides terms and conditions very questionable in nature but general terms not specific to my loan with any notations indicated other than standard.
The 2nd document is titled Loan Offer summary! I notice both these documents although both dated XX/XX/XXXX, have my same loan number as I signed on XX/XX/XXXX. FISHY!
This document states my account number XXXX, dated XX/XX/XXXX my name and the following statement I have carefully reviewed the terms of this loan offer. I will obtain all changes in writing before I sign my loan documents.
THEY REFUSED ME A COPY OF THE DOCUMENTS TO BE PRINTED TO READ, INITIALLY, THEN REFUSED TO LET ME KEEP A COPY OF ANY DOCUMENTS I LOOKED OVER WHILE THERE! THE ONLY DOCUMENTS I WAS ALLOWED TO KEEP IS YOUR CREDIT SCORE AND PRICE YOU PAY FOR CREDIT, XXXX XXXXXXXX is not accurate! 2 Pages 2nd page illegible.
ONEMAIN NOTICE OF PERSONAL INFORMATION USE 2 pages 2nd page illegible.
DAILY SIMPLE INTEREST AN EXPLANATION 1 page Copies of monthly statements on original loan dated XX/XX/XXXX same loan number as this new loan paperwork.
XX/XX/XXXX loan date. Statement date XX/XX/XXXX. Monthly payment {$180.00} interest rate 29.16 %. Maturity date XX/XX/XXXX. Payment due date XX/XX/XXXX THIS STATEMENT IS THE FIRST GENERATED WITH DUE DATE XX/XX/XXXX showing loan balance of {$5100.00}.
Statement dated XX/XX/XXXX. Showing activity XX/XX/XXXX payment {$180.00}. Principal XXXX XXXX {$90.00}.
New loan balance {$5000.00} Statement dated XX/XX/XXXX. Activity XX/XX/XXXX payment XXXX. Principal {$61.00} Interest {$120.00} New loan balance {$4900.00} Statement dated XX/XX/XXXX. Activity XX/XX/XXXX. XXXX {$180.00}. Principal {$62.00} Interest {$120.00}. New loan balance {$4900.00} Statement dated XX/XX/XXXX Activity XX/XX/XXXX payment {$180.00}. Principal {$56.00} Interest {$120.00}. New loan balance {$4800.00} Statement dated XX/XX/XXXX. Activity XX/XX/XXXX Payment XXXX principal {$69.00}, interest {$110.00}, new loan balance {$4700.00} Made XX/XX/XXXX payment on XX/XX/XXXX, no statement to show principal, interest, new loan balance XXXX says prints on the XXXX of month. SO HOW DID YOU GET MY LOAN BALANCE FOR THE CONTRACT WE ARE LOOKING AT? She returns with a payment receipt showing my current loan number date XX/XX/XXXX payment {$180.00} principal {$71.00}. Interest {$110.00} new loan balance {$4700.00}. With * stating THIS IS NOT YOUR PAYOFF AMOUNT. Please contact us for full payoff.
The last document she allows me to take is a payoff statement, I did not request. Dated XX/XX/XXXX. With account number showing XXXX, note underneath says ( Please Include full 8- digit account number when forwarding payoff funds. The account number can be located on each monthly statement. ). This shows payoff good for XX/XX/XXXX only! Says {$4700.00}. Says per diem ( daily ) Interest {$3.00}. CONDITIONS BEGIN AND CONTINUE ON THE BACK SIDE OF PAGE 13 Items total, and 2nd separate page, CODES ABBREVIATED. BELOW. XXXX. B. ( Indicates INTEREST. XXXX L ( Indicates ADD 1 int due ). XXXX XXXX ( Indicates Payoff before Optional Refunds ). Then adjusted net XXXX. {$4700.00}. Requester XXXX XXXX XXXX. BY XXXX XXXX XXXX. Reason Why. General inquiry ( NO BECAUSE YOUR NOT GIVING ME CORRECT PAYOFF ON A NEW LOAN FIGURE, keeping same loan number from current loan and preying on my intelligence to entice me to sign new loan documents hoping I fall for it and dont question your unethical practices, while you break the law! PREADTORY LENDING, fraud, etc!
In closing please understand I have never been late on any payment with this company, since XXXX, paid early every month. Tried to ask questions about {$100.00} admin fee that was left off truth in lending disclosure, but Ive been paying interest on but not on 1st page truth in lending disclosure when I signed in XX/XX/XXXX. Then try to discuss issues with fluctuations in interest and principal with local office and main office headquarters, even with a account manager who called but no resolution just excuses and everything is normal, you signed documents! Now I apply for a XXXX % interest rate without mention of refinance by in good standing customer loan and get another lie, fraud, changing rates, changing terms, cant give me printed documents to read and refused to let me take them home! Cant provide a statement on payment of XX/XX/XXXX and incorrect payoff statement and fraudulent new loan balance starting figure. THIS IS ILLEGAL AND PREDATORY!
My solution I seek is wanting my loan paid in full and my title cleared and returned to me in my name only no lien holder.
I will speak to investigators at anytime, testify to facts and have other proof of my facts, including evidence not disclosed at this time, if needed. I will fully participate in any investigation to the fullest and hope that this issue can be addressed and halted as it is very dangerous and mentally and physically exhausting and damaging. Thank you in advance for your consideration and prompt attention to this matter.
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| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I want to file a complaint on One Main financial along with a lawsuit now. I have reached out to this company with good faith communication for over two years during Covid. I needed help with my financial problems when I lost my job due to the virus. They attempted to help me out with modifications to my loan, payment arrangements etc. I have not been able to come to an equal agreement with this company after all the things that Ive tried to dispute. They say no to everything even if its not my fault. The relief that they were offering in XXXX was for XXXX and XXXX payments not to be reported late.. so it was submitted with no info. After a year and a half I came across a situation that had nothing to do with me whatsoever, because I made 3 early payments online to 3 companies is all I knew that I was doing. So I made the payments on XX/XX/XXXX for my credit cards and One Main because I was gon na pay them off and down so that I could increase my credit score for XX/XX/XXXX. It ended up being a month later before I would find out those payments werent complete due to an issue that I still have no idea what happened. I just know that I didnt hear anything for one whole month. I heard from XXXX on XX/XX/XXXX via email. So when they told me the payment didnt go through I attempted to fix it. But because of this non-payment going through, another creditor decreased my credit limit and then One Main reported me late. My bank wrote a letter letting them know that they did authorize the payment and that they wouldve processed it if I had the money in the account ( which I did and they told them exactly how much money I had in my account ). They also said that they would not have stopped the payment so to this day I still dont know how its my fault that me, going online, making three payments to three separate companies, through apps that I use every time I make a payment, end up coming back like this. I reached out to try to dispute this with One Main because I made my payment and they can see an attempt of payment on XXXX XXXX ( which wouldve been me paying my monthly bill with them a little bit early.. ) instead of me doing that and getting a positive, it all backfired and I had a score drop of almost 100 points. So I reached out to let them know that I wanted to dispute it.. and when I did they went in and went back a whole year and a half updated my credit file to say that the relief months they were offering were late 30, 60 and 90 days! I reached out to the company to tell them that they need to adjust that because how do you go back and re-report something from a year and a half ago and it has a negative impact on me right now? I got a lot goin on like everyone does but Ive been in my home for seven years and I just found out a couple months ago that it is up for sale. I may not even have anywhere to live because Im not gon na be able to buy the house due to One Main constantly reporting me late and then being the only creditor that is reporting me late the whole pandemic. I only wanted to dispute the XX/XX/XXXX incident and I wasnt able to get any help. Now 7 months later and my payment was scheduled because they put me on auto pay to make sure Im not reported late anymore. I got an email receipt saying that my scheduled payment will be coming out on XX/XX/XXXX and then I heard nothing else so Im thinking Im fine for the month. I went out of town for a funeral XXXX XXXX because my cousin passed from XXXX on the XXXX. I came back on the XXXX late and so because they have not yet to this day updated my phone number ( which I am on recorded calls asking multiple times to update it ) so that I can be able to access the web and make payments online, I was not able to make a payment that night so I had to wait till the next morning when I could talk to a live representative to make the payment. I made a payment one day after it was due and I knew they were going to report me late. I just was wondering when and now its the middle of XXXX that they say Im 30 days late for something that happened 2 months ago. Why are they allowed to report this way? I thought they have to report accurately every 30 days? Thats not being done at all so if its not in 30 days then it should be that they missed their window of reporting to be fair! You arent reporting accurately every 30days if you are reporting stuff after 30 days. They shouldnt get to report what they want whenever they want. It should say no info because no info was reported in the 30 day mark! And the only reason the payment was late is because they said the card that I had on file with One Main expired so they did not take the payment. Oh but they didnt even notify me that the payment wasnt taken. If I had of had a friendly reminder of my card on file is about to expire, I wouldve had extra time to make the payment a different way so that it would not have been late. The same thing applies to the XXXX incident where I made a payment XX/XX/XXXX, I didnt hear from OneMain until XX/XX/XXXX. How?? And then XXXX reached out XX/XX/XXXX but why would it take one month to be notified of this? And why didnt I receive any notification from anyone at all about the payment not processing sooner so I could have made another payment or figured out what was going on? XXXX even told me to file the disputes because they said that it normally only takes no longer than eight business days to find out that a payment wasnt put through or a check bounced. So I heard nothing the whole time. Im sitting around waiting on a score increase and I hadnt seen anything. When I ended up finding out that the payment didnt go through it was already too late to make another payment.. but had I been notified before hand the payment would have been able to be processed again. Like I said I didnt talk to anybody for four weeks after making that attempted payment On XX/XX/XXXX. I wish that One Main would stop reporting me negatively because they are messing up any chance that I have on purchasing my home soon. I mean my lease is up XX/XX/XXXX and I have no clue whats going to happen to me because I woke up this morning and they are finally reporting that my account is 30 days late from 2 months ago. The last interaction I had was me calling in via phone and making a payment and the lady told me that the rep I made the payment with mixed up the numbers so my payment didnt process for XXXX cents.. ok so thats on them not me! However along with that it has been more than 30 days and so then they re-processed it and it still didnt go through taking even more time. And so they had to send it up to a higher level and finally put it through but theyre marking me late months later is not fair credit reporting. I told them that they should send a friendly reminder to their customers letting them know if a card on file is about to expire to prevent things from happening like this and she tells me that she told the higher-ups about it and that she thinks that is a good idea. I said well if you all think that is such a good idea and its something that you dont do and Im suggesting that will help make service better between customers and your company, then why dont you all excuse that missed payment due to the card being expired and me not having notice of it? Of course I cant even get that credit with them. And I should have simply because for one it would not have been late because it was on auto pay and for two, they said the card expired but there was money available so that would not have been a missed payment if the card hadn't expired. I got no phone call or communication about it because they told me already I wouldnt have heard anything because they dont tell their customers! That would have helped me greatly to prevent this. I know they wouldnt care and would say Its my responsibility and I knew that it would come back on me, but again most companies send out a friendly reminder if you are trusting them with your financials. I mean I trust you with my money in my account on a card I put on file its holding information thats vital to me.. And you want the payment every month on time so then the least you could do is let me know that the payment method is about to expire! I feel like thats a trap, I feel like they are setting customers up to keep having late payments. Im inconvenienced because When times flies and its late and I need to make a payment over the phone and they are closed guess what.. they still havent updated my information. I asked on multiple occasions to please change my number in the system because I have a new phone number and Im not able to access the verification code theyre sending to my old number. They will not update this information for some reason even when they say they did and I think that thats also a trap. I think that thats also setting me up to not be able to make on-time payments when I need to and its a distractionbut it wont work because Im onto them now. They are used to being a debt collector and not talking to customers as much as Ive talked to them because everyone dodges them.. but not me! I definitely told them 2 years ago they were breaking the laws of the CARES act! One Main is constantly reporting me late and they also still have me marked as late 30 60 and 90 days even after reps for the company have sent it to the higher ups to have this inaccuracy adjusted! So when they originally said that they were not going to report people late those months they are reporting me and Im sure plenty others. I want to start a lawsuit because i know Im not the only one being treated this way! I was in good standings with this company before the virus hit so when I called in for relief they said that my payment was due for XXXX so how about they just take care of my XXXX and XXXX and then I would be on track but that XXXX payment was not late yet so therefore it was no reason to treat my account like it was in negative standings. Per the CARES act it states that if you have an account with a creditor in good standings its to remain being reported in good standings throughout the course of the virus including an additional 120 or 180 days after the virus is declared over by the president. Now if your account is in a negative standing then you have to bring your account current with the creditor in order to continue to be reported current. I told them this two years ago that they were breaking the law of the CARES act and they said verbatim Im sure our lawyers know what they are talking about when it comes to the CARES act and we will not be removing any late payments So now Im ready to file a lawsuit against them period. Because theres no way that they should only offer just that two months of relief and then turn around a year and a half later and change the reporting from 1 and a possible to 4 late payments when I submitted a dispute. I didnt even ask them to touch or go back all those months! I mean honestly why keep kicking me when Im already down? And its on the report now still today different on all 3 and they wont adjust anything! A year and a half passes and you go back in the system and you change that information? That should be against some kind of law. No one asked them to update those months. I had specific dates and times in the dispute. So one of the workers I have been working with named XXXX XXXX who is phenomenal to me.. but she told me that they are not supposed to be reporting negatively for anybody in those months so she doesnt understand why my payments were marked late during those times. She has been in touch with their credit department for almost 2 months now trying to get them to remove the multiple late payments from that timeframe of their relief. They werent supposed to report it anyways.. but they did and now they wont remove it. So Im having a huge problem with them and I dont know what happened in XXXX with my payment that no one can give me an explanation about. I mean my bank doesnt have an explanation, One Main doesnt, so why does it fall on me? And I was on auto pay with them so my payments were scheduled so that means I would not have made a late payment, but the payment didnt come out due to the card being expired, so I feel like they should excuse that one due to the arrangements that were in place. I mean they cant just keep reporting me late and not helping me out here, its really messing up my life. Its nothing I can do about it and they are the only creditor that even through Covid Ive had problems with. Ive been in continuous contact with everyone there and Ive never dodged them, Ive never missed the phone calls, ive never acted like I wasnt trying to make any payments with them.. and by the way, even with no job or much income right now Im still making a way to pay them the entire pandemic. I mean its nothing else that I can do now so its out of my hands and Im here. Im ready to move forward legally against the company because 2 years is a long fight. I just feel like a lot of companies are letting consumers know that they are supporting them by acknowledging the CARES act. Really, people shouldnt be getting reported late right now during a time where we are having a serious hardship across the world. They cant make their payments, have lost their jobs and cant make payments in full or even attempt to make payments. Even If they were putting people on a payment arrangement they are to report me current if Im current is what I read ..theyre still reporting me late and theyre not supposed to be reporting me late if Im already in good standings with them. I have made an attempt to correct any wrongs with that company and its not like Im not trying to pay them back because they helped me when I really needed it. Most people get money from places like this and bail on them. Im not dodging One Main. I feel like Im doin my part and doing everything I can on my behalf to show goodwill and good faith communication. I get no credit for this and they are really stressing me out. I want this to be cleared up because I might need to buy my house soon and I dont know what Im gon na do but they have got to clear this account, clear those negative dates for good will reasons. I dont even think I had one payment with them that was late pre-Covid. Im pretty sure I didnt have any late payments before Covid came so therefore they shouldnt be punishing me during Covid like this. They are continuously making my credit score drop and Im actively working with them even through all the things thats their fault. Like inaccurate reporting, refusal to update my phone number, retracting reporting info a year and a half later for relief they offered, not sending friendly reminders etc. its really setting me back years of hard work of making on time payments to my creditors. I woke up this morning and had a 81 point drop but they cant fix my account or excuse me for a first time late payment to be waived and a good will letter isnt accepted by them. I dont know what Im gon na do but this is a huge problem and no matter what they say.. all they say is they have to report accurately. XXXX said they only know what the creditors tells them so they could have sent in no info but they just refuse to help me. So I came to ask can you all help me to clear these issues up with One Main? I have all on time payments for every last one of my creditors except ( XXXX because of what happened in XXXX ) but my credit report was good and no matter what I do I cant get ahead with One Main. This is really depressing and draining and it feels like a job with them. Im trying and trying and they will not help me. I deserve to be treated like the valuable customer they claim I am to them! I have to get this updated fast and I need them to adjust all their mistakes as soon as possible because reporting how and when they feel like it is causing me extreme setbacks. By the way this is not even half of the problems Ive had with them.. just the ones hindering me currently and my living situation in the next 3 months.
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| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1981 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX. IN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX- On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 07/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Servicemember |
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In XXXX of XXXX, I obtained a loan for the amount of {$4300.00} from Onemain Financial an interest rate of XXXX percent per day. Around XXXX of XXXX, I defaulted on a payment. They attempted to pull the payment twice from my bank account but it did not go through. Around the beginning of XX/XX/XXXX, they attempted to pull the payment twice from my bank account again and each time not only did they incur NSF bank fees from my bank, Onemain added two additional returned check fees for the same XXXX payment ( one was an attempted try and the other was a retry ) even though attempting a third and fourth bank charge after two consecutive failures.
These actions were a violation of CFPB regulation on Prohibited Payment Transfer Attempts and not only were these attempts unauthorized but Onemain added an additional XXXX dollars in return check fees that was added to my principal balance which racked up additional interest charges. It was only after the fourth and last attempt in the year of XXXX to charge my bank account did Onemain stop charging my bank account for any future payments for that year : https : //www.consumerfinance.gov/rules-policy/regulations/1041/interp-8/ # : ~ : text=When % 20the % 20prohibition % 20in % 20 % C2 % A7 % 201041.8 % 20 % 28b % 29 % 20applies % 2C, the % 20lender % 20seeks % 20to % 20initiate % 20further % 20payment % 20transfers ) 5.
I continued to struggle to make payments. The only relief or assistance to make those payments from Onemain Financial was to defer XX/XX/XXXX 's payment until XX/XX/XXXX 's due date with both XXXX and XXXX payments were due. This was not enough to assist me ( though this was due to my loss of income and would continue to be true with or without the deferral ) and help me get back on track and I did not make another payment until the end of XX/XX/XXXX. By this time, Onemain stated that I had a balance of about {$4200.00} and I continue to miss payments. It was almost 180 days of no payments before I reached out to Onemain Financial to settle the debt.
According to federal law, a close end loan company is supposed to send accounts that are 120 days past due to collections. Indeed, when I called Onemain financial closer to the 180 days of nonpayment, which was around XXXX of XXXX, I was informed that the account was in collections. The amount that is sent for collections must have the entire amount listed as overdue, including any interest charges : ( https : //www.fdic.gov/regulations/laws/rules/5000-1000.html ).
At the end of XX/XX/XXXX, I received my divorce settlement and proceeded to contact creditors so that I could pay off my debt. Around the beginning of XXXX of XXXX, I contacted Onemain Financial to arrange a payment settlement. We reached an agreement of about {$2500.00}. I was informed that the debt was about {$4000.00} which I reported around XXXX and/or XXXX of XXXX and was confirmed by some copies of statements provided by Onemain that listed the amount of about {$4200.00} ( about and/or the same amount that was listed as due since XXXX of XXXX with minimum if any change ).
I was informed that I would first have to bring the account out of collections and the amount I would have to pay would be about {$1200.00} and the rest of the settlement agreement that was again, settled for an agreed amount of about {$2500.00} would be made in six monthly payments. That payment was processed over the phone even though in a response to me made by Onemain Financial through the CFPB back in around XXXX of XXXX was that they had only spoken to me about my account about two times and the dates given that they spoke to me were about XXXX and XXXX of XXXX. However, my bank statement clearly shows a one time transaction by Onemain Financial on about the XXXX or XXXX of XXXX of XXXX and my emails prove that I did not sign up for an online account with Onemain Financial in XXXX until about XX/XX/XXXX.
Indeed, it was during this time that I set up a XXXX month time period to pull payments from my bank account. This is an important fact because later of about XXXX of XXXX, in a representation of a statement provided by Onemain, they informed me they were going to continue to remove payments from my bank account even though the six month time period I had approved was due to expire in XXXX of XXXX and even after I verbally told them NOT to remove any money from my bank account in about XX/XX/XXXX after their agent yelled at me after a dispute of the account, insisting that the amounts owed were due to late fees and I told her that until they provided me with all requested documents of the account, they could not take anymore money from my account. She responded by hanging up on me.
In about XXXX of XXXX, Onemain does admit through a CFPB response to me that I requested information on that date and that they did not send the requested documentation and explanations but was silent over the fact that I had told them not to take any more payments from my account. They did not send any paperwork to confirm my verbal notification to not pull any more money from my bank account and Onemain Financial continued to pull my money out of my bank account in the months of XXXX, XXXX, and XXXX of XXXX without my permission. They attempted twice to pull out payments from my account in XXXX of XXXX while for the month of XXXX they did not pull payments but instead sent me notification that they would continue to pull payments from my bank account even though they did not have written permission to pull from my bank account which should have ended in XXXX even if I had not told them to stop pulling money from my account in about XX/XX/XXXX. Yet, Onemain decided that they could and would pull unauthorized payments from my bank account and continue to pull money from my account in XXXX of XXXX after three failed attempts to pull money from my account ( twice in XXXX and once in XXXX of XXXX and this does not include the two attempted failures to pull money from my account back in XXXX of XXXX ). As the unauthorized attempts to pull money from my bank account continued, so did the returned check fees from Onemain ( which were added to my principle and accrued additional interest fees ) and the NSF charges from my bank.
The dispute over the account began after my principal balance had not come down. I believed at first that Onemain just needed some time to adjust the balance and that they would honor their payment settlement they established with me. I had trusted them to do the right thing and send me the paper work on the payment settlement and to adjust the balance according to the amounts I had paid to them. If the exact amount was
{$2500.00}, then the {$1200.00} should have brought down the balance to about {$1200.00}. Instead, the balance was at about {$3800.00} even though the balance given to me by Onemain Financial was about {$4000.00}. Even if a {$2500.00} payment settlement had not been made ( which it had been made ), my balance should have been about {$2900.00}, if the balance was indeed about {$4200.00} as reported on my credit report and likely as reported when it went to collections ( Onemain Financial refused to provide all documents they had on my account even after multiple requests but they still have not provided all the documents on my account ). For my balance to only have been brought down to about {$3800.00}, this would mean
that Onemain Financial considered my actual balance to be about {$5000.00}. This is almost or about a XXXX dollars more than the reported amount Onemain ( with all the additional interests that comes with such an amount ) stated I owed. None of my statements listed that I specifically owed that amount and the only possible way that it could have been that high had to be due to interests but Onemain consistently refused provide me with documents for the total amount of my balance. Instead, they provide a math calculation for interest and leave the consumer to work out the interest they may owe on their own. In fact, it took months for me to work it out due to having to guess which late fees they decided to add, with all the returned check fees they added to the principal. I spent more time attempting to figure out my balance with Onemain while prepping for a lawsuit from the debt buyer that Onemain sold the debt to as opposed to having time to search federal and state finance laws as a defense of that lawsuit.
Had Onemain been open and honest with me back in XXXX of XXXX, this debt would have been resolved because there was no way I wanted additional years of payments and high interest rates that came with that loan. Onemain should have been honest and provided the entire balance that I owed on the day that I called to make a settlement payment with them. If they were not willing to settle then they could have at least helped me bring my balance to where it should have been in XXXX of XXXX so that I would not continue to accrue high interest charges with about an additional year of payments that were not part of the original contract.
Had Onemain provided the information in XXXX of XXXX with at least an apology and legal and legitimate reason why they could not honor the {$2500.00} settlement agreement, then I would have paid the entire balance then when I had the money to pay the balance. Instead, I was yelled at and the agent hung up on me. Onemain chose not to send me the requested documents and they chose to take unauthorized payments from my accounts while charging me returned check fees from unauthorized payment attempts from my account. I lost that bank account ( though USAA does still provide me archive records of the account ) due to all the returned payments on that account, some that happened because Onemain decided they could make unauthorized charges to my bank account. Their continued actions against my bank account felt malicious and spiteful. None of this was in my best interests as a consumer.
Instead, it was in their best interests not to inform me of the entire balance I owed back in XXXX of XXXX when I first called them. It was in their best interests for me to continue to pay high interest fees on extended payments for almost a year and a half as if I had started the loan in XXXX of XXXX as opposed to XXXX of XXXX. Not only were their actions not in my best interest but their actions have caused grievous financial, emotional, and mental harm.
Onemain has had since XXXX to make things right on my account. I requested true and accurate records of my account and balance, specifically what I was charged in interest. These documents have still not been provided. I have fought with them to correct my credit reports. They did not do as such until XXXX of XXXX when they only removed the information they had against me. They did not go back and correct any amounts that was not due to them. They made no attempts to right the most severe incidents of harm they committed against me. Instead, after XXXX of XXXX, XXXX XXXX, Onemain Financial 's buyer of my account went forward with a lawsuit against me. Instead, Onemain gave a perception that I had simply went online to catch up payments and I had no questions about my account other than a payoff quote. Then I just apparently went delinquent sometime after asking for paperwork and statements of my interest and other charges on my account before they had to send it to collections. My documentation proves that I had been in contact with Onemain before they said I contacted them from the payment of about {$1200.00} that was made before I established an online account, as does their own representation of XX/XX/XXXX 's billing statement that stated I had only set up online payments for six months, as does my email confirmations of enrolling in online payments on or about XX/XX/XXXX. They seem to have also forgotten that most of their withdrawal of payments from my banking account was unauthorized. 5 I suffer from a Major Depressive Disorder and anxiety. It is part of my VA XXXX rating which is about XXXX percent of my rating for VA XXXX pay. Prior to the lawsuit that was based on wrong information provided by Onemain Financial to XXXX XXXX, I already had been engaged in a custody fight with my ex-husband which could determine if I become homeless or not. This in on top of the stress I have in completing my classes for college. The lawsuit drained me and triggered severe XXXX and migraines that left me in bed for two days. I missed my court hearing even though a judgement from a lawsuit could destroy my attempts to obtain housing should I lose possession of the home I reside. XXXX XXXX won the lawsuit upon default but had Onemain Financial addressed the issues with the account as they were mandated by federal law to address then my account never would have gone to XXXX XXXX and I would not be facing homelessness or needing treatment for increased suicidal ideations.
I did take out the loan with Onemain Financial. I did default on the loan with Onemain Financial. In XXXX, they did attempt to work with me to help me catch up on my payments ( even though they did make unauthorized charges to my bank account and added their own fees to the loan amount ). The default and serious delinquency on my account was and is entirely my fault. However, once I had the money to pay Onemain Financial, I did reach out to them and I did make good on my word to pay that initial payment of about {$1200.00} as proof that I was serious about paying off the debt. I did my best to make things right with Onemain Financial. I had trusted them to return the courtesy and help me settle the debt so I did not continue in a long term, high interest rate payment that dragged on for years. That was never my intent when I took out the loan. My intent had always been to pay off the loan once I obtained my divorce settlement.
What I did not expect was for Onemain Financial to take unauthorized payments from my account after they refused to send me requested documentation of my account which was after they reached a settlement agreement with me only to renege upon that agreement and behave as though that settlement agreement never happened ( even though according to their own representation of their billing statement of XX/XX/XXXX, they do inadvertently admit to the six month online payments I established in XXXX of XXXX ). I did not expect for them to yell at me or hang up on me. I did not expect them to handle the issue according only to their best interests even though they already knew I had trouble making payments on that loan.
Then they reported inaccurate statements on my credit reports that was allowed to remain for years even after I challenged them and only pulled them off after I complained to the CFPB. Then the lawsuit followed that was won against me - was only initiated based on the lack of correct information that Onemain refused to provide and I am left feeling powerless and insignificant because I do not have the resources or power that Onemain Financial has - especially the power to have a significant adverse effect on my life. Even though Onemain has been provided with years to make accurate updates to my account ( which would have brought the balance down closer to XXXX if not XXXX dollars ).
These behaviors are illegal, dishonest, and are nothing more than exploitation. It is long overdue for Onemain Financial to make this situation right.
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| 10/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
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Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX One Main Financial Corporate XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX To Whom It May Concern, I was the recipient of a title loan with One Main Financial dated XX/XX/XXXX. The collateral was my XXXX XXXX. It was repossessed on XX/XX/XXXX, and I take full responsibility for that and provided One Main with a cashiers check in the amount of XXXX $ on Monday, XX/XX/XXXX. I was given a blue sticky note and instructed to phone XXXX XXXX XXXX XXXX and give them the last XXXX digits of my VIN # to receive/recover my property. I did so and they gave me the name of the company, Texas XXXX XXXX XXXX XXXX, they hired/partner they fully vetted. I called them & took the first appointment available the next morning. On Tuesday, XX/XX/XXXX, I, XXXX XXXX, had an appointment to go pick up my vehicle at XXXX at Texas XXXX XXXX. Texas XXXX XXXX address is as follows- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX. I arrived and my key and drivers license was requested by the woman employee there. I gave her both. She went around the corner for a bit and came back and handed me back my license and told me to sign my name on her CELL phone. I asked what I was signing as it was a line on her CELL phone. She simply stated it was just so that she could bring my vehicle out of the locked gates. I took XXXX witnesses with me that were by my side the entire time. XXXX of them even said XXXX what is she signing?. She again stated that it was just authorizing her to be able to drive my property out of the gates to me. She said shed pull the car out of the gate in about 2 minutes. Upon her driving through the gate that opened and parking it just beyond, we all immediately noticed damage to the drivers side and the front of the car. Both front and back bumpers were unattached and hanging off. Upon walking around my vehicle, there was NOT ONE SIDE that hadnt been hit/damaged. Both front and back bumpers were coming off as well as the front being hit by another vehicle or something like. The front was hit in three different places. The front of the car grill area and drivers side panel and left side panel and hood had been hit. One of the rims was deeply scratched. The underside of the drivers side door is all deeply scratched. The front panel on the passengers side above the tire is bent. There is a panel that covers the underside of vehicle, it is GONE. The drivers door is scratched as well as both doors on the passenger side. The back of the car has been hit and trunk all scratched up. The drivers side window now whistles and doesn't fully seal. We took photos of everything before moving the car an inch. The lady appeared very nervous ( she was the only one there ) said shed get me a damage form to fill out and I did. She made a copy and gave it to me. She said that the manager, XXXX, would be calling me that day, ASAP. I have NEVER ONCE heard a word from him or anyone representing Texas Collateral Adjusters even after sending many email and making phone calls. We also noticed that their vehicles they use to drive around and search for cars have illegal expired paper license plates and took photos. They use XXXX XXXX XXXX program to detect license plates with cameras mounted on all XXXX corners of the roof of the car. We've done some research about this particular company and they have a long history of forfeiting their right to do business in the State of Texas for lack of paying tax and then paying and being reinstated. XXXX XXXX from XXXX tried to tell me that I gave information from the State of Texas for the wrong company and that this wasnt true. It certainly is true and it is the Secretary of the State of Texass information on TCA, LLC. This company that XXXX XXXX XXXX hires/partners with, according to ARSs website is fully vetted by them and go so far as to say that they even go out and inspect each partners premises as well as state licensing and insurance. TCA, LLC is running an illegal Vehicle Storage Facility and this case is currently sitting in a prosecutors office in Texas. It would be interesting to find out if they shut down their operation during any of these times of " Forfeited Existence ''. They have many complaints filed, even one from a dealer. TCA, LLC has an F rating with the BBB with ALL of the complaints unanswered. I drove my damaged vehicle directly over to XXXX XXXX of XXXX and left it overnight to get an estimate on the repairs. They said unfortunately, they see this type of damage from careless tow truck operators often. I came and picked it up the next day. To address and repair my car to its state before it fell in the hands of XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is XXXX $ and that does not include a bent control arm that I discovered because the vehicle now has a loud clanking sound coming from the front drivers area or for the cracked windshield that is now a like about XXXX feet long. The mechanic mentioned that often careless/unskilled tow truck operators will just strap to control arms or pull from wherever they want to. My next concern is that I opened the glovebox to get some of my personal items out and the entire glovebox compartment had been rummaged through, even separating the back cover away from the glove box ( this takes a bit of force ). Of course, I have personal property that is gone. These items are {$3200.00} $ w/o tax to replace. After not hearing from anyone for a week, I called XXXX XXXX, in the repossession department at One Main Financial. He sounded shocked & sincere in his apologies that this damage and theft had occurred. He said he would go up the chain at One Main and get my situation addressed. At the end of week two of dealing with this, I was contacted by XXXX XXXX, from the Executive Office of Customer Care at One Main Financial. She took the information I provided & said that I would be receiving a call from someone at XXXX XXXX XXXX, very soon, if not already. XXXX XXXX, Senior Vice President of Professional Standards for XXXX, contacted me. He requested several items from me and my statement. I provided all items to him and he was to get in touch with Texas Collateral Adjusters ( TAC, LLC ). Third week rolls around. After several status requests from XXXX, I was told yesterday, Wednesday, XX/XX/XXXX, that of course, XXXX denies any/all damages to my vehicle and are not paying anything. However, they are offering for me to take my car to their peoples ' body shop to get an after-market rear bumper put on. They stated to XXXX, that they HANDED me all my personal property. She did not hand me ANYTHING but my drivers license back and HER CELL phone to initial BEFORE my property could be brought out ( keep this information in mind ). This is the information I am told after XXXX weeks. TCA sure did return calls from XXXX. I was also told by my mechanic that the vehicle is not safe XXXX XXXX with the bent control arm. So here it is, Christmas/Holiday season and we are basically without a safe vehicle to even drive. They ziptied my front headlight as best they could to make it stable and TAPED both bumpers on. Not only is TCA, LLC not taking responsibility, XXXX XXXX XXXX will not take responsibility either. Essentially, they are taking the word of this unethical, criminal and reckless company. They are standing behind XXXX because they hired and vetted them. XXXX website goes into detail of how responsible their partners are and promise their clients that these repossessions will be handled with the utmost respect and caution. What I haven't mentioned yet is the FACT that TCA, LLC forged documents to appear as though I signed off on the following forms- FORMS ALL STATING THAT THERE IS NO DAMAGE TO MY PROPERTY, THAT ALL MY PERSONAL PROPERTY HAS BEEN GIVEN BACK AND THAT YOU HAD PERSONALLY INSPECTED YOUR PROPERTY & SIGNED OFF ON IT AS OK. I received an email with these forms all attached after I retrieved my vehicle. Now remember that she stated I had to sign her phone on a line with no print, for her to be able to bring my car out of the gate. Im assuming this is what they are forging though whatever the scratch is on these forms as my signature, is not my signature nor my initials. The handwriting of what they are saying is my name is the EXACT same handwriting as the signature of whoever signed as their agent. There are NO photos of my vehicle upon intake and NO form of ANY damages listed. I supplied them with a list of damage by filling out that form I was given. It wouldnt surprise me at all if some type of form comes up with the damage I listed. I fully believe they knew EXACTLY how bad they damaged my car and have tried to cover it up. There are NO photos of my car upon intake when I requested them ( and the form says there is ) and the vehicle report they attached is NOT even my vehicle! It's a NOT DAMAGED white jeep. This was now over XXXX MONTHS later and HOURS, DAYS AND MONTHS of my time. I have been violated, its been implied that I am a liar, that Im trying to commit fraud and I am completely disgusted. This should never happen to any consumer. Anywhere, under any circumstance. I had a contract with One Main Financial that was met in full on XX/XX/XXXX. One Main enlists/hires, XXXX XXXX XXXX and has a contract to carry out business on their behalf, free from damaging property. XXXX makes several public statements including, visit and review their partner companies office and storage locations ( XXXX 's ), regularly audit contracts. XXXX 's, licensing, insurance and bonds. XXXX also states that it provides their clients, like One Main, with reputable, compliance-oriented, top quality work. I am not taking TCA 's offer to put a back bumper on my car. I don't want them anywhere near my car. I am asking that all parties get together and do the right thing. I have spent months of my time dealing with this travesty of justice. I have photos of everything. I have a clean vehicle report with no accidents on my vehicle. It was suggested by XXXX XXXX at XXXX, that I caused the damage by accidents. Completely offensive. I have given the estimate from XXXX XXXX to repair the damage caused at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX well as the amount to replace my personal property. I should be able to choose where I want my vehicle repaired, which is XXXX XXXX of XXXX. They have impeccable customer service and wonderful reviews for body damage repairs. I have two witness statements from the gentlemen friends that I took with me. I believe it's not that difficult to see who is not telling the truth but I am completely willing to take a polygraph. This damage and loss is a direct result of my property falling into the hands of TCA, XXXX. I have provided every item of proof necessary and Im completely insulted, disgusted and the amount of emotional distress this has caused me is not measurable. Back in XXXX, I filed a police report with the city of XXXX XXXX, Texas, where XXXX XXXX is located just outside of XXXX, TX. I have just recently sent all the forged documents and want XXXX and any other parties held accountable criminally for forgery, fraud, deceptive business practices & Securing Execution of Document By Deception. It is immediately apparent to the eye that the documents they are trying to use against me have been CREATED & forged. Ive also talked to the police department and its completely possible that wire fraud was committed as well for emailing these forged documents to not only myself but I am sure to XXXX XXXX XXXX as well. There is no denying that XXXX hired XXXX, XXXX.
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| 06/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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XX/XX/XXXX XXXX XXXX XXXX, XXXX & XXXX OneMain Holdings , Inc. for OneMain Financial Services wholly owned by XXXX XXXX XXXX XXXX XXXX, IN XXXX PH : ( XXXX ) XXXX XXXX : OneMain Financial Services Loan Number XXXX XXXX XXXX, Borrower XXXX XXXX XXXX XXXX, Texas XXXX PH : ( XXXX ) XXXX Dear Mr. XXXX, I need your assistance to understand the financing as well as what monies I ultimately still owe to OneMain Financial Services, formerly Springleaf Financial Services of Texas , Inc. The loan originated in XX/XX/XXXX by Springleaf Financial Services , Inc, which OneMain Financial Services [ OneMain ] subsequen
tly purchased. I sought assistance from Springleaf Financial Services, which at that time I was unaware were seen as a primarily sub prime lender. I wanted to consolidate some debt due to an upcoming event that I was
aware of. I was not in such a position where I required a sub prime lender whom needed collateral etc. ; please take no offense to that statement. I understand that this failure rests with me, but the calculations do not.
Unfortunately, my took my vehicle being stolen, which OneMain has a lien against, for me to take a look at this loan. As you are aware if my insurance company accepts the loss, they will pay OneMains lien first before I
receive a penny of the equity in my car. To my dismay, there are issues with the loan that must be addressed to ensure that I have not been overcharged, mislead, etc on this entire agreement that is held between OneMain and me at this time.
My concern is the current amount due on the loan is inaccurate and there are numerous reasons for this that I will do my best to explain to you. This letter is a request to provide a detailed analysis of this loan from XX/XX/XXXX, including the marketing sent to me, to where I stand today. I will do my best and hopefully a brief description as well of why this is.
In an effect to consolidate my debt, I unknowingly accepted a PRECOMPUTED loan from Springleaf Financial Services located in XXXX, Texas on XX/XX/XXXX for {$16000.00} for a term of 48 months with a monthly payment of approximately {$430.00}. For a visualization of the closing, something that I have never experience before, I was given a tablet to initial every page of the loan. I was not provided with the loan documents and walked through each page which is normally what lending institutions do. I was told I had to put my car up for collateral or I would not get the loan. I can not discuss the interest rate that I obviously did not see as it is just frankly too embarrassing coupled with the other factors that I continued to move forward with the loan, but I did due to some inner desperate anxiety I was experiencing at the time.
I did not know any specifics of the loan outside that I would receive checks to send to the credit cards that would be paid off. During this period, I checked all three credit bureau reports and to my utter dismay, OneMain had reported a loan for {$22000.00}, which actually lowered my credit score which had been better but was holding around XXXX at that time. I say this because I purchased my home in XXXX with a XXXX XXXX of XXXX. I immediately contacted the XXXX, Tx XXXX where I obtained the loan and was told that was because it was a precomputed loan, which I had never, heard of, which placed all the interest in the loan before it accrued. I was mortified. They said that is how all of their loans were done and there was nothing that could be done and it was not a big deal. To me it was HUGE however, but there was nothing I could do.
In XX/XX/XXXX, I became aware of additional life issues that could affect me financially ; hence, I contacted the XXXX office to ask them for some assistance, such as reducing my payment. To attempt to do this, I had to be approved, which I was, but only for 1 month. If I needed additional time, I would have to call them again and request such. Which I did. During XXXX of these conversations, I was informed that XXXX had been purchased by XXXX. In the discussion, we somehow discussed what type of loans were now offered, which a precomputed loan was no longer a product offered by XXXX, and that there was some legislation surrounding it. I believe inadvertently, the representative informed me that some of the loans had been converted to simple interest loans. Of course I took this opportunity to request being grandfathered into that as well. However, I was not so lucky. I was told that the only way I could do this was reapply for a new loan, which I did not want to do. I could not understand how they could do some but not all the loans that were purchased, but again my hands were tied.
My luck was not improving, which meant that I was contacting them on a monthly basis to ask for this temporary 1 month modification. I finally took a leap of faith and asked if there was anyway we could get around this monthly modification product as it was very stressful. I was informed that the only way to be approved for a permanent modification was to make a new application. This is not something I wanted to do as I did not want to extend the loan, but I asked if this would he the opportunity that I had been waiting for to turn my loan into a simple interest loan. I was told it was not, yet the correspondence that I received from XXXX stated something that it did, but monthly it would revert back which seemed mighty ridiculous but again my hands were tied. I participated in this monthly program until XXXX of XXXX upon which I was congratulated and informed that I was approved for the permanent modification.
This is where it gets extraordinarily confusing and not transparent what so ever. I have included all this correspondence. As of today, I have an approval letter with no balance of what AMOUNT WAS BEING REFINANCED. This final letter does lead off with a modest reduction in the interest rate but this is still too embarrassing to discuss, then the new monthly payment, and JUST TODAY I discovered in very small print that the loan was extended out for XXXX ADDITIONAL MONTHS. Prior to this letter in XXXX, XXXX, XXXX, and XXXX of XXXX, I received letters of the monthly modification, but only the first XXXX in XXXX mentioned any unpaid balance that was being worked with, which was stated to be {$10000.00}. During this trial period stated in the first letters, I also discovered that the loan was to convert to a simple interest bearing loan.
I did not take notice to these issues until now because common sense told me that the long would be a little longer and given my prior experience with that office, I left it at that. Today I am a victim of auto theft and I can not be passive about any concerns that I have.
I performed several amortization tables and other analysis to make sense of my concerns but they only became worse and additional issues screamed at me. I can not come up with any rational explanation of what amount was started with nor how the loan computed interest, even using the first, highest interest rate. Regarding the term, I know I did not agree to an additional 60 months ; however, even if you use that as well as the approximate {$10000.00}, the loan is paid off months earlier than the XXXX that is proposed. There were some other oddities that I discovered, but I am certain just the above would cause you to pause or I sure hope it will.
My concern now lies in EVERYTHING ABOUT THE LOAN, THEN ITS MODIFICATION, SPECIFICALLY HOW WAS EVERYTHING AND ANYTHING COMPUTED? This analysis will provide the standing on what additional monies, if any, are owed to OneMain. This is an URGENT MATTER for the result impacts the conclusion of this theft.
Please understand that I am not asking for a pay off amount but that will be forthcoming so it may as well be provided in addition to the other analyses, if such exists and how, of course, the number was calculated.
I did perform some research on just the definition of precomputed loans and when they are used. I found over and over that it is for individuals that did not want to use their XXXX XXXX and had a title to put up as collateral. XXXX was well aware of my XXXX XXXX and my desure not to put up my vehicle as I had never been asked to do anything of this sort prior in any circumstance. To make a bad situation more sinister, I was informed that the title to the vehicle can and should be returned to the borrower after 90 days. I never requested this, in fact, XXXX has the title to my vehicle in their possession.
Please do not hesitate to contact me at the above number if you have any questions of any sort. Thank you again in advance for taking this matter seriously.
XXXX regards, XXXX XXXX XXXX : XXXX. XXXX XXXX letter to request a loan with Springleaf XXXX. XXXX XXXX loan XXXX dated XX/XX/XXXX XXXX. Modification letters from XX/XX/XXXX to XX/XX/XXXX As stated I do not have a copy of the agreement concerning the modification of this loan, nor have I ever seen any.
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| 09/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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HOW I GOT INVOLVED WITH THIS COMPANY In XXXX of XXXX ( XX/XX/XXXX ) I received in the mail offers for unsecured quick closing, money in account within ( 48 ) hours, from One Main Financials. " CONSOLIDATION LOANS '' I didn't respond because I thought it was a scam. I was speaking with a credit union personnel at XXXX in XXXX, who also referred me to this same company ( One Main ) that I had received the mailing advertisement from.
So I went online to look then up and several other companies came up, also came up was another company that stated, fill out one form and we will ( THEY ) COMPARE SEVERAL LENDERS AND FIND THE BEST ONE } for my needs of consolidation.
They suggested " ONE MAIN FINANCIAL ) same as the credit union.
I applied and was approved, but was told I had to pay off my car loan on my car as well, they however they did not ask that the credit cards be paid off even though the loan was to pay off the high interest rate cards ; only the car loan was required to be paid off before I could close on the loan. I explained that the car loan is only 5.1/2 % compared to their interest rate which would be between 12 to 16 % for the {$7000.00} I was requesting, and that it would not make sense for me to do that. At no time was I ever advised that my car would be used as collateral. ( Now I understand their instance ( demand ) of my paying off my Credit Union Car Loan.
They wanted to use my car as " XXXX " without telling me. ( " XXXX of Me '' ) I however had a unit that we had up for rent on craigslist and someone was interested in renting by XX/XX/XXXX.
At the time we were still waiting on the adjuster and insurance company to pay us to repair the unit damages that were caused by water intrusion into the unit.
I told my daughter that I would go ahead and take the loan, pay to fix the damages in the unit so that the tenant can move in in XXXX ( keep all receipts ) and I would hold off paying off the 'CREDIT CARDS '' and when the insurance company paid for the damages, she can refund me the funds to pay off the credit cards.
The adjuster XXXX wanted to bring his lawyer friend involved in the insurance claim, ( so that both could clean up off the claim, this is XXXX ) which my daughter did not want do. XXXX refused to release the claim so that another adjuster could take over, so the claim still have not been resolved and I am stuck with both my credit cards and " ONE MAIN FINANCIAL LOAN PAYMENTS '' Another surprise from " ONE MAIN FINANCIAL GROUP, LLC '' At the closing my loan amount was higher than expected, when I went through the loan line by line the following items were attached to my loan amount without my knowledge ; Making my monthly payments {$480.00}, then {$410.00} after that, more than what my car payments were at XXXX. The added items that were never discussed with me were : ( 1 ) Single Disability Premium of {$710.00} ( Still don't know what that for ). ( # 2 ) IUI??? {$390.00} ( ( # 3 ) MV Certificate of Title fee of {$74.00} and ( # 4 ) Documentary Stamp Tax of {$51.00} adding a total of {$1200.00} to the loan all without my knowledge. I had asked them to remove it before signing the documents on the computer in their office, but never received a revised copy, or a check for the {$1200.00} which I had requested when I refused these charges. I still am not sure it was ever removed from the total loan amount or if I am still paying interest on that as well.
After I went back to school and was not making the {$2400.00} per month at the law firm I was working at the time that I took the loan from ONE MAIN FINANCIAL, and the {$380.00} monthly payment had started to become an issue, the loan officer stated that I could modify the loan for a lower payment, which I did, on from {$380.00} to $ 252.+ change. I never received any new additional loan documents with the new interest rate or new loan payments, just a one sheet paper with the amount to be paid.
They had me made two payments of the new amount plus my normal monthly payment, which I did not understand at the time but did because they kept calling stating that my payment will be late, even though I had already made two payments including the month they were asking me to pay.
When the COVID-19 Pandemic I was advised that they were modifying loans to lower the payments for their customers due to COVID-19. The process started first week of XXXX, XXXX. I kept calling asking what amount should I pay and was told it not approved as yet, I have to wait, so I waited. On XX/XX/XXXX I was called and advised that the modification was approved, I must come and sign and make the payment. I did, so on XX/XX/XXXX I went to the XXXX office in XXXX to signed the paper with the new amount and to make the payment. I ASKED HER WHY THERE WERE HARDLY ANY DIFFERENCE FROM THE PREVIOUS AMOUNT OF {$250.00} PLUS CHANGE, AS THE NEW PAYMENT IS NOW {$190.00}, SHE STATED THAT WAS WHAT WAS APPROVED AND A PAYMENT MUST BE MADE TODAY, SO I SIGNED AND MADE THE PAYMENT OF {$190.00} ( SEE DOCUMENT ENCLOSED The paper I was asked to sign when I made the payment stated that I need to make my payment by XX/XX/XXXX again, and that this is a permanent modification. The paper I signed also had written on it trial payment required, which I assumed it to be like any other loan modification trial period to ensure that we make the required payment amount by the required time and date.
This turned out not to be so with ONE MAIN FINANCIALS LLC.
By the General manager, own admission MrXXXX XXXX XXXX XXXX XX/XX/XXXX in the XXXX Office, with whom I met with ( After numerous emails and phone calls both to the local and to the executive office ) stated that I am required to make two payments for XXXX, one for the 2nd and one for the XXXX of XX/XX/XXXX.
He also stated that I have no choice in the matter, he can remove the late fees being charged but I am required to pay it or pay off the loan, or get reported to credit bureau as being late on my payments I offered him the keys to my car ( by his tone in speaking with me ) and because as I have been explaining to everyone at One Main Financial that this COLLECTING UP- FRONT AND ALSO ON THE BANK END IS ILLEGAL.
They claimed that XXXX was not paid, which was when the modification had started. At no time when I called about the modification been completed in XXXX was I advised that I needed to make a payment. Secondly the XXXX payment have been deferred based on the conversation I had with XXXX XXXX and all statements since XX/XX/XXXX. Which reads as follows : " YOU WILL BE REQUIRED TO PAY {$210.00} IN FORBORENE PRINCIPAL AND /OR INTEREST ON XXXX XX/XX/XXXX. Please see your loan modification for detail.
I have been " DISPUTING THIS DOUBLE CHARGES SINCE XX/XX/XXXX UNSUCCESSFULLY AND AM REQUESTING A FULL INVESTIGATION BY THE CFPB INTO ONE MAIN FINANCIALS PRACTICES OF KEEP ASKING IT'S CUSTOMER TO MODIFY THEIR LOANS THEN KEEP CHARGING ONE EXTRA MONTH PAYMENT ON EACH MODIFICATION, PLUS STARTING OVER THE PAYMENTS AND TAKING ALMOST 90 % OF EACH PAYMENT EACH TIME FOR THEIR INTEREST.
I THINK IT'S VERY SIMILAR TO PREDATORY LENDING IF NOT SO.
I HAVE BEEN PAYING ON A {>= $1,000,000} LOAN SINCE XX/XX/XXXX AND HE GAVE ME THE PAY OFF AMOUNT OF {$11.00}, XXXX SHOWING THAT SINCE XXXX TO XX/XX/XXXX THE LOAN AMOUNT HAVE ONLY BEING REDUCED BY {$1100.00}.
IF THE CFPB DOES NOT FIND THIS ALARMING, THEN SOME THING IS VERY WRONG. CONSUMERS ARE NOT BEEN TOLD UP FRONT THE TRUTH IN THE LENDING PROCESS AND ARE BEING TOTALLY MISGUIDED AND FRANKLEY BEING RIPPED OFF, BECOMING SLAVES TO THIS LENDING INSTITUTION.
THE PUBLIC SHOULD BE MADE AWARE ON YOUR WEBSITE.
THIS IS ALSO UNETHICAL, ESPECIALLY WHEN IT IS BROUGHT TO THEIR ATTENTION, AND INSTEAD OF MAKE THE PROPER CORRECTION, THEY ARE TELLING ME I HAVE NO CHOICE BUT TO PAY IT AND I WILL CONTINUE TO BE CHARGE LATE FEES UNTIL I MAKE THAT EXTRA PAYMENT OR PAY OFF THE LOAN. AS I TOLD MR. XXXX HE CAN HAVE THE KEY TO CAR, I WILL BE HAPPY TO TAKE THE BUS, THEN BE RIPPED OFF.
PLEASE START A FULL INVESTIGATION, AND PLEASE DO NOT PUT POLITICS OVER THE PROTECTION FROM THIS ABUSIVE FINANCIAL PRACTICES BEING DONE TO INNOCENT CONSUMERS WHO ARE MADE TO BELIEVE THAT THEY ARE DEALING WITH A FIDUCIARY FINANCIAL INSTITUTION.NOT SO IT SHOULD BE A WIN/WIN RELATIONSHIP, INSTEAD IT'S ALL ABOUT HOW MUCH INTEREST THEY CAN TAKE FROM EACH BORROWERS.
THANK YOU FOR YOUR ASSISTANCE.
Please do not put politics before the consumers who can not make large contributions to political parties in control.
I am aware of their financial contributions to their political party.
Please help stop this abusive lending practices to innocent consumers Thank you.
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| 11/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I applied for and obtained what I thought was credit from XXXX XXXX. I later found out that they can not lend me money. I also found out them asking me to pay back the fake loan is illegal along with all the finance charges they have been charging me since the inception of the loan a little over 300 per month. They are currently trying to collect on a debt I do not owe. I was also charged in a tender of payment that is no longer legal. This entire process was fraudulent. In addition, they have no business purpose filing in the ga sos. Please see attached documents.
More Context : I applied for a loan on XX/XX/2021 I later found out this was not a loan and corporations can not lend me money. I have paid monthly payments since XX/XX/2021 until present.
One Main does not have disclosure notices on its website for the state of Georgia. I was not aware of any of my rights in regards to be extending credit, being able to cancel my loan, or making payments.
More Context : In context, I applied for a consumer credit product for a personal loan of 6500 with the understanding that I was responsible for the debt based on a loan given from your company One Main Financial. The amount of that loan which included the sale prices and finance charges was {$50000.00}. This, according to your company, did not include insurance and included all necessary finance charges. Debts, loans, non- all-inclusive finance charges, are all illegal pursuant to 15 U.S.C 1605.
Having had this car in my possession for 8 months, I also was not aware that I was not responsible for paying monthly car payments as a debtor in the amount of 340.00 monthly for 6 months and recently missing XXXX payments. I purposefully missed the $ which I will explain shortly why it was omitted. The total amount of payments so far is 2040. Ttendering payments in any other form other than gold is illegal. Also, accepting ACH is illegal. Charging me monthly fees with the expectation of payment is illegal and taking adverse action against me through verbal or written threats, and any other intimidation methods is illegal.
My debt was already paid for when the United States Congress extinguished it, gold and silver is the only tenders of payments. 31 U.S. Code 3123. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government. Furthermore, the symbol or character, " $ '', is not defined anywhere in legislation and is, therefore, a violation of 15 USC 1692e ( 2 ) ( A ).
I read all of their privacy policies and it says they gather information from third-party sources to make determinations about me, my credit determination, and my account along with sharing my information personally identifiable and anything else you deem fit to them. I found out not only is that illegal but it's violating my rights Pursuant to 18 U.S. Code 1028A - Aggravated identity theft.
Collusion is present when you created your family of companies, as all addressees are subsidiaries or sister-related companies per SEC and XXXX filings, while separate in name and operation, your officers serve on the boards and have signing powers within each company.
The use of consumer disclosures not direct to the person being considered is illegal. You did not ask someone who knew me personally about my spending habits and as a result, you charged me higher interest rates and that is illegal.
All of the above are examples of fraud, false misrepresentation, conversion, RICO, breach of contract, and collusion is pursuant to 18 U.S. Code 1341 - Frauds and swindles is the appropriate statute.
Your combined organizations within RICO alone fit under these auspices : The RICO civil provisions contain five basic elements : injury, person, enterprise, pattern of racketeering activity, and interstate or foreign commerce and at least the ones mention in the previous paragraph fit under their 2 of 35 law.
Notice, it is a Fact, that, The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
Notice, it is a Fact, that, Deceptive forms [ 15 USC 1692j ] ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Notice, it is a Fact, that, False and misleading representations [ 15 USC 1692e ] ( Exhibit M ) ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
Notice, it is a Fact, that, Fictitious Obligations [ 18 USC 514 ] : ( 3 ) utilizes interstate or foreign commerce, including the use of the mails or wire, radio, or other electronic communication, to transmit, transport, ship, move, transfer, or attempts or causes the same, to, from, or through the United States.
Any false or fictitious instrument, document, or other item appearing, representing, purporting, or contriving through scheme or artifice, to be an actual security or other financial instrument issued under the authority of the United States, a foreign government, a State or other political subdivision of the United States, or an organization, shall be guilty of a class B felony.
Notice, it is a Fact, that, this transaction is definitely a violation of Unfair or deceptive acts or practices in or affecting commerce for not disclosing to me my right to rescind with proper notices, finance charges detailed in full and that you did not loan me money nor credit. [ 15 USC 45 ] Definition : Fraud in the inducement occurs when a person tricks another person into signing an agreement to one 's disadvantage by using fraudulent statements and representations. Because fraud negates the meeting of the minds required of a contract, the injured party can seek damages or terminate the contract.
Notice, it is a Fact, that, pursuant 18 U.S. Code 1028A - Aggravated identity theft : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
In contracts, in order for a contract to have accord and satisfaction there must be offer and acceptance, along with a meeting of the minds. I am the only one who signed this agreement, and you also made a lot of money off of this instrument. This agreement was paid in full with my signature and you never explained that to me. I have every intent to sue and request your GAAP on this account via a forensic audit. I did not agree to cosign and allow you to monetize nor securitize my note. That is illegal pursuant to 16 CFR 444.3 - Unfair or deceptive cosigner practices.
15 USC 1602 ( f ) : Notice, it is a fact, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor One Main Financial et al to defer payment of the debt or to One Main Financial to incur debt or a loan from the US Treasury and defer its payment.
This makes One Main Financial a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction.
I, a consumer, came to extend credit as shown ) and not receive a loan from the One Main Financial and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by One Main Financial.
I am attaching the cover sheet for the Civil Lawsuit that is prepared to be submitted.
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| 10/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Was approved for a loan, but didn't receive money
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Web |
Servicemember |
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On XX/XX/2020, I, XXXX XXXX was approved for a secured loan from One Main Financial. I submitted all the required documents in addition to signing the Limited Power of Attorney for Eligible Motor Vehicle Transactions. Authorization for Payoff of Motor Vehicle, Application for Texas Title and or Registration. And I changed my car insurance lien holder to One Main Financial per One Main Financial instructions. My proof of income, residency, identification, car insurance was verified and accepted by One Main 's supervisor.Additionally- My file was sent to the underwriter and the underwriter approved the my final loan file/documents. I was then informed by the handling agent Ms XXXX at One Main Financial in XXXX, Texas that all I had to do next was to sign my loan documents on the computer & then I would be provided a check for my loan. However, when I went to finalize the loan with my signature on the computer. The computer showed two different loans under my name which prompted me to choose the loan offer that I desired. I was unaware that I had 2 different loan options from One Main. I was only informed of 1 loan by Ms XXXX. I paused when I saw both loans on the screen that were actively being offered to me. I asked the agent Ms XXXX why were there 2 loans afforded to me when the agent Ms. XXXX only offered me one loan. Ms. XXXX then pointed to the computer screen & said select this loan here. I said, wait a second what does this loan that you are telling me to select entail and why is this loan a higher monthly payment amount than the loan we discussed that I was approved for? Ms. XXXX then replied because the insurance brought your monthly payments up more. I asked Ms XXXX What insurance??? I have auto insurance. I do not need anymore insurance. Ms XXXX then said oh no- this is insurance for in the event that you pass away before the loan is paid. The insurance will pay off your loan so that your family is not left to pay the debt. In shock, I replied to Ms XXXX ... Let me get this this straight??? Without my consent and knowledge. One Main Financial has secluded a life insurance policy to be taken out on me at my demise within my loan contract without informing me on this policy on me? I then said and One Main is making me pay out out my pocket to take out a life insurance policy on myself for One Main to be the beneficiary???! I asked Ms XXXX '' Why was I not made aware that this life insurance on me was rolled into my secured loan and at my expense? I also asked Ms. XXXX why was I not at any time made aware by any one at One Main handling my loan that there was a life insurance that One Main was taking out on my me that was etched/combined into my loan? And I asked Ms XXXX why was I not once asked if I wanted to opt myself into this life insurance policy? I told Ms XXXX that it is illegal to take out a life insurance policy without a person 's knowledge or permission. Ms XXXX then stated ; if I do not accept the terms of the loan. I will not be able to receive the loan. I said I was already approved for the loan. I then asked to speak with a supervisor. The supervisor then came over to where I sat speaking to me in a rude disrespectful tone. & informed me that it was " assumed that I knew about the life insurance policy that was in my loan contract. '' I, in response to the supervisor said ; " How am I supposed to know about the life insurance policy that would be taken out on me if no one here/ from One Main ever informed me that One Main would be putting a life insurance policy on my life? I also said no where in the loan documents that I read does it state that a life insurance policy is being offered, explained, or a option for me. I then asked is a life insurance policy mandatory in order to receive the secured loan from One Main??? The supervisor simply apologized for the error while rolling her eyes and shrugging her shoulders. Then the supervisor confessed that the life insurance policy is optional. I then said. I do not want One Main having a life insurance policy on me. I asked for the life insurance policy to be removed. Me asking for the was clearly as issue at this point as Ms XXXX interjected looking annoyed as she stated that she would try to remove the life insurance policy from my loan but deleting the life insurance policy may cause my loan to be denied if the insurance is removed. Ms XXXX typed something on her computer & stated okay from what I see if you remove the life insurance your interest rate will go from 17.5 % to 24.5 %. I asked why am I being penalized for removing life insurance from my loan that I never knew was in the contract. I the loan that I was approved for carried a 17.5 % interest rate and now that I declined the hidden/embedded life insurance my loan interest rate went up 7 %. Ms XXXX angrily said the numbers are computer generated every customer 's loan is a case by case basis no loan is the same. I said I understand that but the approval that One Main and the underwriter approved me for had a 17.5 % interest rate and that you quoted me that same rate regarding my loan until I discovered there were 2 loans actually being offered to me and you were forcing me to take the loan that included the insurance. The manager came over to me then and said look Ms XXXX, we are entitled to build the loans the way we choose. If you are not happy with the terms I suggest you find other resources. I then told the supervisor that I want to have my loan transferred to the XXXX, Texas branch location. The supervisor looked at Ms XXXX with a smile then looked at me with a smirk on her face and said " Good luck with that ''. I asked for my documents back and asked my file to be transferred to XXXX, Tx. I contacted XXXX, tx One Main branch. I spoke with Mrs XXXX the supervisor for that location. I advised Mrs XXXX that I have an approved loan from One Main that I want transferred from XXXX, Tx to XXXX, Tx because of a conflict of interest. Ms XXXX told me that she would have my file sent to her branch and that she had to reach out to the XXXX branch. After doing so. Ms XXXX called me back and said the the XXXX One Main branch closed my loan and because the XXXX, Tx closed my loan I have to re-apply for a new loan. I asked Ms XXXX isn't my loan approval good for 30 days and she said yes however the XXXX store closed your loan which made you now have to reapply because the XXXX branch said that you did not want the loan. I explained to Ms XXXX that I never declined the loan. I asked for it to be transferred. I then called One Main corporate and informed Corporate that the XXXX Tx One Main closed my loan in order to prevent me from finalizing my loan out of retaliation due to ; I asked for my file to be transferred and the wherever you take your loan out. That store 's agents gets the commission off on each loan the complete. I also Told corporate that the true issue was because the XXXX store was trying cohere me into purchasing a life insurance policy in my loan without my awareness and I discovered this was happening by accident and the persons at the store was upset that I refused to insurance that they had quietly adding to my loan contact without my consent. I told corporate that I was informed by the XXXX Tx branch that since the XXXX Tx. store closed my loan I have to reapply and accept another hard inquiry to apply although my original approval was 7 days ago from the time the XXXX tx store closed my loan. One Main policy states that the loan approval 's are good for 30 days yet I am denied the right to complete my loan because the XXXX Tx branch was incensed that I discovered the life insurance policy that One Main 's agent were forcing on me by way of buying the policy in my contract without me seeing it. This has caused me hardship. One Main has been unethical in this process with me. I should not as a customer be bullied into taking a life insurance policy on myself in exchange to receive a secured loan which I used my car as collateral for. Especially, if the life insurance is optional.
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| 09/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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ONEMAIN - XXXX Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit scorXXXX big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.
I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.
( B ) Considerations. In prescribing regulations under subparagraph ( A ), the agencies shall weigh : ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403 ( 3 ), including entities that would be a credit repair organization, but for section 403 ( 3 ) ( B ) ( i ), are able to circumvent the prohibition in subparagraph ( G ).
( C ) Applicability. Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).
( D ) Submitting a notice of dispute- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that : ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.
( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall : ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
( F ) Frivolous or Irrelevant Dispute ( i ) In general. This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including -- ( I ) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or ( II ) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection ( b ), with respect to which the person has already performed the person 's duties under this paragraph or subsection ( b ), as applicable.
( ii ) Notice of determination. Upon making any determination under clause ( i ) that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person.
( iii ) Contents of notice. A notice under clause ( ii ) shall include -- ( I ) the reasons for the determination under clause ( i ) ; and ( II ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act.
I also found out that under these new FCRA laws, that you must provide me with documentation regarding information you are reporting to the credit bureaus.
On my most recent credit report, I see that derogatory information is reporting. The issue is I never received ANYTHING from your company in regards to these changes to my report. According to the Fair Credit Reporting Act, you have 30 days to provide me with this information as I have never received a notice. I ask once again that you erase this item immediately from my credit file due to your lack of consideration, and flagrant disregard for the Credit Reporting laws. I do not want to litigate, but I will do what I need to in order to remedy the situation.
I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
In short : Reporting false or inaccurate information, and not making me aware of it are BOTH a VIOLATION OF The Fair Credit Reporting Act.
I demand that you correct my account to show as paid as agreed never late OR remove this account from my report, or I will seek legal action and remedy, as I understand it is my right to do so if you victimize me by sending inaccurate information about me to the credit bureaus. Shame on you!
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| 06/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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In XX/XX/XXXX, I entered in an agreement that I know now to be fraudulent and predatory. I needed the money to escape a bad marriage and secure housing for myself and my daughter. The loan amount was XXXX of which I personally received XXXX. As of today, the remaining alleged amount due is XXXX. How after 3 years is the balance still close to the original balance? Additionally, I entered into this loan agreement by having to secure my auto title and releasing it to One Main financial. In XXXX, the car became inoperable, it had been sitting in my driveway for some time because I could not get One Main to release the lien on the vehicle so I could sell the car and obtain a new one to get to and from work and get my child to school. After several calls and multiple emails which are attached, they finally agreed to release the lien on the vehicle. I had even asked at one point that they remove the reporting of the transactions to the credit bureaus and was told they were obligated to report it. I tried to secure a new loan with them to assist with financial difficulty the entire situation had caused, my loan request was denied as well. So, they had violated, 15 usc 1605 determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.
( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.
( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.
( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.
( 6 ) Credit reports.
( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended ; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to XXXX percent of the total amount of credit extended.
Additionally, under 15 usc 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
I, XXXX XXXX, have never provided written permission to any credit reporting agency to report any item on my consumer report.
I am demanding payment for all interest and payments made on this account and payment for all violations of federal law as it relates to this account as well.
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| 02/20/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/XXXX. XXXX. I saw a loan offer. On XXXX XXXX, which I decided to apply for. To my surprise. I was accepted for {$20000.00}. I was then prompted to go into the OneMains main office to fill out the paperwork. I walked into OneMain Financial at XXXX XXXX XXXX # XXXX in XXXX, TN. I spoke with a lady named XXXX XXXX who escorted me to her office to go over what I did online. I explained I only wanted {$20000.00} to pay for other bills. That amount would have left me with little over {$2500.00} to pocket. She told me OK, no problem. She asked for my Social Security number, ran my credit, and told me I had excellent credit. Then she pulled up my online application and said OK. She asked if I was receiving SSI? I said yes. Then she told me that wouldnt be enough to get the loan then asked if I had collateral? I told her I only have my vehicle, but it's not yet paid off. She told me I could use that to get the loan which I didnt understand as to why when I did the application online and the only thing I was to do was to come in and finalize the paperwork. She kept going in and out of the office to speak with other representatives. I thought nothing of it because she told me I'd get the loan plus Id have cash to take home. After getting payoff amounts for the bills I was still paying on, she came up with her own consolidation figure after I had done my own consolidation, which I questioned because the amounts didnt match.
Which I didn't understand why but she told me my total for the loan came out to {$34000.00}. @ a 16.99 % APR, and the amount financed was {$22000.00}. As the finance charge was. {$11000.00}. She told me my first payment would be. {$710.00}. Beginning XX/XX/XXXX. XXXX. Then, It would go to {$560.00}. after that for 59 months. I was a bit confused because I noticed she didn't place on my application that SSI was my main source of income at the time. I also noticed, she stated I was employed at XXXX at the time of application but, I was not working at all. After she went over all of this, I explained to her that the payment would be too high for me, given I only receive {$790.00} a month from SSI. She told me that she'd make the adjustments and they will be reflected before my first bill came out. So, I went home and looked over the paperwork. and I called the next day. And explain to her again. That the payments were too high and that I'd like for her to reverse what she did. She then assured me again that everything will be fine that she took off some things. Like the single life premium, The GAP Insurance premium, and my Certificate of Title Fee. I asked her to explain to me what it meant by the lender may retain a portion of these amounts with an asterisk, and two asterisks beside another statement which said for the purchase of the non-credit insurances or other products I requested, or I may keep the funds. Let me be clear I NEVER received any funds to go home with that was promised. Also, at the bottom of the paper it said lender received service charge of {$1300.00}. I was told that my bill would be lowered because these things were to be taken off, that didn't happen. My bill ended up being {$520.00} a month. Due to my disability and about 1 year into making these payments. My only source of income was SSI and this whole ordeal was causing me more pain than I anticipated. I felt helpless as my disability began to worsen.
I ended up in a bad deep depression as they continue to report negatively on my credit. That went from a XXXX down to now a low XXXX credit score. That hurts because I have worked so hard being a single mother to keep my score high, so that one day Id be able to own my own home. And because of this situation, Ive got to start all over while staying in my apartment where I dont have enough room, which causes me to have to pay for a storage facility. Even as helpless as I felt I still made XXXX partial payment in XXXX of XXXX for {$260.00}. XXXX. That was all I had left as I had to pay for food, I had no phone, had to pay for storage, and personals as well as necessities.
My sister told me to do some research to find out what can be done about this company, and so I did. I researched how to do an Administrative Process and I started to send them affidavits. The first one was sent on XX/XX/XXXX. The next one was sent on XX/XX/XXXX. I have the green receipts and copies to prove they received them, yet none has been rebutted. I sent a Conditional Acceptance of claim on XX/XX/XXXX as well. On XX/XX/XXXX, I sent an Opportunity to Cure to the branch manager, XXXX XXXX and again on XX/XX/XXXX. A Notice of Dishonor and Estoppel was sent on XX/XX/XXXX. The last affidavit I sent was to XXXX XXXX, who claimed she was a senior advisor for OneMain, which was a Plain Statement of facts on XX/XX/XXXX. All of the letters I have sent have green receipts and not one has been rebutted. I also have sent a Notice of Cease and Desist on XX/XX/XXXX. The only thing they have honored from the Cease and Desist was no more phone communication.
On XX/XX/XXXX, OneMain stole my vehicle in the middle of the night. I did not realize my vehicle was gone until I was ready to leave to get groceries that day. I called OneMain and spoke with several representatives that kept transferring me to other representatives. I spoke with XXXX representative named XXXX who advised if I wanted to get my vehicle back, I would have to pay a lump sum of {$13000.00}. I asked him to send me this information in writing. He ended up emailing me a settlement quote for {$13000.00}. in one of their corresponding letters, I was advised my vehicle would be sold sometime after XX/XX/XXXX, and I would be responsible for any outstanding balances and fees.
The consumer laws that OneMain is in violation of : 15 USC 1692b ( 2 ) which states any debt collector can not state that such consumer owes any debt.
15 USC 1692b ( 5 ) which states to not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegrams that indicates that the debt collector is in the debt collector business or that the communication relates to the collection of a debt.
15 USC 1692e ( 2 ) ( A ) which states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt without the limiting of the application of the foregoing, the following conduct is a violation of this section ; ( 2 ) ( A ) the false representation of the character, amount, or legal status of any debt.
15 USC 1692a ( 3 ) which states the term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.
I have included the letter with exhibits and an Invoice, along with my UCC-1 Financing Statement that shows the collateral which was included and my XXXX showing my status, that was mailed via overnight service with delivered confirmation to OneMain on XX/XX/XXXX.
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| 06/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I applied and was approved for a One Main loan product in XXXX of XXXX. At the time I was receiving a full time income. The loan was for {$10000.00} to be repaid in 48 months. I have made payments on time, every month for nearly three years, totaling over {$10000.00} in payments. Yet, somehow I still owe {$5200.00}, or over 50 % of the loan ( note that that is not the payoff amount, because interest is still accruing ). I was appalled to learn that I can't even access previous statements or the history of payments on my online account so I can't even add up how much was put towards interest vs the principal balance. There is nowhere in my online account or statement provided by One Main that shows me how much the principal balance is being reduced by. This lack of transparency is extremely troubling.
In XXXX of XXXX, I left my job to pursue my XXXX full time. Five months later, Coronavirus happened and I had over $ 10k worth of income lost in XXXX alone. I was able to pivot my XXXX to an online model and have managed to keep up with most of my bills ( largely due to being approved for unemployment assistance as XXXX XXXX, after being denied EIDL and PPP due to the fact I was employed in XXXX ) during the length of the pandemic. This has also been due to the fact that most companies have been willing to offer some sort of payment relief or deferment during this unprecedented time.
I called One Main in XXXX to explain my situation and ask for a long term relief option since I no longer had the income to support this loan. They advised we take it one month at a time, and offered a one time deferment, which I accepted. In XXXX, they offered me the option to make a half payment, which I also accepted. I asked again for a longer term option such as a reduced payment, and they again told me to take it one month at a time and to call back if I couldn't make XXXX XXXX payment.
I called in XXXX to explain I wouldn't be able to make my payment in full and again asked for a longer term option. The person was extremely agitated, telling me there was no sort of longer term option due to my " creditworthiness ''. ( Had he run my credit recently? how does he know? ) and demanded I pay by next week - " immediately '' - he said. I explained ( again ) my situation - that I was only receiving {$450.00} a week in unemployment income and my main focus was on paying my rent and asked again for a lower payment option or asked if it would be possible to make a half payment instead. He told me that wasn't an option and began to become extremely agitated. I told him I wouldn't be able to do make a full payment by next week, as of now I was short on rent and I needed to prioritize paying that. Coronavirus cases are rising in California ( where I live ) and the {$600.00} I am receiving extra from unemployment is about to run out, and businesses are having to re-close due to the Governor 's new orders. He then told me if I didn't pay by next week, he'd have to send my account to collections. He said that due to my " creditworthiness '' there weren't many people that would be willing to help me when I would need it in the future, and if I didn't pay he wouldn't be able to help me either and I'd be left with no options. I explained again that I wished I could pay but I just didn't have any other options and understood I'd have to go to collections. He then told me I needed to call someone to ask to borrow the money. I explained I didn't have anyone to ask to borrow the money. My mother is in a state XXXX-run XXXXXXXX XXXX rampid with corona virus, 3000 miles away from me. I have no other family. He then spent an additional 10 minutes telling me how I could just call someone else, they didn't have to be local to me, they could call in and make a payment on my behalf. I tell him again I have no one to ask! I explain again that I am sorry and I really want to be able to make my payment but I have to prioritize paying rent and there is just nothing I can do right now and understand I will need to go to collections. California has been shut down for months and cases are continuing to rise. I have to make sure my rent is paid, there is nothing I can do. He then suggests, in a threatening manner, that I do not pay my rent and pay them instead. He goes on to tell me he " didn't know the rules in XXXX, but here in XXXX XXXX they can't kick you out for not paying, they actually let you stay there for up to a year without paying ''. He is starting to get extremely agitated at this point and starting to become upset that I can not pay and spends a significant amount of time trying to convince me that it was fine for me not to pay my rent bc " they couldn't do anything about it ''. At this point I am starting to feel threatened and tell him I will call him back so that I could get off the phone. HOW is it acceptable for someone to lie about a situation that would cause HOMELESSNESS? During a global pandemic!
Instead of having ANY compassion during a time when 40 million people are unemployed and millions more are experiencing financial hardship, this grown man advises a young single woman who has clearly stated she has no family, and is on unemployment income, to give up BASIC SHELTER during a worldwide pandemic, in order to pay a consumer debt. Advising - rather convincingly - that I would be able to stay in my apartment after not paying rent is not only completely false, but it is dangerous and violent, and should be treated as such. As someone with a previous career in property management, I can assure you that if I didn't know any better and had believed him, which was certainly his intention, I would have been greeted by a sherriff next week to find my belongings on the lawn and I would have literally nowhere to go.
At a time when we globally are facing an unprecedented crisis, advising someone to become homeless during a health pandemic, is not only predatory but should be considered illegal.
Please note that I have already PAID over the amount initially borrowed. The remaining $ XXXX + I owe is all for interest.
I will not be resting until this matter has been addressed and will seek legal action if necessary. The way this company speaks to it's customers is is completely unacceptable and this particular issue should be considered a public health threat.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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Hello, On XX/XX/XXXX, 2 random inquires from XXXX XXXX XXXX popped up on my credit report. They are and will be past business bank accounts of ours as well as personal checking/savings and credit card.
I recieved X2 Hard inquires on the same day which took my credit score down by XXXX XXXX.
These were dated back : XXXX XXXX XXXX applied for credit XX/XX/XXXX : This was NOT done by me.
XXXX XXXXXXXX XXXX applied for credit XX/XX/XXXX : This was not Done by me XXXX XXXXXXXX XXXX has been the worse decision I have ever made as they have continually done this through the years without any merit or conset. The offers they send not only are discarded, but they also say that they are soft inquiry only variety. So to have a hard inquiry and 2, at that show up on the same day with different dates in the far past that I did NOT apply for, fill out any form or do anything to engage in or use XXXX XXXXXXXX XXXX whatsoever is debilitating to my credit report especially when I am trying to buy a home and rent an apartment.
On Friday XX/XX/XXXX I had went into the branch I started the accounts and inquired why these were showing up on my report. They could not answer the questions ans they show no forms or online forms that connect myself, my business account nor my DBA with these dates or hard inquiries.
They told me that they were " perplexed '' that this could happen and that they have several departments that possibly handle this.
On the Week of XXXX XXXX XXXX I had kindly called all of these numbers, were rederitcted to other numbers and filed an immediate removal of these inquires. I was answered with once again, the ability to not know how or why they got on that report nor able to supply evidence of it being Myself or myself ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Furthermore, XXXX XXXX XXXXXXXX has no record of XXXX XXXX XXXX being our buisness bank account and reports no financial connection between my business and our 6 accounts we have with them.
Further more, XXXX XXXX only picks up 1 payment to my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, internet, TV, ... XXXX XXXX water, sewage and trash, Subscription based credit and trade lines, or any type of continual ongoing lines, credit or information pertinent to my credit health and paid on time and even early over the past 7 years. Again, they have no explanation nor any clue on why they are not connected. The Acccounts clearly state that they directly will report to these beurous including XXXX XXXX XXXX, XXXX, XXXX and XXXX. Interesting how they will report bogus hard inquires, but not anything of true value as I have documentation of the original requests and promises that XXXX XXXX XXXX state to report to these agencies upon opening of a Business Account and dollar amount which we have surpassed every single year since we opened the account in XXXX. At that time they were to report to XXXX XXXX for our busines and my personal account as they are both used when anything happenes. I have since then been able to start the process of seperating these 2 as my credit directly effects my business which is of the highest standards in quality, kindess, empathy and compassion. Our values of of the highest and we are creating change in our enviroments to grow other people sense of kindship, creativity and honest and integrity. XXXX XXXX XXXX has done the obverse and coninually created hardships for us, charged us bogus fees, and recently paid credit card payemtns for us or a glitch in their system is paying our bills 3X a day on the same day for different values. they have no explanationi for this either as I dont believe they have any control over their security anymore.
We have had X8 data leaks from XXXX XXXX XXXX and had to get new Cards shipped to us due to their inability to secure their business structure and IT structure resulting in our infomration being leaked to the public. Their recent, the biggest in history has been the start of this current complaint.
Again, 2 hard inquries on all credit reporting agencies, and highly negativily impacting my business and personal credit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual DATES of illeged incidents : -- XXXX reports : XX/XX/XXXX, XX/XX/XXXX -- XXXX reports XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Bank Account Misrepresentation, payments and misuese of my personal account resulting in higher fees, overdraft fees of values I have never seen or read about and confusing data to accompany these transactions with no evidenece they were made by Mysel of my business.
on 08/08/2022 there was a Credit card payment of 3 varieties on the same day, 3 different values : {$35.00} {$150.00} {$200.00} This was a glitch in their system but I belive it ended up charging me overdraft fees. This is not the first time this has happened.
ALL BELOW ARE BOGUS, AND I CALLED ALL OF THEM AND THEY REPORTED NO EVIDENCE OF ME APPLYING FOR ANY OF THESE!! THEY SUGGESTED I CONTACTED THE CREDIT REPORTING AGENCIES AS THEY HAVE NO IDEA WHAT AND WHY THAT WOULD HAPPEN.
XXXX XXXX : Reported a Hard inquiry and a 30 days late In XX/XX/XXXX. Both were non legitiment credit reporting. I did have them remove the 30 days late, but they said it would stay on the report for 90 days before it can be removed which I know is against the fair trade and credit act.
XXXX XXXXXXXX : Also did a hard inquiry on XX/XX/XXXX This was not enabled or requested or anything by myself and also just showed up on my credit report out of a random inquiry and hurt our credit report.
XXXX XXXX : another inquiry I have no clue where came from but called an no way to contact.
You applied for a credit card on XX/XX/XXXX Onemain You applied for a loan on XX/XX/XXXX XXXX
|
| 10/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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Dear Sir or Madam, 1. ONEMAIN Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ONEMAIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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Dear Sir or Madam, XXXX. AONEMAIN Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with ONEMAIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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have been having a dispute with one main financial for several years regarding a XXXX insurance claim. I filed a XXXX claim with them after I became XXXX in XX/XX/XXXX. They approved it for 12 months and said we could review it again in XXXX if I was still XXXX. Since I continued to be XXXX, I asked them when they stopped the payments what to do. I was told to have my doctor fill out another claim form by one of their insurance representatives. I did as I was told and it was denied. I asked them why since this is what I was told to do. They said the doctor at the practice put down incorrect dates on the form to have them correct the dates so that it showed I was continuously XXXX from XX/XX/XXXX and we did what they said.
After this I got another denial saying I was released to go back to work ( I have not ) and was only partially XXXX not permanently XXXX ( I am not partially XXXX I am permanently XXXX ) and could work. I don't know what to do since they keep changing the reason for the denial after my doctor and I explain and do what they said to do. They have called me literally hundreds of times up to 5 times a day after being told to stop on XX/XX/XXXX of XXXX. They claimed I needed to call a different number to have the calls stopped although they called me from several different numbers several times a day. I asked them for a detailed breakdown of charges They didn't give it to me. I asked them for a copy of the contract and details for the XXXX insurance they were denying. They didn't give it to me. They never gave me a detailed copy of that or the roadside assistance insurance, unemployment insurance etc. I recently found out that they were subsidiaries of one main themselves which they never disclosed and that they essentially out the insurance payments back in their own pocket asking with the insane interest rates which aren't fully explained. Please help. I paid their outrageous interest rate and fees for the insurance so I would be covered if XXXX. I was never told of any limitations on it or that I would be harassed when XXXX. At one point they threatened a lawsuit knowing I was XXXX and unable to pay.
I am now about to lose my car because the state of Pennsylvania needs the title to register the car but I can not get the title due to the lien and moving from Florida. Since the city is threatening to take my car to a tow yard and charge fees I can not pay I called one main to repossess it so at least I wouldn't be paying lot fees and they have the lien. I figured at least then something would go toward the amount owed although the XXXX insurance should have taken care of everything. They refused and said I would owe even more for the repossession if they did. They said the car wasn't enough to pay the loan and they would add on the cost of the repossession. But yet they still have the lien on it. So I can't register the car I so badly need because of the lien and needing the title number. They say my car isn't worth repossessing but won't let me have what I need to keep my only transportation either.
They say I don't need the title or title number but when I went to the registration place and online they say I do because I moved from Florida to Pennsylvania in XXXX after the Hurricane XXXX destroyed XXXX XXXX Florida.
Motor Vehicle Information for New Residents How To Title and Register Your Out-of-State Vehicle in Pennsylvania All new residents are required to make application for Pennsylvania title and registration of their vehicle ( s ) within 20 days of establishing residency in Pennsylvania.
As indicated below, individuals are required to have a valid form of Pennsylvania identification in order to make application to title and register a vehicle in Pennsylvania. Although new residents have 60 days to obtain a Pennsylvania Driver 's License, there is nothing to prevent them from obtaining their Pennsylvania Driver 's License sooner.
Pennsylvania title procedures require that the out-of-state title be surrendered to the Bureau of Motor Vehicles when applying for a Pennsylvania title. The current lienholder of an out-of-state title may require that the vehicle owner refinance the balance of the outstanding lien through another lending institution and pay the out-of-state lienholder in full. A Pennsylvania Certificate of Title will only be issued when the out-of-state title is submitted with the completed Form MV-1, " Application for Certificate of Title. '' Likewise, a temporary Pennsylvania registration plate may only be issued when the out-of-state title is submitted with the application for Pennsylvania Certificate of Title .
I called their office in XXXX and the office in Florida both claimed they couldn't help me with the information I needed and referred me back to their 800 number and the people at the 800 number were the ones that refused to help saying I didn't need it.
I spoke to an account manager who claimed he could send me proof of the lien then when I requested it be sent only sent the original contract not the lien information. They promise things then change them the next time I call.
I paid all their fees and for the XXXX insurance so I wouldn't be in this situation and I did everything they said regarding that XXXX insurance. Please help. I can also show you call logs showing the harassment but can not attach everything. I can email them to you. I just want the debt paid by their insurance subsidiary and my title to the car sent to me. I paid their outrageous fees to have that coverage. Currently my car is being stored at my aunt 's property so I do not incur tow and lot fees I can not afford. My doctor was willing to give all the information they needed bit they kept changing the reasons and I did not jervis what to do. I would appreciate any help you can give. I can also email you call logs showing the harassment.
Sincerely, XXXX XXXX
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| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Dear Sir or Madam, *1. ONEMAIN XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with ONEMAIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. OneMain Financial & BAL. {$4600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. ONEMAIN bal. {$4100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ONEMAIN bal. {$8900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 11/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX XXXX XXXX XXXX XXXX. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of XXXX XXXX XXXX XXXX XXXX ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX & XXXX I am well aware of my rights as a consumer. XXXX XXXX XXXX XXXX XXXX requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the XXXX XXXX XXXX XXXX XXXX Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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One Main title loan, the interest and fees unknown to me as well as many others I found only at this tone reading the complaints of the same serious issue I was experiencing, should of been much lowered balance! Period! I have made payment arrangements at times and completed them with automatically having {$360.00} a double payment paid as promised {$730.00}. During setting this payment arrangement up I asked what is my payoff amount if I could pay it off in full, I was told cant tell me until my payment arrangement is met. It was paid as it was set up, I called asking this is in XXXX ( I will have all my information if there is something that could be done for me as m as thousands of others consumers, this one main easing needs looked into regarding fees interests just like payday loan was and was able to help greatly with a class actio. Suit, I would provide whatever I have if can help me and so many others ). After my payment arrangement of {$730.00} was met successfully I called back asking because of all the reviews I read and was so scary knowing I have paid for years, and k heard balance is XXXX I almost died and today if paid they pay off amount was I believe $ XXXX again this was in XXXX and today after I stopped making payments in XXXX, it is showing up the 3 XXXX XXXX XXXX credit companys, also showing up as good credit when springllief financial was the the loan company before changing to one main, now it shows of course negative way a charge off {$10000.00} when my first loan was XXXX last one was XXXX the loans I have received in that timeframe was one large one {$2500.00} and {$300.00} {$500.00} & {$300.00} I didnt expect to hear my balance was $ XXXX and pay off then was around $ XXXX I have paid {$360.00} for years years XXXX through XXXX after fighting to lower my monthly payment that did for ) months only only {$270.00} and after my income at that time was strictly only my ssi monthly amount losing child support due of course to law and thats even why I have had to even start title loan because of my child support late and then very late taken long to receive full payment and times not full payment, I had to get help I went to springleaf financiaXXXX then changed to one main financial about two years after taken first loan out think it was XXXX changed to one main. I stopped paying due to covid hitting couldnt get a job in something I could do cleaning was trying to start that work knowing XX/XX/XXXX my son was turning XXXX and could t survive on just ssi! Between the fact covid was just knew to the entire world and the fact I have paid sooo much and what my balance was in XXXX knowing it was at least four years earlier was last loan in amount {$300.00} I did that to get tires to pass inspection last loan XXXX I believe it was, again 3 small loans biggest one was {$2500.00} my very first one and to hear $ XXXX XXXX or XXXX I would happily submit all statements of course needed to help stop this company from doing the same thing as pay day loans did, there is obviously others doing the same thing Im in state of PA pay day loans are not permitted! After paying XXXX for 8 years up until XXXX of XXXX due to losing my child support payment which was my income along with SSI and only lowered my payment amount temporarily to {$270.00} for 6 months and paid that they would not keep it that way, wanted {$360.00} XX/XX/XXXX lost child support to be exact they knew this and knew I was only receiving ssi and heard my balance amount in XXXX was XXXX something which it is on credit companies showing that sum, years of paying {$360.00} first loan XXXX last XXXX XXXX total of 3 small ones first one was largest 4 total, to head $ XXXX back in XXXX after reading many many complaints nothing paid is reflecting a lowered balance after paying years, is when I found out XXXX contunued making payments best way I could fought with them XXXX lower it so I can meet my payment monthly not report me XXXX was forced to stop payment I simply couldnt due to pandemic losing child support was not working was trying to start cleaning when it all two things at once took place covid -19 and XX/XX/XXXX lost child support! Again knowing what I paid monthly for many years and not see a dent towards my total balance of loan and many complaints reviews for years I was forced to stop paying, they did not lower my amount and now its hurting my credit greatly as well as others, and this place must be stopped allowing to do business as they do because it just hurt consumers finding out years later like myself it is destroying lives! Not only that they have called my family for payment collection department many times until I threatened them filing a complaint with consumer finance, this is as bad as payday loans I beg plead you to look into OneMain financial as I hold that a class action suit will be started. Please contact me regarding this serious matter please XXXX XXXX XXXX. XXXX XXXX XXXX Please. Please help others and myself we deserve to have a class action suit take place involving one main customers. Thank you very much for reading this Im sorry regarding typos I am trying to get this all in and hope to be responsed to asking for any and all Information regarding one main loans Thank you
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| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On today, XX/XX/2022, I spoke with a supervisor and a rep at XXXX who advised that I would need to submit another credit reporting dispute in order to receive a proper investigation.
I submitted a CFPB complaint against one main financial for not reporting that I am current to XXXX. On XX/XX/2022, I chose to settle an account with OneMain Financial. I wanted to settle my account in full with their XXXX month installment option. When I asked how that would reflect on my credit report, they advised that it would show as settled in full with a 90 day delinquency. Because I am currently in the process of buying a home, I told them that I need my account to show as settled in full ( with a payment rating of XXXX ). They advised that in order for my account to show as settled in full current instead of settled in full with a 90 day delinquency, I would need to extend my settlement option to 6 months instead of one lump sum payment. They also advised that once I have paid my first installment, submit a written dispute in order for them to update that my account is XXXX, current. This is unfair and misleading, but because I met with my lender and am trying to close on a home, my hands were tied and I felt pressured to take that option. I submitted the dispute after I made my settlement payment and I received a letter from OneMain on XX/XX/XXXX advising that my account would be updated to reflect current and the first date of delinquency would be removed. On the XXXX of XXXX, I then received notice that my XXXX score dropped because my OneMain account is 120 days delinquent with a past due balance of {$1.00}. I have filed a formal CFPB complaint with OneMain and that number is XXXX.
Today, I contacted OneMain again, and asked what information was sent over on my metro 2 file as well as my AUD to the bureaus. OneMain advised that they will send over another correction to XXXX to fix the error. I was given an AUD control number to give to the bureaus to confirm.
When I spoke with XXXX, they advised that the AUD that was processed on XX/XX/XXXX from OneMain showed a balance of {$2500.00} and that the account is XXXX days delinquent with a past due balance of {$1.00}. The XXXX Supervisor then advised that their system of record reflects what OneMain sent over. She refused to search the AUD control number to verify if they received the information. She told me my only option was to dispute over the phone, or mail a dispute with a copy of my attached letter from OneMain. I have already disputed this account weeks ago! It was supposedly resolved by OneMain, but now I am being advised that I need to dispute again for the exact same information in order for them to properly investigate.
When I called OneMain back, they advised that on their end they are showing that XXXX is reflecting that I am 120 days past due with a past due amount of {$1.00}! When I asked what can be done to fix the issue, I was hung up on by a OneMain staff member by the name of XXXX XXXX.
XXXX is refusing to look up the AUD control number to confirm what they have on their system of record. As a borrower who is not being given access to see the AUD, or have the AUD control number verified, how am I being given any reassurance that a proper investigation has taken place? I have my AUD control number and a letter from the creditor saying that my account should be updated to current, but I am receiving no information from XXXX or OneMain regarding the breakdown in communication on their ends. Instead, I am left with an unfair/incorrect past due amount of {$1.00} and a 120 delinquency. This is preventing me from purchasing my first home. XXXX is advising that my only option is to now wait 30-45 days for them to investigate which will hopefully bring my credit score back up.
That means that a debt I have paid on XX/XX/2022 will not be properly updated on my credit report until XX/XX/2022. Both entities are violating my rights as a consumer to have my credit report updated correctly and are ruining my chance of home ownership for my family.
Please keep in mind, my goal was to settle this account in full on XX/XX/2022 but I was advised by OneMain that doing so would still allow them to reflect that I am settled in full with a payment rating of a XXXX means 90 days delinquent. So my only option was to extend the settlement to a 6 month settlement and pay it off in XXXX options so that it would show settled in full with a payment rating of XXXX ( current ) AFTER I submit a written dispute. I believe this is a clear violation of UDAAP as these practices are clearly unfair and deceptive. By extending the settlement option to 6 months, that also means that the amount they were willing to settle for increased by almost {$300.00}. Please investigate.
As for XXXX, if you received XXXX AUDs, how are you the only bureau not willing to verify the information given with the AUD control number? If you know that the information appears inaccurate, its your responsibility under the FCRA to not allow erroneous data to reflect on my credit report. My hands are completely tied at this point and I would like for my account to be updated with OneMain, and XXXX immediately.
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| 09/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Received a loan you didn't apply for
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Web |
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The exact reason wasnt listed in the multiple choices provided!
I received a loan offer/solicitation from One Main FInancial in XX/XX/XXXX and following the death of my mother XXXX XXXX was in need of financial help. I called and spoke with a local branch employee who collected some info them indicated i was approved for an {$11000.00} loan/line of credit.
They stated they would pay off /take over my existing car loan and payments would be made to them should I accept! I have been employed with XXXX XXXX XXXX for three years however, at the time I called/met with the lender I was on 100 % paid short term leave. Additionally i was VERY transparent about that! They assured me that wasn't an issue as again it was a paid leave and told me that an added benefit ( the main issue ) they offer is insurance that would cover me should I need to stay under a doctors care or if i was ever to need an additional leave, was hospitalized, etc., they would satisfy 100 % of my monthly installments while I was under a doctors care. I met with a banker at One Main Financial on XXXX XXXX XXXX XXXX In XXXX, DE on XX/XX/XXXX and was sold a lie.
My monthly premium for a 60 month loan was {$390.00} ( with interest ) & with the XXXX insurance I was sold/ promised brought the monthly payment to {$440.00} I have paid said loan ( to-date ) including the XXXX insurance premium sold to me and outlined in my contract.
On XX/XX/XXXX I was placed on an XXXX XXXX by my doctor ( paid ). XX/XX/XXXX - XX/XX/XXXX to be exact! Shortly after I reported the leave to the manager at One Main ( XXXX XXXX XXXX ). I made a payment on the account at that time and I offered to make an arrangement with him for the remaining balance. I wasn't sure how the claim process worked with One Main so I also asked him if I should continue to make regular payments while waiting on the requested correspondence to post ( from my DR. & Human resources team and/or for the claim to be approved. " Don't worry about that, Im certain your claim is going to go through. '' was the reply from XXXXOne Main 's on site branch manager.
I worked vigilantly with my HR team and my doctor to ensure all paperwork and request made by One Main were accommodated in a timely manner. After confirmation from XXXX that all paperwork was received he advised me the insurance claim would likely be approved in a few days and set the expectation that I would likely hear from him Wednesday ( XX/XX/XXXX ).
I never did hear from XXXX ( or anyone at One Main, Or their insurance provider ). Following a voluntary review of my credit report I noticed that every month my credit score was descending. XXXX reports XX/XX/XXXX as down -79PTS following another derogatory remark by One Main Financial. I called to address this and spoke with an employee named XXXX on Wednesday XX/XX/XXXX and at that time he informed me that my claim for the insurance ( I was so convincingly sold, once upon a time ) was denied. He rambled some things I think even he knew he wasn't suppose to say and followed it up with an " I don't want to go any further but will have XXXX call you! '' Once again, No call back from them. Not surprised.
I decided I would call XXXX today Thursday XX/XX/XXXX as surely this was some kind of mistake and was advised that my claim was, in fact, denied. XXXX stated that when I was sold the loan, I shouldn't have been offered the insurance as I didn't " technically '' qualify for it. He said they took it away/canceled me without my permission and with my payments being made! Changing the terms of my loan, the loan they sold me entirely! He said that he wasn't sure what to do and indicated he had no control over a solution and referred me to their executive team. Before I have another conversation with One Main I would like to seek legal counsel and/or attempt some relative mediation. Should I have not attempted to file a claim I would have continued to pay for this insurance for the life of the loan. More than that, I wouldn't have accepted the loan in the first place! It is my understanding that as a financial institution they have an obligation to be forthcoming and avoid deceptive sales practices. Additionally this violates a number of my other rights as a consumer and has drastically impacted my credit score, leaving me almost in financial ruin. I was referred to you by XXXX XXXX P.A ( Not retained at this time ), and I look forward to your help. Please advise me of any next steps or anything I can do to help expedite any process in place. I desperately need my credit report updated any my balance adjusted. The truth is I would have never taken out this loan without said insurance as my health has been less than ideal since my mothers death. They should annul this arrangement following their dishonest sales practice and the multitude of regulatory violations. Thank you for your time.
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| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXXn OneMaine Account # XXXX Attention Credit Dispute Department : Please be advised that the 30 day late for XXXX payment is incorrect, my account was never late. On XX/XX/XXXX I called and spoke with the XXXX NC XXXX specifically with XXXX the customer representative at the branch who was suppose to put in a single deferment that should have deferred XXXX entire payment.
On XX/XX/XXXX I was notified by all XXXX of my credit bureau monitoring services that my account was reported 30 days late for XXXX. I called customer service that same day which was a Saturday and was informed to call the branch the following Monday to follow up. Monday XX/XX/XXXX I called the branch and spoke to XXXX who informed me she didnt know why the deferment wasnt process, attempt to speak with branch manager and was told she was out sick. I then spent a full day on phone with customer service for OneMain corporate and was told by representative XXXX XXXX XXXX that XXXX from the branch had processed my deferment incorrect. XXXX XXXX informed me after review of deferment request placed that XXXX from the branch incorrectly processed the deferment for a double deferment and it should been a single deferment for XXXX not for XXXX and XXXX asXXXX month didnt exist.
This issue was then escalated to a manager for corporate customer service XXXX XXXX who assured me that he did see and confirmed that the deferment was set up incorrectly on the branch behalf and that he would take care of the concern and work on rectifying. XXXX XXXX promise to call me back the following day which should have been XX/XX/XXXX he never did, I had to follow up with him. When he finally talked with me on the XXXX after chasing him down for answers he stated he couldnt help. I then called the branch back the following day and requested to speak with the regional of which on the XXXX when I spoke with her ( XXXX it was her first time being informed of the situation which was explained again what happen. The regional XXXX checked my account and informed me and re confirmed that XXXX at the branch had processed the deferment incorrectly that it should have been for a single deferment and not a double deferment, she apologize for the mistake and promised to fix the issue promising to reaching back out to me on XX/XX/XXXX. XXXX never followed up, so I reached out on XX/XX/XXXX at the number she provided me to follow up with her on, only to get the run arounds that she could not talk with me as informed by a representative from the complaint department. So now Im getting the run arounds after being promised that it would get fixed as this was a HUGE mistake on the branch end. If I may reiterate that XXXX the Regional manager confirmed the issue and what happen, she PROMISED that she would fixed how the deferment should have been set up and also she promised that the 30 day late would be fixed by putting in a request with all department to begin that process, she promise that she would follow up with me XX/XX/XXXX to confirm that the 30 day late reporting was being worked on as she also had the authority to issue this approval, however she can no longer be contacted or fix this issue as promised. She assured me she would fix it. She didn't call back nor would she answer my calls, had the corporate office call me to inform me that she could talk with me any longer complete BS.
Regardless of who promised to fix it the reporting is incorrect, I was never 30 days late. I put in a request for XXXX payment to be deferred as I explained to her and everyone else at OneMaine. I never requested for XXXX and to be deferred, that payment was never in questions. As I have also explained to OneMaine it took me over 4 years to rebuild my credit after being homeless for 4 years to do so and purchase a new home, I also depend on my credit to keep my career and lively hood this has majorly negatively effected my life financially and to have to go through all of this heartache, hardship, XXXX and XXXX due to all the hard work of putting in disputes in writing with all 3 of the bureaus, calling around to all of these departments to get them to see that this was the branch fault even after they have confirmed that this was a mistake and being promised by several managers and the regional that they would fix it their mistake. I should not have to be going through any of this disputing when the mistake was clearly the branch fault. I never asked for anytype of double deferment I dont even know what that is nor did I request it or need it.
Im requesting that this late be removed from my account and will be demanding recompense for the loss in my credit rating, and due stress put on me financially and physically. This dispute will be followed up with a lawsuit.
XXXX XXXX XXXX : Legal Files, NC Attorney General
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| 10/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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Web |
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On XX/XX/2023 I was pre-approved for a loan and I submitted the documents requested on the same day XX/XX/2023. On XX/XX/2023 I received an email to submit additional documents and I submitted the additional documents on the same day XX/XX/2023. On XX/XX/2023 another additional document was required and I submitted it her same day on XX/XX/2023. On XX/XX/2023 after submitting all of my documents and being reviewed the Loan Consultant, XXXX gave me a call and told me I was approved and I will receive my loan on XX/XX/2023 after signing the loan offer with her on the phone. She had me share my screen and guide me through the final steps to sign the loan but for some reason at some point after clicking verify with my phone number that I didnt have on my account at the time she told me she couldnt verify me and I will have to come in the office which is located on XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NY XXXX. I informed XXXX I will come because she advised me if I dont come my application will be close on XX/XX/2023 ( which is less than the 25 day period ). The reason for coming into the office is because when I clicked on verify with phone number I didnt have a phone number on file but it gave me another option which was to answer my or some security questions which I never got to answer because once I clicked on security question it brought me back to the main page and thats when XXXX XXXX me we can not verify you online/phone ( awkward ). Furthermore, I asked to speak to her branch manager whos name is XXXX and she asked me why. When I finally got to speak to XXXX he told me the same thing, that I will have to come into the office not taking into consideration the distance and my Job. Moving forward, I asked XXXX if there is a customer service number because I believed it wasnt fair to have to travel far to sign a paper and have my application close before the 25 day period if I didnt make it on the only day the offered me to come in office. XXXX ( the branch manager of XXXX XXXX ) gave me a customer service number which happened to be XXXX and when spoke to central they informed me they can transfer the loan from the branch to central so I wont have to come into the office. I told them thats a great but then the representative informed me he will call the branch and inform them but then had me on hold for more than XXXX mins and eventually dropping the call. I called back the same moment the call dropped and had another representative assist me in which she was able to assist further. The representative informed me she is not sure why the branch mislead me to thinking I had to come in the office when they couldve asked the security questions over the phone. The representative also informed me they mislead me to think my application will close on XX/XX/2023 if I didnt show up to the appointment because I had a couple more days after which wouldve completed the 25 days. Moving forward, the representative asked me the security questions which were extremely easy and told me I do not have to show up to the appointment which was scheduled for XX/XX/2023 at XXXX and she will send me a text message to confirm everything we went over. I never received that message. The representative from central informed me that since all my documents were submitted and I was approved I was good to go because all I needed to do was to verify and sign the loan. The security questions she asked were extremely easy and no way for me to fail this verification process. On XX/XX/2023 since I did not receive a text message with an update I called before my scheduled appointment time to see the update and another representative who answered informed me my application was closed. I was confused. The representative did not tell me why so I insisted to speak to a supervisor from Central in which she took my complaint but when I asked her to review what we went over the Supervisor told me all she wrote on the complaint was I was unsatisfied with the services not taking into consideration about everything I said and am writing on this complaint. The complaint number she gave me is # XXXX. I have no idea how the process went from me being approved and supposedly getting the load on XX/XX/2023, to having to come into the office, to finding out I can verify with central and then to having my application closed in less than 25 days. Once again the security questions the Central representative asked were not outside of this world or anything I wasnt able to answer. I remember all the security questions she asked. The supervisors name at central was XXXX. Please keep in mind, I already have a loan with this company that I took out a couple months ago, this is why all of this is confusing as well.
|
| 11/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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This complaint is with regard to the Notice of Dispute from on or about XX/XX/XXXX of this year, which your organization failed to respond to and is in default of. I'm writing on my own behalf, without help from another and authorize ONEMAIN to update the record and compensate me for damages. All must have equal access to the law. The code and regulations referred to are open to the general public at large. I am aware that my consumer rights have been violated.
From the start of the supposed business agreement, purported to be a contract, ONEMAIN FINANCIAL has engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer.
Every credit sale after XX/XX/1977 is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with ONEMAIN FINANCIAL is no exception.
Per the definitions in 16 CFR 433.1, ONEMAIN FINANCIAL is subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in XXXX U.S. Code 1632.
ONEMAIN has kept multiple negotiable instruments specially indorsed without recourse and issued no formal notice of dishonor, discharging any alleged obligation per UCC 3-415- Obligation of an indorser.
Evidenced by the Promissory Note, my obligation was fulfilled upon signing/indorsing the instrument, the beneficial and security interest of which were not disclosed to me. As defined in 16 CFR 433.1 ( i ), the instrument I indorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration - all contracts must have consideration to be valid.
2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z.
3. Absence of disclosure of data-sharing provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting.
4. Monetization of promissory note disclosure was denied to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper.
5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me.
6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement.
7. Withholding the meaningful disclosure of the determination of the finance charge, in violation of 15 USC 1605, by willfull noncompliance with form of disclosure dictated in the law ONEMAIN must know and adhere to : 15 U.S. Code 1632.
I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge due to my right of rescission never being simply and clearly disclosed to me per 15 U.S. Code 1635. I was never given a rescission form at the closing of the contract.
I have reason to believe and do so believe that ONEMAIN FINANCIAL is a debt collector engaged in communication in violation of multiple cease and desist notices from me, and is in violation of 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ).
As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to ONEMAIN FINANCIAL to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large.
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| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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On XX/XX/2021, I inquired about a personal loan from one main. I was original told that it would be a soft pull on my credit report. So, she had me and my husband unlocked our XXXX credit report. They the representative said that claimed she tried to process my application but was unable to process it because my report keeps showing that it was locked. However, I got 3 alerts stated that they did 3 hard inquiries on my account. The representative replied its not her because on her end its saying my account is frozen ( even thou me and my husband were receiving these alert at the same time ) and that if I wanted to attempt to apply in a few days I could. I called back the next day to try to speak to another representative and explain the situation he looked into the application and said it was not processed because my credit report was frozen and that he only sees that soft pulls were done on my husband. if I still wanted to complete the application he would have to transfer me to their fraud department and the fraud department would transfer me back to him once I was done. Once he transferred me the representative said he was incorrect that she does she the 3 hard inquiries to both mine and my husband account and that they don't just remove them. It's a process that takes months. I would have to contact XXXX explain to them the situation. Then XXXX would contact that them to get the information at that point she could them remove it but all of this has to be done in writing. I just called XXXX and they transferred me to their fraud department were they told me to contact the creditor. I explained that I already did that and they to me to contact XXXX. The representative at XXXX then told me they can remove it because its not related to identity thief. I stated to him although its not identity thief it was an unauthorize hard inquiry that was on my report let alone 3 and legally according to the FCRA if it is unverified and unauthorized it must be removed. As the consumer I have the right to dispute it and have it investigated. I shouldn't have to kept going back and forth between XXXX and One Main both saying not me its them, to get this removed. I requested to speak to a supervisor and was told none are available and someone would call me back.
Also, XXXX deny the removal of 2 XXXX XXXX ( XXXX ) inquiries on my report. I applied for a business card with XXXX which my social security number was request for identification purposes. The site started buffering and then the application was processed and approved. That night I got not one but 2 alerts that XXXX did a hard pull on my account. The next morning I contacted XXXX to complain the representative stated my applications wasn't processed because I had a credit lock on my account I told her it was processed and I was approved she stated that I had 2 applications being processed one business one personal. I explained I didn't apply for any personal XXXX credit card. She insisted that there was one. I said it should not be that I only applied for the business card and that the only thing I could think of was when it buffered and she still wanted to tell me about a personal card. I then said look I don't want any personal cc from them I only applied for the business cc. She then said okay do i want to cancel it i said i didn't apply for it so yes please cancel it. She then insisted that the business application wasn't processed and she complete it when do i want my card i can get it express tomorrow for free. I explained it would was completed and that i received an email saying my card would be here in 7-10 days. She said since its in process she couldn't change the delivery ( if it wasn't completed as she said why would she say she couldn't change the delivery ). Long story short, that night i got another alert from XXXX that XXXX did another hard inquiry on my account. I mention this to XXXX Representative and he said its not due to identity thief and so it could not be removed. I said I didn't authorize a inquiry into my personal credit only gave my social security number for identification purposes and i definitely didn't authorize for them to hit my account 3 times in 2 days. I'll accept 1 hit because it was approved even though it was supposed to be for identification purposes. But I can not accept 3 inquiries for one application. He said he wouldn't remove it because it wasn't due to identity thief but it was still unauthorized. They didn't use my social for the purpose the asked for it and ran my credit.
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| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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I am writing concerning a company that I truly feel is a predatory lending. They are deceptive and lead you into thinking they are trying to help you. I am speaking of One Main XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Alabama XXXX.
I had been going through a lot financially having my nephew XXXX and brother passing they both had no insurance, and my sister who was the mother of my nephew lost her job, she was living with me, and I had an elderly mother. Prior to my brother and nephew passing, my brother had some serious XXXX medical conditions which required me to assist with his care.
I say all of that to say this OneMain knew my situation, the guy who I spoke with initially was a gentleman. I had no reason to not think they were there to help me. They told me they could give me XXXX, I was like great can pay some stuff off, then it became put up your title, I had a XXXX with a very low balance with XXXX XXXX. I said I really didnt want to do it that because it will be paid off soon. Ok, this guy said you will get the XXXX, XXXX and your payment would be like XXXX a month, that is an estimate cant remember the exact amount. Well came signing day for this amount got a call now the amount is down to I think XXXX I go to the office they have me sign some paper they read the papers and then the show me where to sign.
They did pay off the car had held the title. I made start making payments, if I called in the payments, you would get do you need some more money. I thought how that can be, so that went on for a few weeks/months. Then on a Saturday I spoke with a XXXX she said XXXX XXXX you need some more money I can get you XXXX, I said it will change my payments not that much. I said OK, mind you she knows my story as well. I get a XXXX not the XXXX. Time goes on and then I am on the phone with the first gentlemen I spoke with he says you can get XXXX. I said I dont want to do that will increase my payments, well I was told we have options if you need it, the money is here. I get the XXXX payment goes to over XXXX a month. I am having difficulty paying and they do a few deferral payments.
I then start falling behind. This company would call me over 10 times a day. XXXX XXXX XXXX called my job and told them she was my friend to call her. My coworker from another department contacts me via instant messaging and gives me the number. I called her and asked did she call and say she was my friend and she said yes, I did. I told her about my issues, and I think she did another deferral.
I explained that eventually I would need another car the XXXX was running but not in the best shape. This is prior to the XXXX. I was told by XXXX dont worry about it just trade it in and we will refinance the rest. I am like ok great which meant a lower payment to them, and reliable transportation for me. Well, a few months later I tried doing just that went to dealer, they offered XXXX I call OneMain, get XXXX told her the conversation I had and she OH we dont do that, I said that is not what I was told, they all had amnesia. I said I know what I was told, I do a trade in you would refinance the balance. Their response sorry we dont do that you would have to pay off your loan in full. I was told I would be sued if I did not pay the balance in full and my wages garnished. The calls became unbearable sometimes 8-9 times a day into the night. I called back and got XXXX at a later date, and she said let me call you back, she then calls me from her cell phone, I did not recognize the number, so I answered, and it was her. She proceeds to tell me this happens all the time, there are people that get loans and never make any payments at all, at least you are trying. She stated that white people do it all the time. She then stated that she could not talk on the work phone because it was recorded, hence the fact of me getting several calls from cell phone numbers.
I do not know if anything can be done, but I feel like I was taken advantage of lied to regarding my options, then threaten with being sued. They received over XXXX for the XXXX and still say I owe them over XXXX that is over double what I got in cash. Not only did they do this to me, but they are also doing my friend the same way.
I am requesting an investigation if there are grounds for one, if not then I want this put on their record as a complaint. I know what I was told regarding my options if I had not then I would not have taken the route I did with them. They need to be held accountable for misleading consumers.
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| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/2023, I received outstanding approval odds from XXXX XXXX for One Main Financial. I just so happened to be in the market for a travel trailer. I submitted a loan application for my husband and myself. We were approved for $ XXXX the loan application, I chose XXXX XXXX for the reason for the loan. We submitted this application at XXXX XXXX CST. We received a few emails regarding documentation. I submitted everything they needed. I even set up our bank account to link to them, as they said they needed that to see our financial picture.
We never heard back from anyone. My husband called the branch in XXXX XXXX at XXXX XXXX CST and was told by the lady that the one working on our loan was on a break and she will call him back. She never called back. We called again at XXXX XXXX CST and was told again that they were busy. They only had two in the office due to an emergency and put him on hold. He waited on hold for 15 minutes. I hung up the phone and called back and received no answer.
On XX/XX/2023, my husband and I expected to hear something from the branch once they opened up at XXXX XXXX CST. We never heard anything. My husband called the branch again at XXXX XXXX CST. The manager XXXX at that point told him we were approved for {$1500.00}. He said he was inquiring about the loan for the auto purchase, that is what we applied for and were told we were approved for. She told him we were approved for a secured loan of {$13000.00} but they do not do auto purchases. I was confused because I applied for an auto purchase loan. I called the branch and asked for the corporate office or supervisor numbers. The girl asked if I wanted to speak to XXXX the manager, I said no, I just need a number to your corporate office or supervisor. She placed me on hold and XXXX came to the phone and asked what I needed. I explained again for the third time, that I needed the supervisor or corporate office 's number. She told me she could give me the corporate office number but not her supervisor. She asked why I needed the information and I explained to her how I applied for an auto purchase loan. She said they do not do that. I tried to explain to her that it was an option when I applied for the loan. She told me, it was not. I once again told her, yes it was. She then told me, that One Main has the right to know what the money is used for. I was confused by that statement, because I when I chose auto purchase, I figured that my intent was obvious. I then explained to her that this was extremely misleading and that if she would have told us that yesterday, we would have gone elsewhere and applied for an auto purchase loan. However, since we did apply for an auto purchase loan here, and then were given the run around for two days, the urgency of this travel trailer I was trying to purchase had gone by the wayside. I could see I would get nowhere with this woman and asked again for the phone number. She put me on hold once again and gave me XXXX. I also asked her to have her supervisor call me back since she wouldn't give the phone number.
I called the number she gave me and it asked for an account number 7 times before asking for a zip code to even get to the point of even speaking to someone. Then once I put the zip code in, it said a 24-minute wait. I thought this can't be right. It seemed I was calling a call center. I hung up and XXXX the corporate office of One Main. At the time, it listed a number to call for complaints. That number was XXXX. Completely different than the number given to me by the branch manager XXXX. I had to leave a message, I left a clear message regarding my call. I have not heard back from anyone.
My husband had to reach out to the man selling the travel trailer and apologize for this run around we had to give him due to us trying to communicate with this company in regards to a loan they said we were approved for the previous morning.
This seems to be a deceptive practice. Bait and switch. They baited me into applying for a loan that they had no intention of giving me. I can't begin to tell you the anguish this has brought on to our family. Please help us in regard to these unfair and abusive practices which go far beyond the extremely poor customer service we received.
I believe if you don't get involved they won't do anything about this and they will continue to mislead others. Thank you.
XXXX XXXX
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| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I want to make an official documentation before my intent to sue on the basis TILA & FCRA violations and Defamation. I have sent several letters to this company. My first letter explains to them that I was insolvent, and I was not in position financially to continue to make payments. I bring only {$1500.00} a month and I suffer from XXXX which this company had triggered with their phone calls and trying to negotiate a lower payment with an insolvent individual which is bring stress on me. Which I am not in the position to pay anything or anyone. My next letter sent was explaining why I didnt received protection in the first place with a premium insurance protection which I found it was a violation by THEM and is mandate on the lender under TILA requirements. Per USC 1605 ( a ) ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. When these violations were noted, I am within my right to rescind my contract and seek damages if possible. 15 U.S. Code 1635 - Right of rescission as to certain transactions ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
( f ) TIME LIMIT FOR EXERCISE OF RIGHT An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first, notwithstanding the fact that the information and forms required under this section or any other disclosures required under this part have not been delivered to the obligor, except that if ( 1 ) any agency empowered to enforce the provisions of this subchapter institutes a proceeding to enforce the provisions of this section within three years after the date of consummation of the transaction, ( 2 ) such agency finds a violation of this section, and ( 3 ) the obligors right to rescind is based in whole or in part on any matter involved in such proceeding, then the obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the earlier sale of the property, or upon the expiration of one year following the conclusion of the proceeding, or any judicial review or period for judicial review thereof, whichever is later.
The lender provided no disclosures for opting in or out for premium insurance or provided any disclosures on my rights to rescind on my contract that was witness and signed by me and/or their agent. Ensuring that I was properly protected on my rights and responsibility and vice versa. Providing printed documents without initials and/or signatures does constitute those individuals was properly educated on their disclosures. My rights under 15 U.S. Code 1691 is definitely being violate. I notify this lender in XX/XX/2022 and the account remain open, they are being deliberate in allowing the account to go into negative reporting status, the account remain in open status and knowing their practice they will discharge the account after so many months and note closed by creditor which is damaging my credit.
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| 08/30/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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In XX/XX/XXXX, I opened an account with One Main Financial. I made payments through electronic means to them on : XX/XX/XXXX for {$180.00}.
XX/XX/XXXX for {$180.00}.
XX/XX/XXXX for {$180.00}.
XX/XX/XXXX for {$280.00}.
For the remainder of the year, payments were made in office. I was late on one or more month and had to make payments to make up for those months. Last I remember is paying in office around XXXX or XX/XX/XXXX for at least two payments in one. This was in their new office after moving from one plaza to another plaza down on XXXX XXXX in XXXX, GA. According to an XX/XX/XXXX credit report obtained XX/XX/XXXX from XXXX XXXX, One Main Financial reported on time payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX though they did not report the amounts paid as listed above from XX/XX/XXXX to XX/XX/XXXX with the exception of XX/XX/XXXX. On XXXX obtained XX/XX/XXXX, One Main Financial reported conflicted information and reported that I was 60 days late in XX/XX/XXXX ( even though I had to their new office at least twice to make payments on the account during XXXX and/or XX/XX/XXXX )..
Due to a divorce, I was not able to make payments again on the account until XX/XX/XXXX, after I received my divorce settlement. I was told the account was in collections or about to head to collections and I paid the amount of {$1200.00} to bring the account current and then made online payments on the following dates : XX/XX/XXXX for {$160.00}.
XX/XX/XXXX another payment for {$160.00}.
XX/XX/XXXX for {$160.00}.
My account was showing that I owed about {$3500.00}. Even after the payments I made in XXXX of which were at minimum {$820.00} and not inclusive of the payments of cash I made in person at One Main Financial 's office on XXXX XXXX in XXXX, Ga. The same payments that One Main Financial can not decide if I made or not based on their credit reporting to different agencies and having at least three years to resolve after I've disputed their reporting to the credit agencies. I only remember the last visit I made in office due to the loan officer recommending a certain amount of payment to prevent additional interest charges being made to my account.
This is also in additional to the {$1700.00} that I paid in XXXX. I called for help only to be hung on and yelled at by agents who refused to tell me why my account balance was only brought down from {$4000.00} except that it was an unspecified amount of late charges ( they are now reporting the amount was about {$4300.00} ) to about {$3500.00}. I received no statement explaining the claimed late charges and how it affected my account and my payments were not even putting in a small dent into reducing the balance.
I still do not understand what those alleged late charges were or how much they were even though I asked multiple times for an explanation only to be yelled at and hung up on after asking for a statement and explanation of said charges. Even after disputing the information reported and even after One Main Financial seems to have reported different information to different credit agencies of amounts I've paid out to them. Example is reporting on XXXX that I did not make some payments that I did in fact make in XXXX while reporting almost no late payments in XXXX before charging off in XXXX while reporting those payments to XXXX for XXXX but also reporting a 60 day late payment status for XXXX even though I made those payments in XXXX.
I also do not understand how after paying about {$3200.00} on my loan with One Main Financial why my account balance was still at about {$3500.00}. This is especially true considering that One Main Financial offered for me to pay about {$2500.00} which was the remainder of the account around XX/XX/XXXX to close the account out with them.
I am tired of fighting with this company to do the right thing and report the correct information and to stop being a contributor to negative impacts on my credit score and reports. I have no wish to speak with anyone from the company after the appalling way I was treated by their agents just for trying to get statements in writing of late charges they claim were made to my account but never appeared on my statements and/or for asking why my account balance was not coming down even after all the payments I had made on my account.
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| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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One Main is violating my rights as a consumer. I am putting the company on notice, giving them a chance to cure or be faced with civil liabilities. Let me list the violations.
I want account XXXX deleted from my consumer report for violations of federal law.
Loan balance XXXX XXXX Main is violating law 15usc 1681a ( d ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit credit which is a social security card that is used under Truth and Lending is defined as a Credit Card.
15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
The law clearly states any authorization or approval of a specific extension of credit as a result of a credit card device ( social security card ) is excluded from a consumer report.
Another violation is under the Gramm-Leach-Bliley Act. Discloses are to be given to the consumer which I never have been given by One Main and all conditions have to be met in order for One Main to disclose my non public personal information to non affiliated third parties ( consumer reporting agencys ). I want the company to prove all conditions were met by being producing these disclosers.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
In addition the Federal Trade Commission states on their government website that these discourses are to be given to the customer yearly. There are multiple accounts being reported by One Main and I have yet to receive any disclosures pertaining to accounts being reported. The Federal Trade Commission states without proper consent according to the law it is fraud or identity theft under 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.
Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation.
I will be submitting a complaint to the FTC against One Main for non compliance.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
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| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. OneMain Financial can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. In OneMain Financial terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of OneMain Financial and they are not Bureaus. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in FEDERAL LAW. OneMain Financial must refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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In Referce to Complaint XXXX XXXX XXXX This is in response to XXXX And Onemain and XXXX I have disputed this information you have place on my credit report and again its wrong.. If your investigation is as fast as you responded to the letter I wrote the CFPB I see why its always wrong nowYou have failed to investigate even failed to place a notice of dispute on my credit report. The Fair Credit Reporting Act was placed for the reason of unfair erroneous practices and reporting. You dont realize or dont care how much of an impact you have put myself my family even employment at risk. Im XXXX yrd old almost XXXX and I have to be placed as authorized users on credit cards just so I can even have a chance of having some what of a credit profile. WHEN in fact I had good credit this whole time.. You have put me and my husband in a bind financially and mental exhausted us. I have sent you ( XXXX ) an FTC report for fraudulent accounts and inquires and unauthorized transactions and you have ignored everything I have sent to you. Even after the FTC report Im still getting letters of collections ( WILL BE ENCLOSED IN LETTER ) .So im enclosing this information to you. I wrote on credit report as I did before. I want you to see how can you do a loan modification, or a loan refinance and have inaccurate information that is conflicting with other accounts. I have been with OneMain since XXXX untill XXXX and I cant go anywhere to get a loan because you and these credit bureaus XXXX, XXXX, XXXX and the furnisher Onemain have continued to ignore the obvious. The furnisher doesnt know the information. You deleted accounts you changed dates, You have done everything and cant get it right. So once again I want all My OneMain accounts perfect 100 % payment history and I hope this letter in the evidence that I send will show how these creditors and the Credit Bureaus dont verify dont investigate or reinvestigate nothing I will in fact will sent this letter to the FTC and CFPB and my Kentucky Attorney General Office and any other government agency to so show them. I believe they reported information to keep me in a world of high interest and long time reporting of wrong information for profit and gain. They knew by reporting wrong information they would make me have no choice but to do business with them because noone would give or lend me any credit because of credit history they provided that was false and not accurate and unverifiable. XXXX And ONEMAIN FINANCIAL is in clear VIOLATION of my rights. If you look at there response to me through the CFPB portal, XXXX responded faster than the Original Creditor and XXXX XXXX instead of deflecting what you have done you should take what you have been giving me and my family for years its called acceptance. So tell me? What does My daughter trying to XXXX XXXX because I cant put her to XXXX, My husband having to used up all his credit to carry this family on his back. Hard times during a freaking pandemic. Interest on top of Interest that I and my husband didnt deserve. HUMILIATION DEFIENTATION OF CHARACTER, EMPLOYMENT CHANCES, HIGH INSURANCE and not able to get a home. Like I said when I wrote the complaint you have no idea what XXXX and Onemain and the Credit Bureaus have done to me and my family. I hope the Agencies I have named will hold you accountable. Thats what this is about you hold consumers accountable, but when the shoes on the other foot you want to act like you have done everything your suppose to do. Well you havent and I will go to Federal or State Court to receive what I feel is owed to me and the hardship you have done to me and my family. Enclosed are documents with notes so you can understand how your reporting is haunted me for years. Also enclosed with permission of my husband is his credit profile. You can see where my husband has my car, his car, my daughter car and her education all on his back. Once again I ask the you 100 % payments And my accounts that you deleted trying to hide evidence back on my credit report with 100 % payments. Now like I said before I hope the Agencies hold you to the highest part of the law. And I hope I can get my life as well as my husband life back and have a home and live a life I deserve.
ALSO Notice FTC report Still no dispute labled!!!!!
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| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
Servicemember |
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Negligence practices of The Fair Debt Collection Practices Act ( FDCPA ) The Fair Credit Reporting Act New Jerseys Unfair and Deceptive Acts and Practices laws, ie. XXXX New Jersey Code TITLE 17 - CORPORATIONS AND INSTITUTIONS FOR FINANCE AND INSURANCE XXXX XXXX - Unfair methods of competition, unfair, deceptive acts, practices, OneMain Financial : XX/XX/XXXX, balance was {$9400.00} with a $ XXXX payment. By XX/XX/XXXX, I paid {$1500.00} towards my balance. No payments missed.
According to my calculations, the balance should be near {$7900.00}, based on the agreed amount of {$300.00}.
XX/XX/XXXX, I experienced identity theft, which resulted in ( 2 ) Inaccurate Hard credit inquiries from OneMain. ( XX/XX/XXXX, XX/XX/XXXX ).
Impacted by COVID personally from XX/XX/XXXX to XX/XX/XXXX, I tried working with OneMain on the accurate reporting, while trying to rebuild my delicate health. The added stressed cause more harm to my body. On top, I experienced harassment with the form of communication OneMain used to properly confirm the remaining debt. With no clear choice, sought an third party ( XXXX ) resource to purchase my debt and schedule a new repayment.
As per multiple phone calls In XXXX, XXXX ( last call XX/XX/XXXX ) to rectify debt to OneMain, the account charged off XX/XX/XXXX.
No adherence to US CARES ACT made towards the account.
XX/XX/XXXX, XXXX became third party on the loan in the effort of settling debt while rebuilding negative credit history and consumer services from OneMain.
The new agreement mentioned a loan balance of {$9400.00}. As reported on signed documents, credit reports and other auxiliary information.
Request to validate the debt. Remove negative/inaccurate reporting ( hard credit inquiries, incorrect account information ).
Illegal to harass consumers with incorrect reporting as per Debt Collection Practices ( Regulation F ) Next, XXXX agreed to $ XXXX towards my balance. Not a strong difference in savings but it wasnt OneMain Financial with the goal of showing positive payment history with no interest applied.
As of XX/XX/XXXX, I have not missed a payment yet my loan balance is incorrect on all Credit bureaus, If calculations were to apply {$200.00} ( removing {$26.00} for any service fee ) * 12 months = {$2400.00}.
During a global pandemic, OneMain failed to protect their consumer.
XXXX : According to the Consumer Financial Protection Bureau : The Federal Trade Commission has adopted a rule that says you can't be charged a fee until the debt settlement company has met three requirements : A successful result must be reached. The debt settlement company must have renegotiated, settled, reduced or otherwise changed the terms of at least one of your debts.
There must be an agreement between you and the creditor/debt collector. You must agree to the settlement agreement, debt management plan, or other result reached by the debt settlement company with your creditor or debt collector.
You must have made a payment to the creditor. You must have made at least one payment to the creditor or debt collector as a result of the agreement negotiated by the debt settlement company.
Many creditors will not negotiate with debt settlement companies. Also, many creditors and debt collectors will not negotiate how much they will settle for. Instead, they will have standard policies about how much loan principal they will forgive when you haven't made payments for a certain period of time. This means debt settlement companies usually can't get better terms than you could get by negotiating with your creditors and collectors yourself.
Based upon the regulation guidelines, no terms settled for in charge off, OneMain would have worked the same offer! Provided direct automatic payment to XXXX to ensure accuracy, yet the bottom line was not met.
Please note, this inappropriate business practices has denied access to property financial management, increased burdens and limited available resources.
Warm regards, XXXX
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| 01/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
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XXXX XXXX One Main Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX Certified mail receipt # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT One Main Financial you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Duty- a moral or legal obligation ; responsibility Accurate-correct in all details, exact.
Prohibition- a law or regulation forbidding something As Defined by the IRS XXXX if you didnt receive a XXXX, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge off as gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By Definition the IRS XXXX says a Cancelled debt or charge off is Income. The reporting of this account as a debt is inaccurate.
15 USC 1681s-2 says you One Main Financial are a furnisher of information to a consumer reporting agency.
You Are PROHIBITED BY LAW to furnish inaccurate information. I demand you Cease and Desist the reporting of incorrect/ inaccurate information immediately.
15 USC 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file XXXX and send a copy if the amount of debt cancel is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency or other applicable entity.
Above the paragraph is taken directly from the IRS 2022 publication. SEND ME MY FORM XXXX that you should have sent when you filed the account as a cancelled debt.
My address is listed below!
15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681s-2 of your responsibilities as a furnisher of the information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account form my Consumer report.
YOU HAVE 1O Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
XXXX XXXX
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| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I started disputing information on my consumer report back in XX/XX/XXXX with all 3 of the consumer reporting agencies ( XXXX, XXXX, and XXXX ) According to The Fair Debt Collection Practices Act 15 USC 1692g I have the rights to request Validation of debt. Neither agencies responded to any of my requests just updates on my report. At the time I had little to no knowledge of consumer law. I recently mailed out letters to all the furnisher on my consumers report and disputing inaccurate and incorrect information in XXXX of XXXX. NO RESPONSE from any of them just updates to my reports. its been well over 2 months which put them in violation of consumers law. no only that they are reporting closed and charge off accounts.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Your company are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
DUTY : a moral or legal obligation ; a responsibility : ACCURATE : correct in all details ; exact : PROHIBITION : a law or regulation forbidding something : As Defined By The IRS ; you must report canceled debt as gross income on your tax return.
The IRS clearly defines a CANCELED or CHARGE OFF DEBT as Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which infact makes your reporting of this account inaccurate 15 USC 1681 s-2 Says ( XXXX XXXX ) are a furnisher of information to a consumer reporting agency.
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect / inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that your are furnishing incorrect and inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial in stitution, credit union XXXX federal government agency, or other applicable entity. as discussed earlier in XXXX XXXX.
The above paragraph is taken directly fromthe IRS XXXX Publication.
SEND ME MY FORM 1099-C that you should have sent me when you filed the account as a canceled debt. My Email is below.
15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you that you have infact been reporting inaccurate information.
The continued reporting of this information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities of a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting.
This is a final opportunity to cure and DELETE this erroneous inaccurate account from My Consumer Reports.
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| 05/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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We applied for a personal Loan at One Main Financial at XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. When we first sat down with the loan officer, she asked what we needed the loan for and we answered by renovating our kitchen. We carried on some small talk and got down to business.
I began by asking some questions. I asked if there was a loan origination fee. She answered no. I asked if there was an early payoff penalty or fee. She answered No. When looking at my husbands credit score she remarked that it was quite high, she wasnt used to seeing such a high credit score. I continued asking questions as we continued the process. When it came time to complete the paperwork, I handed her my drivers license and she remarked that I will just put this in your husbands name. No sense in complicating things.
When it came time to sign for the loan, she handed my husband an IPad with the loan information. He said, it went from place to sign to the next place to sign. He wasnt able to read the paperwork. He turns XXXX in XXXX and I think he had difficulty with the small font. We are used to signing loan documents on paper.
We received our first payment notice. It was considerably higher than the agreed upon payment. My husband called and was told that the increase in payment was due to accrued interest from the time we signed for the loan and the time of the first payment. We were asked when we wanted to make the first payment so we chose a date. Never in our life, in all of the loans that we have signed for, have we had to pay interest from the signing of the loan to the first payment. The loan officer did not tell us about it and I had never heard of it so I didnt ask about it. ( When my husband called to ask about it, her response was that It was in the contract on the IPad. ) My husband usually opens the bills so I have not had an opportunity to look at any statements until the third statement that we received. I noticed we owed more than we had borrowed. I called and was told that it was a loan origination fee. ( The Loan officer had lied to me. ) It has become obvious to me why the loan XXXX did not want me to sign. I was asking questions. My husband is almost XXXX and can get confused. He was quiet and asked nothing. He was an easy mark. I realize that more than likely this borders on the line of legality especially since it is our word against the loan officer that she lied to us. The printer was down so she couldnt give us a copy of the contract. She never said she would mail it to us. We never got a copy of the paperwork.
We took out a personal loan at XXXX for the remaining amount of money we needed for our kitchen. There was no origination fee, and no charge or interest before our first payment, and I can believe the loan officer at XXXX that there will be no early pay off penalty. We plan to pay off both loans in the beginning of XXXX when we are able to liquidate some funds. I will be very angry if we have to pay an early payoff penalty.
We were lied to by the loan officer. She told me that there was no origination fee. She never mentioned that we would have to pay interest between when we signed for the loan and our first payment. She targeted my husband as the person to borrow the money not both of us. We have always had joint financial obligations. To me this is slimy business operating procedures. If there is smoke there is fire and there is plenty of smoke in our dealing with XXXX XXXX. Illegal? I dont know. Unethical targeting seniors possibly, but the entire transaction gives me a bad taste in my mouth. Despite obscene interest rates, they also prey on the poor, uneducated or those struggling financially that have no place to go. The is a major difference in policies and procedures of an A rated bank or lending institution and OneMain financial. One is professional, forthcoming, honest, trustworthy and the other reeks of alley way, and backroom dealing.
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| 10/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
Servicemember |
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* XX/XX/XXXX : Applied for a Personal Loan but was denied. A hard Credit Check was completed with a Credit Score of XXXX Reason Given : My leave of absence from my current employer XXXX XXXX XXXX XXXX ) did not constitute employment, I can re-apply when I return to work. I returned to work ( XXXX XXXX XXXX XXXX in XX/XX/XXXX, but did not re-apply.
* XX/XX/XXXX : Applied for a Personal Loan, Loan Approved. But no hard Credit Check was completed with a Credit Score of XXXX Months later I came to find out that OneMain Financial ran a Soft Credit Check in XXXX of XXXX and compared it with XX/XX/XXXX Credit Score. When writing my contract they utilized the lower Credit Score from XX/XX/XXXX to charge more interest on my Loan. No Hard Hit ever showed on my Credit Report from OneMain in XXXX through XX/XX/XXXX, or anytime in XXXX as it did back in XX/XX/XXXX.
* XX/XX/XXXX : I lost my job, and had to file a claim with XXXX XXXX XXXX XXXX XXXX XXXX ). When I started my claim I was ahead in payments and continued to pay my OneMain Bill until the Claim was approved on XX/XX/XXXX. By the time the claim was approved, I was ahead in payments by approx. {$160.00}, which my bill statements would state I owed approx. {$130.00} for next month 's bill. This stayed consistent from XXXX through XX/XX/XXXX, while unemployed.
XX/XX/XXXX : A final prorated payment of {$190.00} was approved for dates covering XX/XX/XXXX - XXXX XXXX.
Logged into OneMain Financial Profile : XX/XX/XXXX : Profile Stated I Owed {$130.00} for XX/XX/XXXX Payment XX/XX/XXXX : Profile Stated I Owed {$130.00} for XX/XX/XXXX Payment XX/XX/XXXX : Profile Stated I Owed {$220.00} for XX/XX/XXXX Payment Profile is missing the XXXX Approved Payment of {$290.00}, which covers dates of XX/XX/XXXX - XX/XX/XXXX Profile shows no payment for XX/XX/XXXX.
When I contacted OneMain Financial, they told me to contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). When I contacted XXXX XXXX XXXX XXXXXXXX ), they stated they made the payments so there is nothing they can do. I escalated the issue to the Executives Office and requested information in writing and for them to respond in email format, but they refused to email me any of the documentation I requested or respond in email format.
The written request was made because every time I spoke with a different representative, both OneMain Financial and XXXX XXXX representatives kept giving me different reasons for the missing payments and would hang up on the call. Every time I get on the phone with a representative I request the information in writing and the representatives give me a run-around.
XX/XX/XXXX : I was told to go into a store location. When I went into the store, the Branch Manager started discussing my account information in from of others ( employees and other customers ) even though I asked her, would it be better for me to go to your desk than we shout across the office? XXXX XXXX ( Branch Manager ) stated, " customers are not allowed to her desk. Then proceed to tell me, in front of everyone, that she can not review my account because it is in Collections. When I asked how is it in collections when I am paid ahead, she said referred me to the number she provided. XXXX XXXX was reported to OneMain Executive Office for violating my privacy, character XXXX ( proclaiming my account is in collections in from of her other customers and staff, when it was not ), and the entire situation was an embarrassment to me, because I have a 100 % pay my bills On-Time with the Credit Bureau .
Now that I have refused to make any other payment until they find the missing payment, I am getting harassed with calls that I owe this payment. But OneMain 's Executive Office refuses to send me the information in written format or respond to me in email format.
XXXX XXXX XXXX Acct : XXXX Claim : XXXX
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| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and other relevant statutory and regulatory provisions, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and OneMain Financial.
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), there exists a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, and XXXX, as consumer reporting agencies, are subject to these responsibilities, and I am the consumer in question. As the consumer, I have the right to ensure that my private information is not shared, as reinforced by 15 USC 6801, which explicitly states that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. OneMain Financial, as a financial institution by definition under this title, is also bound by this obligation.
Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' It is essential to note that neither OneMain Financial nor the consumer reporting agencies XXXX, XXXX, and XXXX have my consent to furnish this information, and they certainly do not possess my written consent. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, XXXX, XXXX, and OneMain Financial.
Moreover, 15 USC 6802 ( b ) ( c ) stipulates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' OneMain Financial never informed me of my right to exercise my nondisclosure option.
Additionally, 15 USC 1681c ( a ) ( 5 ) clearly states that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The account in question includes adverse items being reported without my permission, which is a clear violation of the law.
Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) specifies that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' In addition, 15 U.S. Code 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' It is evident that XXXX, XXXX, and XXXX are not maintaining reasonable procedures.
Furthermore, XXXX CFR XXXX clearly states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of these reporting ( alleged ) services immediately.
In light of the aforementioned violations of the FCRA, I request that the CFPB investigate this matter thoroughly and take appropriate action to rectify these violations. Any account information you require, such as account start date or account #, I am happy to provide. I look forward to a prompt resolution of this issue and request that you keep me informed of the progress of your investigation.
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| 03/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I spoke to a loan agent 2 days ago that assured me that she would have someone from the " customer satisfaction, '' department contactme regarding the misleading application process for this loan. As I did not appreciate this personal loan request being processed as a loan to refinance my vehicle when I was not even being notified that it was a loan against the vehicle I would be receiving. I was informed throughout the application that I needed to provide my " vehicle information, '' to " PROVE who I am. '' So I continued the application after the soft pull/prequalification and provided the information because IT MADE SENSE! I received the loan for my vehicle in person, so who better to verify my identity & history than my most recent current lender? When I spoke with the customer service representative at the " XXXX '' office I explained this over and again. NOTHING, I received in the attached emails indicated that this loan was A TITLE LOAN dependent on the ability to refinance my vehicle. I am VERY familiar with how credit works my loan is JUST hitting a one-year anniversary and less than 30 % of the loan is paid off. It WOULD NOT help back me for a loan. In other soft pull loan offers I was preparing to apply for I was asked for my " assets, '' ( i.e. savings, home, etc. ) and I was prepared to provide my RETIREMENT savings to them but I did not apply because they were offering smaller amounts then OneMain and since I was looking to only have my credit hard pulled ONCE this year I went with OneMain.
OneMain has caused me a disservice because I was not given the opportunity to make the decision fairly because NOWHERE did OneMain say or suggest that " IN ORDER TO APPROVE YOU FOR A LOAN, WE WILL PERFORM A TITLE LOAN. '' I tried explaining this was a problem to the customer service representative ( who at the time attempted to dispute what I was saying by informing me " well, you have no other assets we could put a lien against '' ) because I have a retirement savings account that could have been used on the application, and a co-signer I just wanted to try for the loan on my own account first. It was her nervous pause before stating that she could have the " customer satisfaction department, call me '' if I was " unhappy with the process '' and I asked her " to put the ticket in '' as she was hanging up the call with me mid-sentence.Needless to say there has been no call, but I did receive a " denial '' letter which also isn't true. I asked for the process to be stopped! There is a difference when reporting such things. If I did not complete the application by providing the remaining documents they wer unable to verify the ability to provide me a loan not " DENIED '' me a loan.
Therefore, I am writing OMF, XXXX who by offering them as a lender supports their practices and the FTC to have this run of my credit REMOVED IMMEDIATELY. This WAS SHADY! You all lie and further damage individuals with poor credit that are trying to DO BETTER with their lives by practicing predatory lending, by means of misleading applicants to continue with the processwithout providing what the process would entail inplain sight. WHO would believe that in any of the attached images of these emails the loan is contingent on financing my already financed vehicle?
If you bothered to OUTRIGHT say " WE CAN APPROVE YOUR TITLE LOAN, '' I would have NOT continued because I know how credit aging works as I have been working on IMPROVING the credit that continues to hold me back from being able to even rent a DECENT apartment anymore.
IT is RIDICULOUS how companies like these get away with this! ONLY THIS TIME I WILL PURSUEthis further if this hard pull remains on my credit OneMain will NOT do this to another unsuspecting hard-working American.
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| 05/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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Onemain is a predatory lender. When I first applied for the loan, the loan officer explained the contract agreement very differently from the contract I received from their Attorney on XX/XX/XXXX because they filed a judgment. On the contract 's first page, the rate is 36 %, and on the second page, it's 33.30 %. It is documennted 33.30 %. I calculated my amortization payment chart from the bank rate and just paid the monthly payment ; with the payment amount, I should only owe a little.
I did not sign or date the contract that Onemain filed with the court. You have to sign and date for the finalization of the agreement. An e-signature was not acceptable. I had to physically go into a Onemain office, meet with a loan officer, review docs, and contact and sign the contract before the loan officer. When I began to miss a payment, I was laid off from my job on XX/XX/XXXX and still tried to pay Onemain until I couldn't.
I had to get food stamps, Medicaid and almost lost my house. I also was harassed daily by the company once I missed a payment. Multiple times Onemain called in a day, every day, even after I explained and reported my financial hardship situation and Onemain representatives suggested borrowing the money and paying. The excessive amount of times, assertiveness, confidence, tone, and amount of times agents told me indicated that their agents are trained to do so.
Onemain reviewed calls for quality assurance and suggested that it was ok to do so. They've reached out to my family members. I should have got an Attorney for them, but I couldn't afford to. I was laid off on XX/XX/XXXX, and the last payment that I was able to make was on XX/XX/XXXX. I was separating from my husband at that time because he had XXXX and XXXX. He gets 100 % XXXX, and that was how I still tried to pay, and that amount of money was not enough for a family of XXXX While reviewing the contract sent to me on XX/XX/XXXX, the finance amount was {$10000.00}, and a prepaid fee of {$510.00}. But on my credit report, it is listed as a high balance of {$10000.00}. According to my credit report, the account shows the debt charged off. Oemmain wrote off the debt and reported it as a loss on XX/XX/XXXX. I started working on XX/XX/XXXX. At that time, I was playing catch up with all my bills, and the account was impossible. My credit report from then and now shows the inconsistencies of violating the fair credit reporting act. Since they continued to go back to court to garnish my wages and anything, they could do to get money. They also tried to go after my ex-husband and his sole and separate property in SC. Clearly showing only his name on the deed.
Ihave the correspondence from Onemain via email, and I can also get my phone records to verify the communication and how often agents called me and my family members. Onemain attached the unsigned contract agreement but did not provide any documentation supporting the calculated amount claimed. The amount claimed is excessively more than the original loan amount Onemain initially reported to credit reporting agencies, again reported as a wrote-off loss of a charged off account. The judgment was approved because I was never formally served. Also, the documentation provided by Onemain verifying that they formally served me ; shows a picture of my neighbor 's home, not mine. The proof of service also proves the lack of care, due diligence, and reckless practices of Onemains. Updated documents prepared and mailed to me from Oemains Attorneys show additional fees and interest charges added to the already approved judgment amount, which continues to increase.
Onemain Unfair, Deceptive, Abusive Acts and Practices need to be investigated and action taken.
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| 10/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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I had started asking XXXX back in XXXX to send me a copy of my original contract and payment history from the loan opening in XX/XX/XXXX. After reviewing my documents from their website and sent by XXXX XXXX, I know errors are causing an incorrect account balance. XXXX will tell me they will send it via email. I have yet to receive the documents. In XXXX of XXXX, I requested XXXX to cease calling my phone. I received several daily calls back-to-back and every other hour ( screenshot attached ).
Late XX/XX/XXXX, I figured out I was paying for unemployment insurance that I was ineligible for because I had used this insurance from XX/XX/XXXX through XX/XX/XXXX. I called XXXX and had this policy canceled. I received a letter saying it was canceled and I had a refund on a life insurance policy. I have not seen any documentation saying where the refund was applied, and my account still shows the insurance active.
In XX/XX/XXXX, after I returned to work, I contacted XXXX via phone to make payment arrangements to bring my account current. On XX/XX/XXXX, I received an email from XXXX ( attached ) saying I could permanently cut my monthly payments to half. I was approved for a permanent loan adjustment. On XX/XX/XXXX, I called XXXX to ask about the offer and make payment arrangements. The lady would only keep asking about my past due amount. She never said anything about the offer they had sent me. After the payment arrangements were made for my card account to be debited on XX/XX/XXXX for {$460.00} and debited again on XX/XX/XXXX for {$220.00}, I received an email on XX/XX/XXXX ( see attachment ) saying we canceled your upcoming payment. Per instructions in the cancellation email, I placed several calls to XXXX for two days, only to be on hold for so long that the phone would hang up.
On XX/XX/XXXX, the {$460.00} they canceled withdrew from my card ( see attachment ). They tried to run the other payment on XX/XX/XXXX it declined due to my activating a new card with fewer fees. Then I noticed how much money went to interest ( see attachment ). My balance is not reducing much. I started looking at the XXXX transaction record for XXXX. The transaction record showed no late fees until XX/XX/XXXX. The payment was posted, reversed, and posted again three days later but not back-dated for the XXXX. I also noticed late fees were on the months that the unemployment insurance had paid but did not until XX/XX/XXXX ( see attachment ).
I had to modify my loan agreement several times due to job loss. The interest rate was supposed to return to the original 22.74 % after the four-month payment reduction ( see attachment ). I have paid so much more than 22.74 %. Late fees were during the hardship/loan modification period. From XXXX of XXXX of XXXX, {$410.00} went to the principal balance of my loan. I have paid more than {$2600.00} in the past year. I have tried to talk to XXXX about the issues, no one seems to know what is going on. No one has reviewed my credit file to answer my questions, or came close to helping me find an option or solution. Anyone I have talked to is confused or has argued the fact or put me on hold. I told XXXX they could resume calling my phone in XX/XX/XXXX. No one from XXXX has reached out to me via phone. At this point, I am beyond frustrated and upset. Then on XX/XX/XXXX, my XXXX XXXX gets repossessed.
A collectors job is to resolve the debt. I understand that. However, they should know your situation or review the credit file and be willing to help you find options to get the issue resolved. There has not been one person doing this for me at XXXX. I have paid a lot of money to this company in four years. I never expected to be treated this way.
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| 10/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
Servicemember |
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This complaint is about Onemain Financial dishonoring a settlement and/or agreement they made with me over a debt and the fact they gave me an incomplete and incorrect amount owed on the debt before making that settlement and/ or agreement. On or about XXXX of 2017, Onemain Financial and I came to a settlement agreement to pay off a loan that I had struggled to make payments on. I was informed that the amount due at the time was a total of about {$4200.00}. After discussing with the agent the best possible way to settle the debt and help rebuild my credit score, the agent told me that the account would be settled for about {$2400.00}. The agreement was for me to pay about {$1200.00} to bring the account out of collections and to pay the rest of the amount owed on the account within the next six months. During this conversation not once did the agent mention or discuss any accrued interest they may or may not have added and/or included on the {$4200.00} amount they stated I owed. I was misled into believing that that the {$4200.00} was not only just in collections but was the total amount due before I agreed to any kind of settlement. Again, not once did Onemain Financial mention that I owed any additional accrued interest on the {$4200.00} prior to making an agreement with me even though in prior interactions, the personnel at their offices would calculate the best way to make up a payment that would lower any accrued interest. Onemain Financial disputes that a settlement agreement was made and insists that all I did was agree to bring the account current and make monthly payments until the account was paid off. They have not provided audio recordings of the conversations between us and have insisted that I telephonically made statements and agreements that I did not make while denying I made statements such as when I informed them after I received a statement that made it clear that Onemain Financial did not abide by their settlement and/or agreement they made with me. After paying about {$1700.00}, I noticed that my statement stated that I owed Onemain Financial {$3500.00}. When I called Onemain Financial to inquire why I owed this amount after reaching a settlement agreement, the agent told me that it was late fees that was the reason why the balance was high. We got into an argument over these fees and I demanded detailed proof of why the balance was that high and told her that even without the settlement and even if I had just brought my account current - that my balance should still not be that high. I also told her that until they gave me that requested and detailed documentation of why my balance was that high, that they could not take any more payments from my bank account. The agent I spoke with in XXXX made it clear that the total amount due was only about {$4200.00}. At minimum the remaining balance should have been about {$2900.00} after paying about {$1200.00} and not the {$3800.00} Onemain Financial stated I owed. Due to the fact that Onemain Financial denies that any settlement and/ or agreement they misled me into believing that had been made other than bringing my account current which is not a settlement at all ; money was taken from me that I would never have agreed to paid out had I known that Onemain Financial would not only dishonor that agreement but took my money after misleading me into the total amount actually owed to include and and all accrued interest. This set into motion a roller coaster of financial hardship on me. Again, I never would have agreed to pay any amount of money had I known that the {$4200.00} was not the total amount owed and had I known that Onemain Financial would not honor their agreement.
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| 11/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX your company has repeatedly contacted me/ us, claiming that I owe a debt under One Main Financial account number XXXX. I do not believe that I owe this debt. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. You have also violated TILA and Regulation Z Act I was never told that I had the right to rescind. Pursuant to 15 US Code 1635 I have the right to rescind, I was never given this paper work nor a waiver for it. You are also in violation of 15 U.S. Code 1605 Determination of a finance Charge it states ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
15 U.S Code 1606 is the determination of Annual Percentage Rate which is also being violated.
I have also never signed with my WET INK autograph a contract with this company. XXXX XXXX co vs XXXX where there is no contract there is no case I'm requesting you send me this alleged bill zero out with no balance per I have no written contract with this company. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. The ONLY information I want to receive from this company will be the zero out invoice that I am requesting. DO NOT contact me by mail nor phone except to resolve this alleged debt. Do not report anything negative on my consumr report. Failure to abide by this and continuing to violate these laws will force me to take legal action against your firm. Also do not sell my personal information to any other corporation
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| 01/06/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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Thanks for taking the time to read this as I'm sure you get many of these per day. But my complaint is about my consumer report and how this company is not treating me fairly. I would say I thought this was a mistake up until I got someone knocking on my door with a garnishment letter. So then I knew it was real. After digging deeper into it, I found many violations this company is using deliberately to hurt my credit.
The report shows a charge off every month from XX/XX/XXXX until XX/XX/XXXX. Once the account was charged off as a loss it was supposed to be closed and not reported every month as a XXXX XXXX. Also, it should have only reported one XXXX XXXX in XX/XX/XXXX but every month since then it has been reporting a charge off. This tactic XXXX is using, keeps this damaging information on your credit so you score can never build and so that it can continue to stay on your credit until XXXX years after the last report was ran. The amount charged off was XXXX}, then the balance increased to XXXX in XX/XX/XXXX, now it says the Balance is XXXX} as of XX/XX/XXXX.
The account is closed but still reporting a balance every month.
The Date of first delinquent was XX/XX/XXXX but it is showing XX/XX/XXXX.
XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX all show an experience and transaction between the One main ( the person ) and myself ( the consumer ).
Between XX/XX/XXXX and XX/XX/XXXX there is no data reported but then shows I am XXXX days late in XX/XX/XXXX.
The law states and I will copy it here for all to see : Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; So as you can see how congress labels everything so there is no doubt, this company has violated me so many different times.
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| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Inquiries goes as follows : XXXX Agent Supervisor name : XXXX XXXX XX/XX/XXXX XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report.
XX/XX/XXXX One Main Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX Capital One Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX TD Auto Fin Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX COAF Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report
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| 09/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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One main financial solutions Debt consolidation loan 3 year term XXXX loan amount applied.
Reason : lower montly payment and lower intrest rates, one payment.
Agreed to : montly payment XXXX monthly Lower intrest rate, and lower payments.
Adds on unaware : credit insurance What was explained off offered with the loan a great product for 3 years life of loan.
What was hidden : option never was told that it was a add on with added cost.
Loan fee never revealed cost or amount.
I ask for loan documents was denied explained I could log in to site and and obtain, tried but website didn't offer that category to download, called office and office assured me they would mail out, never recieved till this day Loan amount didn't cover all credit cards I asked if I could have all credit cards consolidated.after speaking to them assured me that they would.
Amount they showed I was receiving loan amount for XXXX ...
Never recieved check for the credit card added to consolidation called and company assured me that they would send check to cover credit card my credit card company never recieved.
Problems intrest rate changed.
Called no response by email or phone.
Experiences job loss applied for credit involuntary insurance XX/XX/2019 I was approved through ohio unemployment for unemployment. Filled all nessary paperwork. I then spoke to insurance company filled the same paperwork out 15 times, finally called emailed, recieved letter of involuntary insurance approved, payments were made XXXX XXXX.4 month, applied payments to XXXX verses back paying approval payments till when I applied in XXXX all XXXX payments and XXXX payments went to intrest only.
And added late fees for the same company who owns the note owns the insurance company also companies corrspond with each other knowing that they would cost be my loan loan balance and they could collect on intrest wrong of them.
XXXX payment XXXX XXXX payment only XXXX not full payment .XXXX cancel my insurance with no communication to me and adjusted insurance amount as a fee and added on to my loan.
I left messages and emails no response.
After no knowing of this issue was late on payments and added intrest and late fees.paid XXXX for most of it to go to intresr and late fees.
They ran a hard inquiry on credit report without my permission and change my note term to 5 years verses 3years. Reported me late which was not my fault due to unaware of canceled insurance. Paid a double payment for the month and still payments all go to intrest and less principle. Statements are incorrect with intrest amount and when a payment reflex more goes to intresr than according to my monthly statements.
I again ask for loan papers was told my email loan has transfer out even though I make monthly payments to same branch every month. Also was not given information who to contact to obtain my loan hard copies and no one cares to help. If im late on payments im harresed by phone and email 100 times a day but if I call when payments are on time I get no response or help from anyone. Especially when it was not my fault I was late due to approval of insurence at the time.
Please help me resolve this matter my loan was approved 1 year ago and my balance is the same amount still the same amount XXXX I have saved no money consolidating my credit card and consolidation has cost me more and a bigger balance to pay than before I can my debt I thought and was told that consolidation is the way to go why would I if it cost me double now.
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| 11/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On Monday, XX/XX/2020 I applied online for a installment loan. I received the = email below from One Main Financial : On Mon, XX/XX/2020, XXXX XXXX OneMain Financial XXXX wrote : Hello , Thank you for showing your interest in the Loan with our company OneMain Financial and this is the confirmation e-mail to let you know that the loan application you applied for has been approved.
Your loan has been approved for the minimum of {$1000.00} and the maximum is {$10000.00}, and your Loan Account Number is XXXX Please call us back on our number ( XXXX ) XXXX ( Press XXXX to connect the accounting team ) or reply to this email so that we can call you and explain the terms and condition of this loan.
Also we have mentioned below the monthly installment plan for the loan of the amount from which you can choose any of the following you are comfortable with and you can pay up your loan back with easy monthly installments.
For {$3000.00} Loan, Total Pay back {$3300.00}, Monthly Installment {$130.00} for 24 Months For {$5000.00} Loan, Total Pay back {$5500.00}, Monthly Installment {$220.00} for 24 Months For {$8000.00} Loan, Total Pay back {$8800.00}, Monthly Installment {$240.00} for 36 Months For {$10000.00} Loan, Total Pay back {$11000.00}, Monthly Installment {$220.00} for 48 Months To know more about monthly installment plans for this loan amount please call us back on the number below.
Furthermore, we would like to share that once the loan is transferred into your account the first monthly installment will be due within the first 30 days on the date you will give the authorization for.
For more information get back to us on our number ( XXXX ) XXXX Press XXXX or e-mail us on : XXXX We look forward to hear from you.
Our aim is to transfer the loan amount by today itself into your checking account.
I responded to the email to check the status of the application.
A guy by the name XXXX called me to discuss the payment terms. Hey stated that he needed to verify me bank account and to provide him with online banking. He then stated he would call me back with a credit decision. Mr. XXXX called back and stated I was approved for {$1500.00} installment loan and that the loan has been processed. He stated that in order for me to get the loan, I would have to send him the money back which was {$1700.00} I was confused because I had not signed any paperwork with him. Mr. XXXX sent me a text message from number XXXX and stated he would call me the next morning between XXXX and that I needed to answer. I replied to him to cancel the loan and that I would be going to a local branch. Mr. XXXX became upset and was beginning to get rude. He asked why was I going to a branch when he is approving the loan? He then stated that I applied with One Main Financial Online and not the local branch. I told Mr. XXXX that I didn't wont the loan and he needs to cancel it. Mr. XXXX started to yell at this point. Mr. XXXX stated that the loan was already submitted to my bank account and that I could not cancel. I would need to follow his instructions on how to return the money. Mr. XXXX stated again that he would call me the next morning and hung up the phone. After doing some research online, I thought that this is a scam and that I should not have given my account information to this guy. I was also informed not to send any money to him. I immediately changed my bank account login information. Please advise me of what I need to do and how to stop this.
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| 09/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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Following up my previous complaint ( # XXXX ). I am resubmitting. I have audio recordings from the branch office and main hotline CONFIRMING that this company has NEVER changed my interest rate like the continue to insist they have. If consumer agencies continue to believe these liars are not scamming me after listening to this audio, then this whole system is stacked. I can not attach the files in the complaint. I can email to any assigned CFPB agent.
I opened a loan with One Main Financial on XX/XX/XXXX. The loan officer misrepresented prepayment terms to me in order to coerce me into putting up my automobile as collateral. She convinced me to leave my 8 % auto loan with XXXX to reduce a cash loan with One Main from 35 % to 17.09 %, if I used the car as collateral. I stated it didn't make sense to me to do that and she told me if I did, I could refinance the car and call One Main for the auto pay off total and that way keep 17 % on the remaining balance instead of 35 %. I did this because she showed me the no pre-payment penalty clause. Two or three months after I signed the loan, I called to do this and another representative told me this was not possible. I was very angry and submitted a complaint to the OCCC in the State of TX to file a complaint against this fraud. One Main responded and agreed to reduce my interest from 17.09 % to 8 % because of the situation on XX/XX/XXXX. Since that date, One Main has refused to provide me an updated loan agreement and disclosure form as required by TILA. I spoke to a representative at One Main on the telephone on XX/XX/XXXX who confirmed my rate was not 8 % but 17.09 %. In a letter from the One Main Executive Office of Customer Care dated XX/XX/XXXX, they claim this was " misinformation, '' however, I continue to be usuriously charged. My payments continue to be the same at 8 % as they were at 17.09 %. These payments were calculated at 17.09 % and if they were correctly calculated at 8 % should be significantly less. I do not understand, nor do I have evidence by One Main, of what I am actually paying after this reduction. I am paying because of fear One Main will penalize me through default, collection actions, and/or negative credit reporting despite refusing to provide me updated terms and breakdowns and relying only on communications. Also, the original payment schedule on page one ( 1 ) of the One Main contracts directly contradicts itself in a subsequent extrapolation on page four ( 4 ), in the section entitled INTEREST BEARING LOAN, which states that the interest charged to the consumer is based against unpaid, principal balance. As a consumer, I interpret this to mean as I pay my loan, my principal balance decreases and each month. Therefore, as a consumer, I interpret that that my minimum payment should decrease monthly as my unpaid, principal balance also decreases. My payments were calculated, and remain calculated, according to the original term agreement and cash advance amount of {$34000.00} at 17.09 %. This repayment schedule was arrived at through a one-time, calculated lumped interest payment of {$18000.00} ( added to principal for a total payment of {$52000.00} ) divided across 66 months. It is not calculated against any decreasing unpaid, principal balance, which is a misrepresentation within the language of the origination contract. Again, I can not confirm my actual payment due based on 8 % interest as One Main refuses to provide updated contract terms and disclosures.
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| 06/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ONEMAIN FINANCIAL has committed multiple individual actions of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act as per federal law. On XX/XX/2021, I requested ONEMAIN FINANCIAL provide me with the five REQUIREMENTS that VALIDATE an alleged obligation through certified mail and return receipt. My request did not receive adequate information nor a competent response that is required pursuant to 15 USC 1692g. Nor was the return receipt sent to me. Upon receipt of my letter, ONEMAIN FINANCIAL was given 30 days to respond with competent evidence that I have any legal obligation to pay you. I received a letter from a representative who was not present during my consumer credit transaction, ( who I will be invoicing for infringing on my right to privacy and being in possession of my personal identity ) stating the amount of the alleged debt and asking to provide bank statements, etc for error ( another individual action committed ). Ultimately, I was not given a competent response, therefore, any contract that constitutes fraud is null and void. However, ONEMAIN FINANCIAL l is still reporting invalidated information to the three major credit reporting agencies. Which constitutes identity theft and fraud and is an individual action to my right to privacy and damaging to my reputation pursuant to 15 USC 1692d ( 1 ). I have not given my express written permission to report any consumer credit transaction between ONEMAIN FINANCIAL and me to any consumer reporting agency. I live with relatives and ONEMAIN FINANCIAL has sent multiple alleged statements with their logo on and in the contents of the mail, which directly commits an individual action pursuant to 15 USC 1692f ( 8 ). Additionally, ONEMAIN FINANCIAL was issued a cease and desist along with the disputed/validation letter. ONEMAIN FINANCIAL can not respond to my request because it is a piece of paper ( corporation ) that can not speak and they did not have my consent to contact me other than to invoke a specified remedy. Again, a representative chose to violate my consumer rights, pursuant to 15 USC 1692c. ( c ) ( 1 ) and 15 USC 1692c. ( c ) ( 2 ). Within a five-day window, the response I received was on XX/XX/2021, with a representative 's response and a statement attached. The statement attached contained my personal information and the amount of three different charges for one consumer credit transaction. The statement itself is false and misleading ( pursuant to 15 USC 1692e ) and constitutes fraud. ONEMAIN deliberately pursued cash from me after using my credit card ( pursuant to 15 USC 1602 ) in a consumer credit transaction. ONEMAIN did not meet the requirements that constitute communication with me pursuant to federal law. This is a direct individual action of 15 USC 1692c. Lastly, I was not advised of any collection efforts being terminated, nor was I notified of any specified remedy to resolve this matter. I was mailed a statement after cease and desist was in place. ONEMAIN FINANCIAL did not comply with the law, therefore ONEMAIN FINANCIAL will be held liable. ONEMAIN FINANCIAL has been extended an allotted amount of time to remove any errors and comply with the law upon receipt of the dispute of any alleged obligation. I do not agree with any contract. I deny any allegations of an alleged debt. I do not owe any alleged debt. I do not consent to any proceedings. If this matter is not resolved, I will take further steps to protect my consumer rights.
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| 10/22/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that since your offices have reported inaccurate and invalidated information to several credit bureaus including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, this action constitutes as identity theft fraud under both federal and state laws.
Due to this fact, this is my official notice of intent to sue for negative marks that have been found and are currently reporting on my consumer reports by your company or the company you represent.
I am bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. In addition, I am formally requesting {$5000.00} for the violations.
It would be advisable that you and your client assure that your records are in order as I am now taking legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent since legal action is necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information back.
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| 02/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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XX/XX/XXXX One Main Financial Account Number : XXXX Interest Rate % XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX To whom this may concern : On or about XXXX XXXX XXXX I applied for a small loan through one main finical. The application said I was approved for {$2000.00} which was just what I needed. I was a sever at the time and business was slow. I needed to catch up on some bills to get me through the month. I was told to go to my local branch to sign paper work. When I arrived the young lady came to me after providing all my documents that I was all set. I told her I was a sever and didnt make that much money when she asked me did I want to apply for more money. She asked me questions about my life and wanted details about work and XXXX ext. She said I can get you more money and I told her no, because I couldnt afford a higher payment then {$150.00} which I was approved for. She said ok. As she was continuing with my application she said I see here you have 4 credit cards and a car payment. I said yes, she said I can help you out and pay off all your credit card debt and your car for one low payment. I told her my mom was a co signer or the car and at the time I only owed around $ XXXX {$9000.00} My credit card debt was around {$2000.00}. She said this will be good for you. It will help your moms credit to pay off the car and increase her and your credit. She said my payment would be {$440.00} and to come back in 1-2 years for a lower payment and lower interest rate. I told her about my situation and I didnt want to put myself in any finical burdens she said this would work out way better. She said let me help you and that my mom would be happy not to have the car in her name. She asked for some more documents and then proceeds. I was taken to a back office to sign paper work. They issued checks to my Car Company and credit card. After a couple days my mom called me so upset and said what I did. That her credit score had dropped. I told her what I did and she said I made a big mistake. After doing research, I found out that they used my car as a XXXX, extend my payment out for a XXXX XXXX for another 6 years when my car would have been paid off in 2 at the time. My mom was not able to be removed off car I now3 have a lien on the car, and both credit score were effected for paying the loan off. I have been paying on this loan for over 3 years and still owe of {$10000.00} and a very high interest rate. I called to try to have them lower my interest rate like the lady told me. However she lied, in order to do so I have to apply for another loan and it would be against my car. No other company will pay this type of loan off, its affecting me from getting me a new car, the interest rate is high, and I still have years to pay off. The company, deceived me, lied to me, and took advantage of me. I want to sue this company for this predatory loan and I want the loan to be forgiven at this point. I would have never agreed to this type of loan. During covid when I lost my job no help was given. The still wanted their money and only so called deferred payments and added them to the loan ; I feel take advantage of and lied to just so the lady could get commission. I spoke to their manager and distract manager and nothing has been done. I was never told that a XXXX would be on my car.
Sincerely,
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| 07/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I took out my loan in XXXX of XXXX ; I needed to take care of some home repairs. I had received an offer in my email and got pre-approved on the computer. When I went in I sat at a desk in the front of the store and she went over all of the information with me that confirmed everything I had looked at. When we wrapped things up in the front it was my understanding that my monthly payments would be around {$350.00} a month. I believe that by the end of that time it was slightly higher like, maybe, {$370.00}. I felt confident with that as I had planned to pay twice a month and my payments would be almost double the payment amount. I kept saying that I was going to pay it off in half the time.
Also, while I was in the front of the store they sold me insurance. There were two types and I agreed to both. As I was contemplating them, however, the person who helped me called over to another person asking if they had to be purchased together. That is, if you were going to get one of the insurances you had to get both of them. The other person said yes. I was then led to a back office for the signing process. I had agreed to take out the {$17.00}, XXXX using my car as collateral. When I sat down I saw a sign that explicitly stated that the women had lied to me in requiring that I purchase both insurances. That should have told me all I needed to know about One Main but being averse to conflict I proceeded. When I mentioned it in a later phone call I received a weak apology. It wasn't until I received my first paper bill that I saw my monthly amount due was {$520.00}. This was NOT what I had agreed to as I sat there in the front of the office. I called a time or two and said that something was wrong but there was no admission of wrong doing only simple reiteration of what I already knew. I later looked more closely at my bill and saw that my interest rate was about 23.75 %. I was floored and felt cheated. I don't want anyone else to make the mistake I did.
I might add that once you have the loan there is a decided lack of transparency. Ideally, one would be able to log into an account and see a ledger style breakdown of their account that shows each credit and debit including interest charges. The first time I requested such a printout I received an email scan of another customer 's check stub.
This was a bad experience for me. It was entirely possible for this to be the ideal business transaction : win/win This has left me with questions about what incentives they give their employees and if those might have prompted this experience. I don't know, but I do know that I would not have even walked into their store with an offer of a loan at a 23.75 % interest rate.
Frankly, I think that when I discussed my payment schedule she made a change to maximize profits for OneMain. I had said that I wanted to be able to automate my payments and forget about them. It may be better to manually pay this bill.
Every month I look at this bill and I'm angry. I want to be sure that others don't have this experience.
I walked out ignorantly confident that the documents I carried reflected the information that had been shown to me in the front of the store.
No change of interest rate was ever brought to my attention during the application or signing process.
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| 06/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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On XX/XX/XXXXXXXX I opened a loan with One Main Financial. I had a previous personal loan of {$10000.00} that was consolidated. I have paid {$360.00} monthly ( {$180.00} ) bi-weekly for a little more than 1 year. On XX/XX/XXXX - I reached out by phone to the branch about my loan balance and options for consideration of refinancing my loan based on financial hardship I am currently facing. In my research of my loan and review of statements - I noticed that a refund for a product ( involuntary unemployment insurance ) was issued to my current loan in the amount of {$650.00}. I told the supervisor - that I was unaware of this " product '' being on my loan. And I asked for more information - including the total amount that I paid originally - including the interest. I was told that this information could not be retrieved - and that I should have paid more attention to what I signed up for. I also requested follow up to my question about the consideration of refinancing my current loan- and I was told that there is no option. I was also never told that my loan was incurring a {$5.00} per day interest fee - since its inception. So, even after never missing a payment for 1 year only {$1200.00} of {$4300.00} paid has been applied to my principal balance. I believe that there is predatory practices at play here- as I could not get a straight answer that was consistent between associates at One Main. As representative even told me that they had no record of me having a previous loan with their company- and it took a supervisor an extensive amount of time to locate my account to provide any specifics on my original loan information with the company. I have also become aware of a recent enforcement action from CFPB leveled against One Main Financial - and I asked the Supervisor I spoke with today if my account with One Main Financial had any relevance to the enforcement action, as I was never told I had previously opted in-to both a Life Insurance policy nor an involuntary unemployment product. I was told I could contact the insurance company as the records were " too old '' to retrieve. At a minimum- I am hopeful that this complaint will raise awareness of these practices and the inconsistencies of the policies One Main practices. I was provided with very little information or detail on any steps I can take to successfully retrieve satisfy my obligation to the loan - without paying more than 50 % in interest. Where my original agreement was 16 %. I believe I have and am continuing to endure a tremendous amount of stress and psychological harm as a result of One Main financial, there business practices, the way I have been treated by their associates and the lack of consistency in what I have been informed of as it related to my loan. The Branch I opened the loan with is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. This is the branch I contacted - however I was told today that I was affiliated with a Branch in Florida in which I have no connection to. This also alarmed me - as I now have fear that my personal financial information and other private information is not being securely managed by One Main Financial. I hope this complaint is reviewed in its entirety- and that you can assist me with obtaining a resolution to this matter. Sincerely.
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| 01/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I have had multiple such issues with this consumer finance company without resolution, as each time I request to speak to a District Manager or anyone above the local branch manager for resolution, the same cycle of being told they will contact me ( with no contact ) occurs. I have been charged fees multiple times for late fees or return payment fees with no standing as there were always available funds in my account. I also question the validity of the {$15.00} return payment fee I was told was from XXXX that I am certain I have already paid in the past. When I asked the branch manager on XX/XX/XXXX to provide me more details he said he would mail it to me but would not look through the transactions to see if that was the case. Once, I asked to be transferred to his superior he told me he would send them an email and that they would contact me. I reminded him that we have done this cycle multiple times in the past for various reasons and I have not once received any contact from his DM or anyone from their corporate offices. The presumptuous nature of XXXX, the local branch manager, is quite off-putting and outright disrespectful ; making such accusations that I must have done whatever adjustments were necessary in the meantime to allow the reprocessing of the payment to go through when I had clearly stated I have bank records to show that there were available funds in my account. After which he tried to pass this off as an issue with my bank and I should take the issue of with them and that of course, they would charge me a fee per their policy. I have also reached out multiple times in regards to changing the due-date to the XXXX as I was originally told I could do once I signed the loan agreement. Each time I have reached to the branch to have this occur I was told they could do not do this in their system and even asked to speak to the DM or someone who would be able to address this issue once again, with no resolution.
XX/XX/XXXX authorized payment of {$200.00} on XX/XX/XXXX within the allowed 10-day grace period, confirmation number : XXXX. Funds available in my account transaction didn't process and I had to reschedule payment on XX/XX/XXXX charged {$10.00}.
XX/XX/XXXX authorized payment of {$200.00} on XX/XX/XXXX within the allowed 10-day grace period, confirmation number:XXXX. Funds available in my account transaction didn't process. I called the branch in regards to this issue and spoke to XXXX ( branch manager ) and while on the phone had him process the transaction to prove there were available funds in my bank account. Transaction processed successfully and when I asked to speak to his superior he told me he would email them and they would contact me. When I reminded him of the fact this cycle has occurred multiple times in the past without ever being contacted he amusingly said he could see this had occurred multiple and refused to provide me with appropriate contact information and then hung up the phone. The presumptuous, disrespectful, and arrogant nature XXXX expressed himself with on the phone, referencing he has been doing this for 15 yrs multiple times, presented as a superiority complex allowing for him and in turn the company to take advantage of the loanee.
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| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, I was searching for a personal loan to help me consolidate my credit card debt. I received an approval from One Main Financial. When the representative contacted me, we discussed how I had planned to use my funds and reassured me that this would be a great loan and would help me out. Initially, I was looking for a {$15000.00} loan, but she convinced me that they could give me a larger loan amount and I could pay off my car and have extra cash for emergency needs. She said that they would have to keep my car as collateral and it would be a secured loan. At that time, I believe I only owed, {$8000.00} on my car. She said that it would be a five-year-loan.
When I went into the office to sign the documents, the loan agreement showed an APR of 26.94 % .The amount financed was {$26000.00}. My monthly payments would be {$810.00} per month over a five-year-period. I noticed that very little was being applied to my principal ( averaging about {$11.00} per month ) and the remainder was going to interest. I contacted XXXX from One Main inquiring why was so little being applied to my principal ; she said, the first couple of years, most of the interest is paid off and later more money would be applied to the principal. Well, needless to say, I now have had this loan for nearly four years as of XX/XX/XXXX, and the interest is still at an unbelievably high interest rate. A couple months ago, I had to double up on my payment, because I got behind. I paid over {$1600.00} and only {$4.00} was applied to the principal! I started downloading my monthly statements, and noticed that this company has been ripping me off for years. As of today, my balance is {$21000.00}. Apparently, I have 15 months to pay off the loan, which is not going to happen, according to their exorbitant interest rates and predatory lending practices, because as of today, I only paid off {$5300.00}.
When the pandemic hit, I got behind with my payments, because I had a XXXX XXXX, and had to quit my part-time job. I'm XXXX and on a fixed income and had been struggling financially, so every day that you're late, they charge {$15.00} per day, which has happened to me on numerous occasions, so my monthly payment averages over {$900.00}.
I had contacted One Main and they had put me on a deferred payment plan, which made matters worse, because the " interest '' is still accumulating. I called One Main to see what they could do to help me with this and explained to them my situation. They said that I could apply for another loan and get {$190.00} back, but I would be back on a " five-year-loan. '' I told them, this loan has done nothing, but created a huge headache for me, no, Thank You!!! They make these loans difficult to pay back. You will never pay them off due to their deceptive loan practices. I have paid nearly {$40000.00} as of today, mostly in interest. This is insane!!! Somebody has to shut this company down. They have been harassing me constantly through various phone numbers. Once I'm late, they will call from ten different phone numbers every day, including Saturdays, but don't leave messages. I need help!!! I had no idea that this company would create so much stress and XXXX to me.
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| 08/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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On XX/XX/XXXX, I contacted One Main Financial, LLC at XXXX and requested that my due date be changed from XX/XX/XXXX to XX/XX/XXXX ( account # XXXX ) and my request was processed successfully ( no menion of any service charges that would need to be paid for this one time request ). On XXXX/XXXX/XXXX, XXXX from the local branch in XXXX, MI XXXX contacted me and explain to avoid a service charge fee, she is suggesting my due date be changed to XX/XX/XXXX and the {$280.00} payment owed would still be deducted on XX/XX/XXXX via XXXX. I specifically asked this young lady would there be any problems with this tranaction and she stated no. On XX/XX/XXXX, I checked my balance in my checking account ending in XXXX with XXXX XXXX XXXX to include debits that had been deducted from my checking account and discovered that ( 1 ) One Main Financial, LLC had taken {$280.00} out of my account ending in XXXX on XX/XX/XXXX - Confirmation # XXXX. In addition, on XX/XX/XXXX, One Main Financial, LLC had taken another {$280.00} on XX/XX/XXXX - Confirmation # XXXX out of my checking account ending in XXXX. When I contacted XXXX, I was transferred to the XXXX branch and spoke with a XXXX who told me ( 1 ) that a service charge is applied after 5 days and ( 2 ) I needed to produce a bank statement indicating the a double payment had been deducted from my checking account ending in XXXX with XXXX XXXX XXXXXXXX. I find this to be unacceptable, this company evidently has not trained their employees properly so that customers accounts will not be debited twice when they change their due dates. This employee should have had written instructions or a Standard Operation Procedure that would have identified how to ( 1 ) deleted the original request that I had made on XX/XX/XXXX and ( 2 ) she should obtained assistance from others within her branch if she was unsure on how to properly process this transaction so that two ( 2 ) payments would not have been taken out of my checking account with XXXX XXXX XXXX ending in XXXX. I want my refund of {$280.00} and I would also like to not have this company automatically deducting any more money from my checking account with XXXX XXXX XXXXXXXX because they have proven themselves to be untrustworthy. I can call them and do one time payments on a monthly basis, take the payment to their XXXX office or mail the payment. This error could have caused my other creditors to not be paid and me to have been charged a fee from my bank and do you know how long that would take to correct. I would be working on that for months. Again, this practice is unacceptable and this employee, XXXX should be given additional training. Also, I contacted the XXXX branch and spoke with XXXX and I asked could I speak to the Branch Manager, XXXX XXXX and XXXX stated that he was on another phone call and I should leave a message and XXXX would call me back, I have not received a phone call back and that indicates the concern, none! I also called the Executive Office of Customer Care at XXXX and a recording indicated no one was available, to leave a message and someone would contact me the next day, again unacceptable. Please help me get my money back! Thank you
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| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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In XX/XX/XXXX, I paid off in full my personal loan with One Main Financial ( OMF ). Since paying it off in full in XX/XX/XXXX, I have attempted to correct inaccurate reporting of my OMF account with all three credit reporting agencies by directing my disputes both directly with all three agencies and by escalating the matter internally with OMF.
In XX/XX/XXXX, OMF acknowledged the inaccurate reporting and provided me a letter stating they were going to correct all three credit reports and provided me the supporting documentation proving the corrections were justified. Since receiving this notification and the documentation, OMF 's credit reporting department continues to undermine and override the corrections and reinstate incorrect information on my consumer credit reports. This incorrect information includes reporting a balance owed of {$200.00} throughout XXXX and into XXXX, stating comments on the account that I " settled '' my loan account for less than the full balance, with notes that the account remains charged off and paid for less than the amount owed though total balances were paid in full in XX/XX/XXXX to the original debtor, OMF.
To confirm, I never settled the account. Prior to paying the balance in full in XX/XX/XXXX, I spent several months trying to pay the balance in full and did not receive appropriate correspondence and information from the debtor to do so. In XXXX and XX/XX/XXXX, I attempted to pay balance in full and was denied by OMF 's third party law office to receive the instructions to do so -- as they stated because I was living in New York at the time, they needed to reassign my account. Evidence of this is also attached.
I was finally successful in getting OMF to accept my payment in XX/XX/XXXX and paid the balance in full. Since paying in full, the reporting on my credit continues to be incomplete, incorrect, and actively adding wrong data to my reports after I paid in full and the account was closed.
After providing this information to all three major credit bureaus in attempt to correct the false reports, including the attached executive letter and account statement documentation provided to me by OMF that states my balance was paid in full, OMF continues to retroactively report on my credit the very same incorrect information that was previously corrected and provided in your letter dated XX/XX/XXXX. At this time, I believe I have no other choice than to pursue redress through the CFPB in attempt to remedy the damages both OMF and the credit bureau agencies have caused by its continued negligence in appropriately handling my consumer reports, which has caused irreparable damages to my past and current ability to receive credit.
I have disputed this account more than three times with each credit reporting agency and each attempt is unsuccessful and in some cases, worsens the problem. Further, the credit reporting agencies websites are often broken, with broken links to upload necessary documentation. In instances where I was unable to provide supporting documentation online, I sent in the disputes through the mail with all necessary documentation. Each attempt was unsuccessful.
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| 05/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Dear Sir/Madam, I am writing to follow up on my previous complaint regarding the denial of my insurance coverage under the policy I purchased from One Main Assurance Services LLC , administered by XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX My name is XXXX XXXX, and my claim number is XXXX.
I would like to bring to your attention the inconsistencies in the records request made by your company. On XX/XX/XXXX, One Main Solutions sent a letter requesting medical records from XXXX XXXX XXXX XXXX, which were promptly provided to your company during the same month. Subsequently, on XX/XX/XXXX, you requested records from my primary doctor, XXXX XXXX, for the period from XX/XX/XXXX to XX/XX/XXXX.
To facilitate the retrieval of these records, I arranged a third-party call with your representative, during which the necessary medical records from XXXX XXXX were transmitted. This call was meant to ensure the seamless submission of the requested documents and avoid any delays in the claim review process.
Despite the timely provision of the requested medical records from both XXXX XXXX XXXX XXXX and XXXX XXXX, I have yet to receive any confirmation of receipt or updates on the inclusion of these records in the evaluation of my claim. This lack of transparency and communication is deeply concerning and hinders the progress of resolving this matter.
Therefore, I strongly urge you to expedite the review of all the records that have been submitted, including those from XXXX XXXX XXXX XXXX and XXXX XXXX. It is imperative that you thoroughly assess all the relevant information to make a fair and accurate determination of my claim for insurance coverage during my medical leave of absence.
Furthermore, I reiterate my request for prompt payment of the benefits owed to me for the period I was on medical leave. The purpose of this insurance policy is to provide financial protection during such circumstances, and I trust that you will fulfill your obligations accordingly.
I once again request immediate and effective communication from your company. It is essential that someone contacts me without delay to provide updates on the status of my claim and address the concerns I have raised in my previous correspondences. Additionally, I reiterate my request for the contact information of the Office of the President to ensure that my case receives the attention it warrants.
If I do not receive a satisfactory resolution within [ reasonable timeframe, e.g., 14 days ] from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal remedies to protect my rights as an insured individual.
Once again, I have attached copies of all the relevant documents previously submitted for your reference. If any additional information or documentation is required, please do not hesitate to contact me at the phone number or email address provided above.
I expect your immediate attention to this matter, along with a prompt resolution that upholds the principles of fairness and transparency. Thank you for your immediate action.
Yours sincerely, [ Your Name ] XXXX
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| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I XXXX XXXX, the consumer, was contacted by XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX for an account that was sold to them by ONEMAIN FINANCIAL, with my personal sensitive information. After further investigation I received mail correspondence from XXXX XXXX proving that my personal information was shared with a non-affiliate. I also discovered that this account has been shared with the Consumer Reporting Agencies XXXX and XXXX by ONEMAIN FINANCIAL since XX/XX/XXXX, without my expressed written consent. I did not authorize the sharing of my information with ANY non-affiliates. According to The Fair Credit Reporting Act 15 USC 1681 603, the term Bureau means the Bureau of Consumer Financial Protection, this is not to be misconstrued with the term Consumer Reporting Agency. When I spoke with XXXX, one of the customer care supervisors of XXXX on XX/XX/XXXX, she claimed that these legal definitions can be used synonymously, while one is a XXXX XXXX and the other refers to privately own companies that collect data and are regulated by the CFPB, this is XXXX XXXX and a violation of the Privacy Policy I signed with you!
I filed a complaint with Bureau of Consumer Financial Protection XX/XX/XXXX against XXXX XXXX XXXX for violations of collecting and sharing my personal information with the consumer reporting agencies, and not being licensed in the state of California to collect debt. To which they ceased all debt collection activity and removed their tradeline from the reporting agencies. ONEMAIN FINANCIAL is still sharing my personal information with the reporting agencies as a charged off account. This means that you wrote the debt off on your taxes and this is now income for me to claim according to the IRS publication. Neither income nor transaction history can be reported on my consumer report. This matter is a violation of the Privacy Act of 1974, The Fair Credit Reporting Act under 15 USC 1581/ Pub. L. 90321, title VI, 602, The Fair Debt Collection Practice Act, and The Securities Act of 1933 for securities fraud.
Id like to remind you that according to the Privacy Act of 1974, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Additionally, according to Fair Credit Reporting Act, 15 USC 1681 ( a ) you must exercise fair and accurate credit reporting and respect for the consumers right to privacy. 15 USC 1681 ( b ) states that a consumer reporting agency may only furnish a consumer report in accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER, to whom it relates. Under 16 CFR 313 you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless you have provided to the consumer an initial notice, provided to the consumer an opt out notice, given the consumer a reasonable opportunity, before you disclose the information to the non-affiliated third party, to opt out of the disclosure ; and the consumer does not opt out.
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| 08/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I make my car payments to One Main Financial and two months in a row they took a extra payment out of my checking account. The first time it happen was the end of XXXX the beginning of XXXX, I had spoke to a gentleman about setting up automatic payments starting in XXXX. Well instead of him setting them up to start on XX/XX/2021 he set the payment to start in XXXX. So after i made my payment at the end of XXXX they turned around and took a payment out my account on the XXXX of XXXX, when i called them and told them what they had did they did not want to send my payment back, In which i needed since i live off of VA Benefits and Social Security. Well about time they decided to return the extra payment i was over a negative {$500.00} in my bank account and they also took {$130.00} out of my savings account.to pay for bills that where coming through my auto pay. So after that happened i told them i didn't want to do the ach payments anymore. Well come the end of XXXX, beginning of XXXX it happened again after i told them i did not want them going into my account again. This was after i had told them not to go into my account again, so i ended up in the negative again in my bake account the next time my check went in, The bank gave me a credit for that payment and One Main refused to give the money back even though i sent them a bank statement showing they too two payments out. But this time they refuse to pay me back my money even though i was owed the money back by One Main, and they also refused to pay my bank back also, so come XXXX the back took there money back out of my account and i ended up going into the negative {$390.00} before my VA check could go into my account. So now they are saying that i am three payments behind and they are taking payments that i paid and moving them around as if i had not made the payments. They went into my account without my permission and then they did not and have not given my money back, and so in between all of that i have been in the negative three times and i have had {$260.00} come out my savings account and the money that i was in the negative when my check went in my account on three separate occasions and i did not have all the fees returned to me either. Then before it is even time for me to make my payments they are calling me saying they are trying to collect a debt and they have sent me at least two different totals i am suppose to owe and they never once sent me anything saying what months i was suppose to not have paid my bill. When i went into the office i pay for my payments the manager there was very rude and did not try and help me at all, I had to file a complaint on him with his company on XX/XX/2021 and will i was talking to someone from there Corporate Office, the sales associate could see the complaint i filed going through. I have a lot of health issues and i am in the XXXX XXXX a lot and i have a child i that also has health issues. So to have to deal with all of this all the time it has started making me fill sick every day, and it has also taken away from me providing for my daughter or me properly.
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| 02/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I am filing a complaint on Onemain Financial for unethical business practices. I was provided fraudulent information and deceived in making a very hefty financial decision.
I have had numerous loans with Onemain, dating back to XXXX, so in considering this most recent loan, in XXXX of XXXX, I felt comfortable in considering the options given to me.
On XX/XX/XXXX, I received an offer with Onemain Financial to refinance my loan and consolidate other loans. When I called my local branch at XXXX XXXX XXXX XXXX XXXX ; XXXX, FL XXXX, on XX/XX/XXXX, I spoke an agent who ran my credit and came back with a few different offers. I, honestly, do not remember all the options currently, but I do know that there were at least 2 that did not include my car loan with XXXX XXXX, and 1 that did. I was on a road trip during our conversation, and I asked him if I could take the weekend to consider them.
On Monday, XX/XX/XXXX, I was still unsure of what loan would work best for me. I strongly expressed, repeatedly, my number one goal was to be able to trade in my car. I had spent 6 years upside down in the loan with Ally, and at that time, I only owed {$10000.00}, and a trade in was possible because I was no longer upside down.
The agent informed me that this isnt the right time to trade in a car, with all of the chip shortages and inventory issues. He encouraged me to include XXXX, use my car as collateral in this loan of {$26000.00}. He informed me that after 6 months of a good payment history, we could untether my car, refinance the loan and possibly finance the new car. That, honestly, was the selling point for me, his assuring words of being able to trade in my car in six months, XX/XX/XXXX.
For the last six months, I have paid my monthly payment of {$690.00}, on time. I began my search for my new car, saved a down payment, I have increased my credit score to over 700, and was ready to proceed. I called Onemain Financial on Friday, XX/XX/XXXX, and spoke with an agent, who informed me that everything I was told, was not feasible.
She informed me that my current balance on loan is {$24000.00}. In the state of Florida, any loan over {$15000.00} must be a secured loan with collateral, my car. She informed me that I would have to pay my loan under {$15000.00} ( approximately {$10000.00} ), have my credit ran to see if I qualify for an unsecured loan. She said that even under {$15000.00}, an unsecured loan isnt guaranteed. Im not able to finance a new car, because even if I found a {$15000.00} car, it would take my loan to upwards of {$40000.00} and that didnt seem likely. She soberly informed me that I have no options.
So, here I am, six months later, still having to pay {$10000.00}, with no guarantee. All I have wanted is to trade my car for the last few years. I was so close to achieving that goal and was swindled into this huge mistake. I have no options and no recourse. I am saddened and sickened that this type of business is permitted to be practiced. I really trusted him and had faith that I would be able to achieve my goal of getting a car.
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| 06/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
Servicemember |
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My bank started the issue with returning a payment in error, stating my account was closed. It took 3 months to get them to admit and correct this error, but they sent a letter stating it was an error and not my doing. So one main opened auto pay back up. But during the 3 months, I was having to manually pay online, which put me behind because I only have one bank, and now have to move money between cards and be subject to each institutions wait and processing times. I always made every effort and paid any late fees applicable. I also made sure the issue was fixed. But after that, thr employees at one main started to call me and ask me to schedule an auto pay or defer. I deferred once but decided it's cheaper to pay the late fee and set my auto pays with the reps up for the XXXX. Well XXXX I get a call from a rep again to set up another, while I try snd catch up to current, and I always schedule the XXXX because it's my XXXX XXXX pay day. I move on with life and I get another xall from another rep who begins harassing me abkut how I need to make a payment right now or defer right now. I tell her I already have one scheduled and she says it doesn't matter, I need to either make a payment right now or defer right now. I insist I habe one scheduled and how does it not matter when another rep scheduled it with me prior? She said it's not ok to be late and if I don't pay or defer then she is going to have to have the branch manager call me. And I said fine because it isn't ok to tell a consumer a payment is ok and then lie about it and harass them for more. The branch manager never called me so I pa icked and went online and coukdnt see a scheduled payment. I made an immediate payment for what was due, all of it, {$600.00} and some change. Well two days later I get hut for over {$1200.00} off my account. I had actually had kne scheduled but they did it for the XXXX and I never would ever request the XXXX. So I start trying to get the double payment back and the rep tells me they won't give it back because XXXX is next week basically. Now that is two {$600.00} payments in one month .... why did I get charged late fees twice? I should get one late fee back as it isn't XXXX, so XXXX isn't late. They refuse. I file a complaint with XXXX and on complaim on their XXXX. I get a call today and they say sure we will give the extra payment back, no problem, but you need to send us a current bank statement or we CANT. I ask if this is law or internal policy, they say internal policy. So they are holding a double payment, that they are not entitled too, plus a late fee they also are not entitled to, for an internal policy that does NOT trump state or federal laws ablut refunds and extra payments or payments taken on wrong days. I asked for a waiver since they can clearly see in their system that they took two payments in one month, and he admitted he can see it but that they can not return my money back to me, because their company invented a malicious internal policy to make consumers XXXX through hoops for refunds they are legally entitled to.
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| 10/24/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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When I applied for a loan with onemain financial I was told over the phone by the representative that initiated my loan request that I would have no problem to pay any amount at a later date that was lower than the balance and they would have no problem to release the lien in case I wanted to purchase a new car. I was misled to believe that it would be no problem at all ( call would have been recorded so a recording should be available ). The balance on the loan was approx. a little over {$11000.00} and I called in to request how much I would need to pay in order to release the lien and was told the full balance of the loan. I advised that was not was I was told when I inquired about the loan initially. I proceeded to contact the District Manager, XXXX XXXX, and I advised XXXX XXXX what I was told when I took out the loan. I advised XXXX XXXX I wanted to pay {$10000.00} toward my balance and I wanted them to release the lien so I could purchase a new car. I advised XXXX XXXX that I would continue after that payment posted to make payments to pay off the balance. It was NOT agreed to at all that it would take the WHOLE {$10000.00} to release the lien to the car. The car was a XXXX XXXX XXXX with XXXX miles and according to XXXX XXXX XXXX was not even worth {$9000.00}. The {$10000.00} was MY offer to pay toward the loan balance because that is what I had for a down payment on a new car. XXXX XXXX did not quote me that amount to state that is what it would take to release the lien and NOR did anyone tell me that once they posted that {$10000.00} that it would all go to principal and would NOT satisfy the XXXX payment. Onemain FInancial posted the {$10000.00} on XX/XX/XXXX and my XXXX payment was due XX/XX/XXXX. I instructed numerous times that I wanted the {$10000.00} of MY money to apply to the XXXX payment and the balance to principal or wherever they needed it to go to satisfy the lien. Onemain Financial has repeatedly ignored my emails ( yes, I have proof of said emails ) and I have called the corporate office to try and resolve this matter. I have spoken to XXXX XXXX and he refused to help me and actually ( on a recorded line ) was rude and disrepectful to me. He threatened to end the call with no resolution. I asked him why would he not consider to take the {$10000.00} that I paid out of my own money and apply the {$300.00} plus payment and the rest to principal and he REFUSED. That was my money that was paid ; it should be up to me where my money goes. XXXX XXXX also threatened me with negative credit bureau reporting during the call. I will NEVER use onemain financial again for anything I need. If you check my records I was a great paying customer as well. It's a shame that someone is treated so poorly over such a small amount of money. I want something to be done about the way I was treated but my main goal is to have that {$10000.00} reapplied to include my XXXX payment. As of now they are harassing me telling me I am delinquent when I am NOT.
Thank you for your time and attention to this matter.
XXXX XXXX XXXX XXXX
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| 08/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2021, I withdrew my loan application from OneMain Financial in XXXX XXXX, Florida. I had submitted the loan because I needed a quick short term loan and after research I submitted by application with OneMain. Since I have withdrawn my application, I requested that OneMain be removed from my Credit Report, so I submitted to OneMain Financial a request for a Letter of Deletion or Removal because no loan was provided although they told me that {$1500.00} had been approved. I withdrew my application because the OneMain loan services were not provided as advertised with same day loan approval and receipt of monies by next day.
The team members at the XXXX XXXX, Florida branch for OneMain whom I dealt with were XXXX and XXXX. A phone appointment was scheduled by XXXX of OneMain XXXX XXXX at XXXX on XX/XX/2021 to close on a {$1500.00} loan for which they said I was approved to receive. XXXX was supposed to call me for the appointment but he never did therefore I called the OneMain office and was informed that XXXX had not arrived to work and they did not have an explanation to provide for his absence. I was then referred to another team member XXXX ( I believe his last name is XXXX ). In my dealings with XXXX, he repeatedly requested the exact same documents for which I had already submitted and OneMain had confirmed receiving. When he missed the phone appointment, I had explained my concerns to XXXX which caused my hesitation about OneMain 's operations since they have personal financial information for me. The OneMain office in XXXX XXXX appeared to be disorganized and mismanaged. XXXX immediately became argumentative, combative and disrespectful towards me. Since I was the customer and it was his team member who was a no show for the appointment, I was totally blindsided by XXXX 's abrasive tone towards to me.
When XXXX finally showed up for work later that day on XX/XX/2021, he called me and was very unprofessional and began asking me questions that appeared 'made-up ' to string along my loan application process. Since he told me the application was already approved the day before I did not understand the further questioning by him. Furthermore, XXXX stated to me that he was not allowed to disclosed to me that I may be a victim of fraud. If he's not allowed to tell me that then why did he say it to me? After that disclosure from him, I immediately contacted XXXX to research possible identify theft against me and they did not find anything suspicious nor considered fraudulent against me. I have attached copies of my communications with OneMain Financial. The XXXX XXXX, Florida office of OneMain Financial has exhibited a lack of professionalism, honesty, transparency and lack of organization in handling my loan application. Therefore, I am requesting a Letter of Deletion or Removal from OneMain Financial. Per the actions of OneMain, I am hopeful that your bureau will investigate OneMain 's handling of loan applications and potential misleading advertising by OneMain Financial.
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| 11/22/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Hello The reason for initiating this complaint occurred today, XX/XX/XXXX.
I received a call from a person named XXXX ( I dont know his last name ). He said he is the branch manager at the branch ( the branch # is XXXX ).
Some background : I first got my loan I believe was XXXX of XXXX. I made every payment on time up until XX/XX/XXXX. I ran into financial distress due to excessive obligations ( too many loans ).
In these last few months since XXXX, as I would get collection calls for being behind, I would speak to this same person, XXXX, and Ive spoken to a gentleman named XXXX. I would ask for hardship options, but was told only temporary options such as a deferment was available, where I paid roughly half of my normal loan payment. This option was available through XXXX of XXXX.
In XXXX of XXXX, the deferment option was no longer available. The only temporary option available was a loan modification for two months. My payment amount was reduced to $ XXXX for two months. I signed up for this in XXXX. Unfortunately I have not been able to keep up with that.
Which brings me to today, XX/XX/XXXX and my conversation tonight with branch manager XXXX. First off I felt he was very pushy and somewhat rude in how he approached the conversation. I didnt feel any respect or a willingness to have a civil conversation. A phrase he said several times Its not our job to call customers to collect from them, our job is to lend money. To me, this is poor customer service.
There was one point in this conversation that really pushed me to file this complaint. At one point XXXX asked where are we failing you as a company, and I tried to answer that question. Two ways : 1 ). There is no documenting of conversations. In these last 7 months, as noted Ive had multiple conversations ( each month ) explaining why Im behind, why Im having difficulty making payments etc. This is frustrating. I feel I shouldnt have to explain myself every month. That it would be helpful that someone calling me has reference points of previous conversations. Especially in a conversation like tonight where Im being harassed and I can not point to any documentation of previous calls.
2 ). A longterm hardship option. As mentioned previously, in the last 7 months the only options made available to me were temporary. I did my part, made the necessary payment ( except of course in XXXX when I didnt ), but the relief was only monthly and to keep me current rather than a longterm, affordable hardship that will work to pay off this debt.
When I detailed these two points to XXXX question, he provided no constructive thoughts or answers, but continued to harass me on why I hadnt made a payment since XXXX and that I have to make a payment by the end of XXXX. Comments such as this are not constructive, they are rude and unprofessional, especially to a customer that made on time payments for over 3 years. I became upset and told him I felt he was rude, and I didnt want to speak to him again. My apologies for losing my cool.
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| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX and XXXX of 2022, I was sent payment presentments via mail and/or via online bill PDF printable billing statements. In response to the presentments sent from the companies, I mailed in my coupons at the bottom of each presentment with the back signed with my beneficiary signature. I then received letters back denying my negotiable instrument/coupons. Shortly after, these companies started negatively reporting on my credit and this has drastically impacted my credit scores. Please note I have sent conditional offers requesting discovery in order to validate the debt the company has alleged I owe and the company is in noncompliance and has yet to send the information requested to validate the debt. My letters and affidavits notarized has been sent requiring companies to rebut by counter affidavit point by point. In addition to validating the debt alleged I owe, the company has been unable to provide a signed contract between me and the corporation via TWO wet ink signatures as there needs to be TWO wet ink signatures ( a corporation can not sign a contract because they are soul-less entities and NO third party can sign for a corporation according to the law. Additional, when I submitted a dispute on the companies, the credit bureaus completed their investigation and said the claims the companies alleged against me were valid. On what ground were the claims valid? Because the companies have not provided proof of any actually agreement/contract with TWO wet ink signatures, nor have they rebutted my notarized witnessed and signed affidavit countering point by point. A copy of a contract not signed by TWO wet ink signatures are not proof/valid claims of a contract. The lawful terms and conditions are based on fraud, therefore I am forced to use my compelled benefits of having all debts discharged pursuant to the Uniform Commercial Code and pursuant to HJR 192. Please note noncompliance of my letters sent to the companies alleging I have a debt with them violates FCRA section 623 ( a ) ( 3 ) responsibilities of furnishers of information to consumer reporting agencies { 15 USC 1681s-2 }. According to FCRA 609 ( c ) ( 2 ) ( E ) states " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified, '' WHICH IN THIS CASE, the alleged debt is unverifiable for many of the reasons above and much more. Please note verification of debt and validation of debt are two total separate things. Please note, I am contacting you to make a complaint and I am hoping that we can work together to get this resolved quickly as the extreme decrease of my credit scores have damaged every part of my life mentally, physically, emotionally as well as caused hardship etc etc etc. I would really appreciate your attention towards this matter/complaint immediately due to how this has negatively impacted me and my circumstances unfairly and unlawfully.
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| 03/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX, 2021 I reached out to the three credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( One Main Financial ) jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed on XXXX from my credit profile I sent the letter to the direct furnisher asking that this account be removed do to its inaccuracy, after days gone by, I received correspondence on XX/XX/2021 saying that the letter didnt provide sufficient information to investigate, so I submitted another request in addition to get a resolution for this erroneous account, unfortunately I was unsuccessful again for the second attempt, I got replied the same response as before so I Battled with this furnisher for months going back and fourth getting nowhere wasting time, energy and money that I did not have in a spike of a pandemic jeopardizing my health and families, Till finally I received a letter stating that they had a chance to investigate this matter and made some adjustments and modified the loan and switched information around that they reported accurate in the past! So how was this information verified accurate in the first place? Before investigating this information I was told this information was verified accurate, which was contradicting to themselves and also I notified and disputed this account with the Credit reporting agencies figuring Ill at Least get a fair investigation, upon a additional 30 days unfortunately I had no luck and was giving the same contradicting response as the furnisher I feel the three CRAs have not only violated my rights as a consumer with what they have allowed this furnisher to report on my credit profile putting me and the integrity of my credit at great jeopardy but also they have violated FCRA LAWS with being non compliant and as a Consumer I feel the proper actions should be taking against them. A few months went by and I received a letter from a new creditor name ( XXXX XXXX XXXX ) that I had no acknowledgement of requesting a unknown debt to be paid I challenge them and they stated they now manages the old Creditors account under a new business name because the debt was sold to them which I never gave any consent or authorization to do business with this new creditor in the first place not even verbally so how can you say a debt is mines?? so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of XXXX receipts, Im asking that you please remove this account off my credit report.
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| 06/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I was granted on debt consolidation loan on XX/XX/XXXX. The only caveat was that they were to send the payments to my creditors. I spent XXXX minutes on the phone with XXXX from XXXX giving her the addresses for the payoffs. They had me do payoff amounts for XXXX weeks in advance and was told everything should be paid off before XX/XX/XXXX. I had a creditor payment that was due on XXXX ( I had to pay that ) and then another on XX/XX/XXXX. All of my creditors were paid off within the XXXX weeks except the biggest XXXX. I called XXXX back around XXXX because I noticed the one was paid off. I wanted to get the check # and verify that the check was sent to the right address. XXXX gave me the number and assured me every was sent. I called back again around XX/XX/XXXX because it still showed a balance. XXXX on this call, realized she had mad a typo on the XXXX XXXX XXXX I asked her to have the check overnighted since the lender said it could take XXXX weeks to process a check. She said she would get back to me. I was concerned because the payment was due on XX/XX/XXXX. She didnt return my call like I had asked, so I called the next day and she said a new check was issued and sent out. I let her know I was very unhappy that it wasnt overnighted. She guaranteed me they would receive before it would be reported as late on my credit. I waited XXXX weeks and finally called and spoke to XXXX, the manager, on XXXX. I was very irritated that my account now says delinquent after XXXX supposed checks have been sent. XXXX said she needed to check on it and call me back. She called me a bit later that day and told me how sorry she was but the XXXX check was also sent to the wrong address! Are you kidding? Who is running this place. I cant believe the incompetence. XXXX guaranteed me that she sent the check overnight for receipt by the creditor at XXXX am on XXXX and everything should be ok. She offered to pay for the difference in interest since all of this mess. Here it is XXXX and guess what? I called the creditor to confirm receipt and they said they dont show anything and it could take XXXX days. This is going to be reported to my credit in XXXX days. So Im going to have to make a payment so this doesnt happen. Then I have to make a payment on the XXXX loan tomorrow which doesnt sit right with me since all of the creditors have not received payment. I called this morning, XXXX to speak to XXXX and tell her I want a check overnighted to me so I can make the payoff and not be late. XXXX is on vacation so Im back dealing XXXX, who said she needs to get it approved through her district manager. What can be done for all this incompetence? I took this loan in Good Faith and have had major stress about the remaining payment to the last creditor for a month and a half. What can be done? If nothing else, I want the world to know about One Main Financials incompetence so that others dont get taken in by them.
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| 11/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX
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| 09/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Servicemember |
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In mid-March I rolled over an old loan into a new loan. I originally asked for only {$1000.00} but the lender I spoke to, or an employee of the lender let me know that in the state of California the smallest personal loan you can take out is {$3000.00}. I'm fairly decent at making large payments or multiple payments monthly to any loans/credit cards I've had. I'm military and was unaware that I'm not supposed to roll over an old loan into a new loan. The loan terms were 54 payments at 35.99 % APR with {$5700.00} as the finance charge ( amount the credit was costing me ). Amount actual financed was {$5500.00}. {$560.00} was rolled into the loan with a {$250.00} prepaid finance charge.
After a few payments were made I noticed that my principal wasn't going down. In XXXX I went to a XXXX financial specialist to discuss why I was struggling with paying off the loan. By the end of XXXX I had made the following payments : XXXX XXXX {$300.00} towards the previous loan ( not going to total this in further down ) XXXX XXXX {$560.00} this payment came from the new personal loan I had taken out So in March- I had only made one payment from my checking account towards the loan. Had I not taken the second loan out I'd owe {$560.00} going into XXXX. The new loan rolled the old loan into it.
XXXX XXXX returned check- this will give me a {$15.00} late fee which is fair XXXX XXXX {$300.00} ( only {$45.00} went towards the principal ) XXXX XXXX {$300.00} ( {$240.00} went towards the principal ) XXXX XXXX {$200.00} ( {$190.00} went towards the principal ) XXXX XXXX {$200.00} ( {$120.00} went towards the principal ) XXXX XXXX {$200.00} ( {$130.00} went towards the principal ) At this point I've paid {$1200.00} towards the loan in a span of 3 months. 20 % of the loan amount. Yet, only {$740.00} 13 % had gone towards the principal. I understand some of the payment portion should go towards the interest. Look at the inconsistency of those payments being sent to principal vs interest.
Once I saw the inconsistency and the financial specialist looked over the loan they noticed some red flags for Military Lending Act terms. I was referred to a XXXX representative. He reviewed the loan contract. He noticed immediately that there are two different rates on the contract. I have an APR of 35.99 % and a contract rate of 33.39 % on the second page, and the old loan being rolled into the new loan.
In addition to the above, let 's rewind back to the {$250.00} prepaid charge I mentioned earlier. The loan meets the XXXX interest rate under the XXXX XXXX XXXX of 35.99 %. When you add that {$250.00} charge in, it's no longer XXXX, it's 37.2 %.
The XXXX representative reached out to the lender 's remote location as well as their corporate location on XX/XX/XXXX. It is XX/XX/XXXX and there has been no response from the lender.
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| 09/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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Throughout the years One Main Financial has been deceptive and misleading regarding a personal loan that I took out. They have predatory unethical lending tactics encouraging the account to go past due before a reduced payment can be set. This causes unnecessary late fees, high interest and the result of creating a new loan agreement. Anytime that my loan had been modified they created a new account and credit line. They also promise to clean up derogatory remarks which they also lied about. I submitted a credit bureau dispute advising duplicate history accounts that needed to be remove. My current balance of fees is {$3400.00} showing the loan balance as {$11000.00}. However, I never took out a loan for this amount. After being laid off in XXXX I utilized my layoff protection insurance which they only paid for 3 or 4 months. This is a upsell service they highly recommend for all loans but is deceptive. I was briefly a partime seasonal postal carrier for one month and it did not work out. One Main Financial kicked me off of the unemployment benefits although my unemployment benefits through the State of Colorado was reestablish right away. I had limited income to pay all of my bills which One Main Financial took advantage of. I also took a significant paycut once I found a fulltime employer. I requested numerous times to adjust my due date due to my pay period which they refused. It became a standing joke to them as " the due date '' which I did not find funny, lacked empathy and was unprofessional. I transitioned to my current employer in XXXX of XXXX in significant past due debt. Keep in mind that every time I was given a reduced payment the new amount increased astronomically unaffordable. I have misplaced my notebook and wanted to submit my complaint on record. But around the fall of XXXX a woman who identified as a supervisor reached out offering an affordable payment. She empathized that my account would be cleaned up and would get my account back on track. I also questioned why my balance was drastically higher. Which I was informed that rest assured all would be resolved and I was coerced to reply to an payment agreement sent by email otherwise subtle threats to pursue legal action. I have been paying diligently however I am disputing the balance remaining on this loan. I requested past statement history indicating the original loan amount but was sent to me was internal data. It doesn't even display an principle balance and fee section separate since it all has been combined together. I truly feel what is left over are significant penalty interest charges and late fees that they encouraged me to not pay and was the " only way I could get assistance ''. Please close out this account as satisfied and provide a paid in full satisfaction letter for my records.
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| 05/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I have a credit card from a company called One Main Financial/ XXXX I reported that this credit card was stolen out of my car along with other items almost a whole year ago on XX/XX/XXXX. They claimed that they will block the account from further use. I then received the bill around XX/XX/XXXX showing that there were merchant charges on the account around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I then called One Mains customer service at XXXX. I asked them why is there new charges on my card AFTER I called them and reported it stolen on XX/XX/XXXX. The rep stated the account is still open and there is no note that says it was stolen. I strengthened said that Im not paying for those new charges and that they need to block my stolen card from usage. The rep said okI blocked the account from usage. On about XX/XX/XXXX, I received another bill, and this bill had some more Brand New additional charges at other Merchants. So obviously the last 2 representatives LIED to me and told me that they blocked my account. So I called these One Main/ XXXX card people for the THIRD TIME over the same issue. I asked this rep, is my account blocked, closed or open? The rep said the card is open. I said why is my card open after I reported it stolen TWO times before in previous months. The rep said its no notes on the account that says the card was stolen. I asked what the XXXX is going on? The rep claimed that she is not allowed to block the account, and she will have to transfer me to get them to do that. I said that is the weirdest thing Ive ever heard of. I was then transferred to the retention department. I asked why hasnt my account been blocked since it was stolen.rep said, there is no note, but I will block the account. After that call, I then, suspiciously called them right back and I asked the new rep is my account blocked. This rep says no, its still open. I said close the account then.this rep stated that they will NOT close the account and they will not block it, for being stolen either. Then I told them I wont pay anymore on this account and they just need to take me to court that way I can explain to the Judge about their deceitful business tactics and their dishonesty as far as blocking my stolen account. So to make a long story short, even with all of this back and forth, this crooked Company, ONE MAIN FINANCIAL XXXX credit card has refused to block my account after I reported stolen. They also refused to close the account after my last phone call with them on XX/XX/XXXX.
So this stolen card account is still OPEN almost a year later. They charge a XXXX to XXXX dollar annual fee every year, and apparently that is revenue for the company and apparently, they feel it easier to rack up charges and annual fees. Because againthats revenue.even if the card is stolen.
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| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On XXXX, I opened up a OneMain Financial XXXX credit card.
On XXXX {$89.00} was withdrawn from my bank account via wire transfer from XXXX XXXX. Automatically, I thought of " BrightWay '', whom I have my credit card with. I called them, and they declined " knowing anything about this transaction '', but admitted that they are partnered with them. I never gave my account bank to XXXX XXXX ; I only gave it to BrightWay. I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ), and when I asked about how they got my account details to steal this {$89.00} from me ( that BrightWay likely gave it to them without my permission ), they simply responded with : " Thank you for contacting Bright. Please be informed that we see your account information is already deleted from our database. ". I have attached a screenshot for reference of our email correspondence. Everything seems very shady with vague replies.
I owe BrightWay {$540.00}, but they claimed on my credit report that I owe them {$640.00} because their unfair " interest charges '' and " late fees '', because I'm unable to make any minimum payments due to me having to report the fraudulent charge of {$89.00} and freeze my bank account. I had to open a new bank account elsewhere and switch my financial information with all of my bills, and it was a very frustrating process. I called BrightWay to make a payment by debit card, because I explained I am afraid to ever give them anymore bank account or routing numbers because they shared it with XXXX XXXX ( their secret partner ). Because they refuse to give me any other option to pay other than account/routing number, they keep accruing me unlawful " interest rates '', " late payment fees '', and also hit my credit score TWICE with delinquencies on XXXXXXXX XXXX XXXX
I am stuck without any way to resolve this issue. Please, I ask that BrightWay 's already-charged annual fee of {$60.00} be waived along with their unlawful interest fees and late payment fees ( I could not make any payments because they shared my account bank information with their thief partner ), so that the total I owe BrightWay is {$480.00}, and I would like to make monthly payments to them through a 3rd party, so that they would not steal my information anymore. I do not trust them at all, and whenever I called them, I was always speaking to the same person, so it leads me to believe that this is a very small company ( if not operated by one person/scammer ).
Thank you for your help, and I hope we can also remove the unlawful delinquencies on my credit score because of their scamming and fraudulent practices. If there is a way I can be waived everything I owe them because of my exhausting stress, that would be even better. I look forward to hearing from you at your earliest convenience.
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| 06/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Incorrect information on your report
- Account status incorrect
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Web |
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I started a personal loan with OneMain Financial early XXXX. I was told to use their app and so I did. Their app doesnt work.
Long story short, I changed the payment account on this app from one checking account to another to be auto-debited for paying the installments. This payment account update never happened on OneMains side, even though on the app it said the payment account was successfully updated. Therefore, I went a handful of months not knowing I had missed/late installment payments. This has negatively affected my credit score unfairly as I was unaware that OneMain wasnt getting paid. I did what I was supposed to do!
I was then told over the phone that they are aware their app doesnt work and theyre sorry about the mix up Sorry doesnt fix my credit score. They told me I had to update my payment account over the phone. This was the only way to do so why do they allow you to update your payment account on the app and on their website then? This is misleading and VERY harmful.
When I tried to update my payment account with them over the phone, the person on a recorded line sent me 2 verification emails she said I had to sign two documents to successfully update my account with them. I only received one email. I never received the other that would finalize this change. You can hear my frustration on the recording. I have several negative marks on my credit score now from this company. I have a 30 day, 60 day derogatory remark on my credit score from OneMain. This is so frustrating! I cant find an apartment now due to my credit! I filed an XXXX Customer complaint with XXXX XXXX at OneMain XXXX, MN. She was supposed to give me a call for the confirmation number if this complaint but never did. I am beyond upset and confused. I changed from acct ending in XXXX to XXXX preemptively in XXXX XXXX XXXX as I had closed my previous account. I found out around XXXX XXXX that the payments werent being processed even though the app told me payments went through fine! I looked into getting a deferment to buy time to get this paid My emails from one main say payments went through fine!
I did not receive the email necessary for me to update my payment account as directed over the phone the first time. All these calls should be recorded for your review. Im beyond XXXX over this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In one of my attached photos youll see that my app says YOURE PAID AHEAD and then shows A RETURNED PAYMENT FEE OF {$30.00} as of XX/XX/XXXX.
This is still a problem today! How do I know the status of my account with this confusion????!!!!
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| 06/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
Servicemember |
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I took our a loan on or about XXXX XX/XX/2020 and used my vehicle to secure the loan. There was an issue with the paperwork and I was offered additional funds to help set off the payment that was charged. I accepted the offer for the additional funds and had to resign the loan as a result. In part I opted to have insurance on my loan as well in case of loss of job or sick ect. During the qualification process for the loan both of my jobs were evaluated and I was approved and received funds electronically. My payments were set up for auto pay in which was fine until I got fired from one job. I then notified OneMain via XXXX XXXX XXXX via email at ; XXXX. I had not heard anything for a couple of weeks when I decided to call. I spoke with a young lady who said that there was a error in the form and that they presumed that I was not on my job long enough to be covered by the insurance and that I was ineligible because of it. I then stated to the woman, her information was not correct and that I was still employed by one job that later laid me off the following month due to COVID19. I advised her that I would send over documentation that was provided to me via the employer and the office of unemployment. She the advised me of the email address to send the documents to and that was the end of the call. Some time later during the following week I called the the representative Ms. XXXX at the XXXX, VA branch where I signed for the loan and explained to her what happened and she said that she would call on my behalf to find out what in fact is needed to proceed with the claim. During the waiting period for her to call me back I receive written correspondence requesting documentation that was in part provided. At this point I am confused when I receive a call stating that the insurance portion of the loan was refunded without my consent or knowledge. I was within my rights to file a claim and are eligible to receive benefits. However, someone took the initiative to cancel that portion of the loan and now I am being denied for not having coverage. This is not fair because they don't want to pay. We did not anticipate a crisis nor did I anticipate being out of work. However, being a responsible individual I did accept and sign for coverage just in case anything were to happen. I will attach documentation and can provide a contact via fax as the documents are too large to upload at this time. They are wrong for this and it should not be allowed for them to cancel coverage that I opted for on my loan as part of a contingency to have the loan. If a new form is what was needed to proceed they should have just asked for that and not just deny my claim and then go further and cancel the coverage all together. That is very deceptive business practice.
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| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, 2023, ONE MAIN FINANCIAL claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, ONE MAIN FINANCIAL informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The ONE MAIN FINANCIAL affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice.
Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize ONE MAIN FINANCIAL to share my personal information with any third party based on false pretenses.
ONE MAIN FINANCIAL has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report.
Furthermore, ONE MAIN FINANCIAL violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan.
Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX XXXX and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.
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| 07/15/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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To Whom it may Concern : I received a call from XXXX XXXX with One Main during my work hours which wasnt a good time for me. I will attach a picture and phone number XXXX from One Main called me from. Please request a recording of the call. The call came from XXXX ( XXXX ) XXXX at around XXXX Thursday XX/XX/XXXX the call screen shot is at XXXX duration XXXX 15 U.S. Code 1692d ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt He begin to call out the debt I owed with XXXX and other medical bills. He said I have all your accounts infront of me. With XXXX calling out my accounts I felt he was defaming my character. He also called out the last four digest of my social security as if he has me cornered. This is a violation of my consumer rights 15 U.S. Code 6802b.
He then told me where is your moral. He then begin to call out my place of residence in a threatening way, letting me know yea I know where you live. I immediately thought about my wife and kids of now having protecting them, thinking of one day XXXX XXXX could show up at my place of residence. I felt very threaten now I have to live my life wondering if he will show up to my place of residence.
I felt threatened this is a violation of my consumer rights 15 U.S. Code 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
I felt abuse and profane language towards me from XXXX XXXX when he said where is your moral, you have charge off you owe conns and the medical debt.
This is a violation of my consumer rights As a I felt I was extremely harassed, threatened and coerced into making a payment to the One Main account we discussed. This is a violation of my consumer rights 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
He then transferred me to a supervisor who begin to say you breach your contract. This is the first time I experienced this type of behavior from One Main and this is unacceptable. My rights were violated! I am very shakin by this treatment from XXXX XXXX of One Main. I had to have a conversation with my wife which she is now worried that XXXX can show up to my address at anytime. This is XXXX to my heart soul mind and family.
I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Abuse and Harassment 3. Harming my reputation 4. Obscene and Profane Language toward the hearer 5. Attempt to coerce into paying debt
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| 04/16/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am filling this complaint against One Main Financial for various violations of my rights under the Fair Credit Reporting Act.
I have reached out to One Main Financial several times to dispute the account information that they are furnishing to the credit bureaus.
My last attempt to rectify the issues with One Main was addressed with the correspondence I have attached to this complaint sent on XX/XX/202. I sent a correspondence to One Main Financial by certified mail stating that I wanted to dispute the referenced account on the grounds of inaccurate information and inaccurate reporting of account history. With my letter I included two correspondences that I received from One Main Financial in regard to the balanced owed. I have two documents from One Main with two different amounts owed. I asked that One Main Financial conduct an investigation and provide to me all payment history along with the accounting methods and the accurate amount owed. If One Main is unable to provide such, I requested that the inaccurate account be deleted from my credit profiles.
Along with incorrect balance information, One Main also is providing inaccurate account history information to the credit reporting agencies. I have also address this issue with One Main as my this company continues to ignore my written requests.
One Main continues to ignore my requests for the requested information. One Main continues to violate my rights under the Fair Credit Act by not performing a reasonable investigation into my claims as I have provided proof with contradicting account information provided from One Main itself. One Main has also violated my rights under the FCRA for failure to notify the Credit Reporting Agencies that I disputed the debt with their company. One Main continues to certify to the Credit Reporting Agencies that the account information is accurate when I have provided proof of the inaccuracies and conflicting account information.
One Main has sent me several letters in which I have included with this complaint. The correspondences that were sent clearly show One Main failure to acknowledge my dispute, even though I provided sufficient proof in documentation.
As a rule, its illegal for One Main to report information that they know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) According to the FCRA, One Main can not, under any circumstances, report information that I, myself, the consumer has reported to One Main is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
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| 08/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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Yesterday, XX/XX/2023, I was on call with a customer service representative from OneMain Financial after submitting an application for a {$5000.00} loan. At first, the customer service representative was enthusiastic in assisting me get the loan. She even stated that I could get a higher loan amount for a monthly payment similar to what I stated was in my budget. I submitted the documentation she requested through the portal, which was the front and back of my ID, a voided check, and 90 days of bank statements. At first I thought I needed to submit my paystubs, but she told me that my income was already verified. Unfortunately, we were unable to complete it yesterday and so, she told me she would continue the call tomorrow since she was leaving the office.
When she called me today, XX/XX/2023, she suddenly told me that they could not move forward with the loan, but she thanked me for letting them look into it. When I asked why I was suddenly denied, she just stated " they were unable to verify my information '' and basically ended the call. I have not received any follow up email explaining why I was denied whatsoever. The online portal continues to send me updates that " I'm almost done having my loan approved. '' as if the process is still in continuation.
I have experienced this type of behavior before, and I believe it has to do with my last name being XXXX XXXX. I am used to and can recognize XXXX behavior, as I have experienced it most of my life. This year, I had attempted to obtain a mortgage loan, and no company will approve me, even when I meet their requirements. Even XXXX XXXX XXXX XXXX non-profit ( which is designed to assist individuals with downpayment grants ) has thrown me back and forth regarding their requirements to the point where I'm not sure what I need to send them in order to qualify. Their terms seem to keep shifting.
I only wanted this loan from OneMain Financial to consolidate my credit card debt and have some left over for my work travel, since I work for the state of Virginia, XXXX XXXX XXXX. The fact that I was told everything was fine one day, and then the next day everything is complete different without a concrete explanation is extremely suspicious to me. I also had two hard inquiry hits to my credit score, which now seem to be for absolutely nothing.
I don't know what will be done to help me. But, I just want others to know that this has been my experience with OneMain Financial and XXXXXXXX XXXX XXXX XXXX ( the non profit ) specifically, who have both exhibited similar behavior. If they can not concisely and clearly explain why you were denied, and will not give you your denial in writing, it is almost always a denial reason that is not legal.
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| 04/18/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/, I received the first collection mail from the creditor name One Main Financial for the loan amount {$12000.00}. I ignored the first letter doubting and thinking it could be a scam. Upon receiving the second mail on XX/XX/, demanding the loan amount {$14000.00}, i took the letter content concerning. i called the creditor Customer service to enquire about and dispute .After questioning and informing that neither i applied for the loan nor i took the money. The One Main agent XXXX, to my response informed me that i had provided my Social Security ID, along with my Identification and W2 form from XXXX. I have the recording of the call. One Main claimed that the W2 form from XXXX was submitted, whereas i have never worked at XXXX but only in Service sector. I disagree and claimed that the loan was taken by me and i have never taken any loan in my life, then the agent stated that it could be fraud. My call was transferred to One Main Financial fraud department. Then i spoke to the One Main Financial fraud department agent name XXXX, I was instructed that One Main agent will file a fraud case for the victim of fraud .I was asked to submit, an notarized affidavit along with a photo copy of my State ID, proof of resident ( XXXX mail ) and Social Security , and inclusion of police report However i could not file a police report as i needed the location of information and the time of fraud.
I called couple of time to One Main to request the information of the time and the location of fraud. They were not confident to provide the information but only the time of opening an account and the date. On XX/XX/2022, Time XXXX XXXX XXXX the account was opened. Going back and forth with One Main agent, it delayed me to file a case at the Police station.
The first investigation was submitted without the police report. Their investigation was concluded the police report was missing, and the loan application was not a fraud case but it was valid, which i still disagreed and dispute.
Since i had Police report, i disputed the first investigation conclusion. On my second dispute I submitted the Police report. The second investigation was again concluded with statement that the account was not fraudulently obtained and remained a valid debt in my name.
I sought help from XXXX, their investigation was concluded stating that the loan was obtain by me.
The creditor One Main account information is still showing under my credit report.
Since i have drained my source of help, I request CFPB to help me investigate to the depth. I do not own a debit account other than XXXX bank. I have not loaned above mentioned amount ever in my life.
I am the victim of Identity theft and fraud case.
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| 04/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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My emails that were sent to the company : My payments- XXXX every two weeks ( this included fee services that did not provided services when reaching out to assistance ) 1. Resubmitting my email below from last week. Please could someone get in contact with me about my concern with my next two payments please.
Thank you, XXXX XXXX XXXX : XXXX Home : ( XXXX ) XXXX Begin forwarded message : Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Subject : My OMF NextPayments Hello, I called to today to reach XXXX XXXX who was the agent that financed my loan with OMF but there was no answer.
I have an unexpected expense that came up in my household and I would like to know if I could possibly either skip or move my next two payments to the back of my loan, I know interest may still accrue but I have to pay for this expense to be fix asap.
If someone one could reach out to me as soon as you all available to confirm if this could be a possibility.
XX/XX/XXXX : XXXX XXXX XXXX I gave you a call as instructed yesterday to move my next two payments due to needing to get my truck out the shop. I also called today.
I will not have this payment for the next two payments starting this Friday XX/XX/XXXX and XXXX.
Could someone please make sure to make these changes on my account as soon as possible so nothing would be withdrawn from my bank account for OMF.
Begin forwarded message : Date : XX/XX/XXXX at XXXX XXXX XXXX Subject : XXXX : My OMF NextPayments Hello, Resubmitting my email below from last week. Please could someone get in contact with me about my concern with my next two payments please.
I also called on the following days : XXXX I spoke to XXXX about my situation and concerns about not being able to make my payment that was coming up next due to my truck being in an accident and I was told to give her a call back on XX/XX/XXXX which I did to make some arrangements.
XXXX I called One Main FinanciaXXXX 3 times no answer and I left voice messages.
XXXX I spoke with an agent from One Main financial and again I let them know my situation and being a home owner and running into a hardship and they ran my credit again to see if I can get a lower payment to try be in a better situation and I asked to take away the services that was offered, special the auto/home care because they were no help. There was no assistance offer or resolution to my situation.
XXXX One Main has been calling and sending countless of mail. I am at my wits end and they keep reporting to the credit bureaus each time on a missed payment.
I am not sure what my options are with trying to get out a financial aside from a bankruptcy which is not something I want to go through.
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| 08/07/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/20 at XXXX I received a call from " unknown ''. I did not answer but listened to the voicemail that was left. What was weird was my voicemail showed the unknown as " XXXX ''.
The guy stated the following word for word : This message is solely intended for ( my name here ). This is XXXX XXXX. Im an independent courier calling in regards to certified documents that have you listed as the receiving party. At this time I am scheduled to deliver you your documents and obtain your signature within the next 48 hours outside your home or your place of employment. If your signature is unobtainable your documents will be marked as direct refusal to comply and the process will proceed without you. If you have any further questions or you need to reschedule your service date, you or your attorney will need to contact our business office immediately ( this word was slowly emphasized ) at XXXX and you will need your reference number of XXXX. Thank you and have a good day ''.
I called the number and a woman answered.
Note : I knew before calling that it was a scam because I googled a portion of the voicemail and the negative results came up.
A little music played or something and them a woman picked up and I told her why I was calling and she asked for the reference number. Couple seconds pass and she gave me my birthday and asked for confirmation. She shared with me what the call was about ( in my head I knew she had accurate information of myself personally but the debt information was bogus ). I asked her for her name, company name, company address, and phone number. She gave all four, some with hesitation ... XXXX was her name, XXXX XXXX was the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX-something Texas and her direct line of XXXX XXXX XXXX she told me how much I owe with One Main Financial and how much they will settle with for today. She also said the company wasn't a debt collector but that they help companies get their money back ... ..huh??
I asked more questions about what my options were. She said payment plan or pay in full. They accept no checks only card numbers but she told me if I called one main directly that they could take checks ... another red flag. I told her I would call her back and never did.
The entire conversation I had with XXXX was done with intent on my part. She gave off an insane amount of red flags. From acting like she didn't hear me to her lack of knowledge about how debt collection works. XXXX XXXX and XXXX tried to scam me out of {$8300.00} which is absolutely laughable. I really and truly feel remorse for those who aren't so lucky to catch this!
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| 08/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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I have an existing title loan with One Main Financial from the XXXX and XXXX location or very close to that intersection in XXXX. My problem is not that I can't contact this office, it is the opposite. My payment is due on the XXXX of the month, and I have usually been paid a month in advance, but due to a unexpected expense, I was not able to pay on the XXXX. I knew I would pay it on the XXXX when I got paid. I had a missed call from One Main on the XXXX of XXXX at XXXX, at that time I went in and scheduled my payment online to be debited from my account on the XX/XX/XXXX in the amount of XXXX which is the amount that was due with late fee as they posted. I received another call on XX/XX/XXXX at XXXX XXXX which I missed because I was on another call for work. I returned the call at XXXX XX/XX/XXXX and spoke with a lady who was able to pull up my account to see why I was contacted, since I had scheduled my payment, she said I was good and did not know why XXXX I believe was the name of the guy who had called. I thought okay, all is good. On XX/XX/XXXX at XXXX XXXX I received another call from XXXX. He said that he saw I had scheduled my payment but I needed to pay another {$26.00} for additional late fee and was trying to get me pay it on the spot and to setup auto payments. I informed him I would take care of the additional fee, but was not going to setup auto pay. He was wanting to know why I could not pay. I kindly told him I was not going to go into detail only that something unexpected came up and I would take care of it. On XX/XX/XXXX at XXXX I missed a call from One Main so I returned the call at XXXX and spoke with XXXX again XXXX XXXX told me that I did not pay the additional fee and wanted to collect it, also told me that he had in his notes that I told him that I was going to cancel my original payment to make a new one to include extra fee. I stopped him and told him I never said I was going to cancel my payment, only that I would take care of the additional fee. I also told him I did not appreciate his harassments for a payment I had scheduled. I feel like it is very unethical and excessive to be considering that I was not 30 days past due and I had scheduled a payment. I have never been harrassed like this before. I have kept my account in good standing to get this kind of treatment. I told him it was very unprofessional of him for these very reasons. I would understand if I was delinquent 30 plus days, but I was not. If I am getting treated this way I can only imagine how others are being harrassed. If I had the ability to pay this loan in full I would.
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| 05/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
Servicemember |
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I walked into the XXXX, VA XXXX of Onemain Financial in XX/XX/2020 to finalize details of a personal loan I was approved for online, with conditions. I was working with a new associate XXXX XXXX. During the discussion about loan terms, I was told I would not qualify for an unsecured loan for the amount I wanted, but I could qualify for a secured loan with my vehicle as collateral. This was in XXXX of 2020. I advised the associate I would be moving out of state in XXXX of XXXX and planned to sell the car prior to moving. I wanted to confirm I could still proceed with the loan under those circumstances. I verbally repeated the situation as so I can get this loan, with the car as collateral, and then sell the car within the month and use that money to pay off the difference and lower my payments? XXXX was new and did not have a firm answer to this inquiry, so he stepped away to ask another associate ( unknown ). He came back moments later and said that I could do that. I signed the loan. Within the next month, I called the office on XX/XX/2020 to see what was required to sell the car, per the verbal conversation I had with XXXX XXXX. I was advised by branch manager XXXX I could not sell the car so quickly after getting the loan. After repeating what was told to me, XXXX said I would not have advised that. And tried to propose additional options outside of what I was told at the loan signing that would not work as I would no longer be in-state and could not bring the car. The car stayed, Covid hit, couldnt get back when intended, car was stolen, car was recovered when the individual who stole it brought it to an auto body shop and abandoned it there, leaving me with the storage fees and a mechanics lien. Onemain financial was contacted by the body shop and when I did speak to them, they told me they could release the lien to me if I got in touch with the body shop, but the body shop never got back to me. ( XXXX signed over the title of the vehicle to the shop and never told me, only that my loan had changed from secured to unsecured ) even when I filed a complaint with their office of executive consumer care, stating I wouldnt have signed the loan if I couldnt have sold the car and I was advised I could do so. There is no other reason I wouldve done that a month before moving out of state. After an investigation from the executive office with the XXXX branch, the XXXX branch denied the claims. The area serves a high marginalized population and I am concerned of other instances of misinterpretation, especially as the area also has a very large XXXX speaking population.
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| 02/04/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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RE : XXXX - ONEMAIN FINANCIAL XXXX XXXX XXXXXXXX XXXX ( E-CASE ) AND RE : XXXX - ONEMAIN FINANCIAL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( E-CASE ) I can not find a better way to address this, as i have never received an Initial demand letter of any kind from this firm in relation to either of these cases.
The firm did in fact violate FDCPA by filing both of these cases in separate courts and or counties and did so by never ( to this day ) having my corrected address.
The firm never sent an initial demand notice providing me 30 days for a hearing, they never served me, nor did they serve a responsible party that would convey the signed affidavit waiving my rights and or that legal action was going to be taken against me. Case XXXX signed by " XXXX '' This person is not someone I would trust with my light bill, let alone a debt that is worth more than the vehicle I drive.
The fact of the matter is that I showed up in court on multiple dates ( RE case XXXX ) to explain that I don't live in XXXX XXXX anymore, and im back in XXXXXXXX XXXX ... .. and the attorney never once stated i was already had garnishments executed against me XXXX RE Case XXXX ) AND that they are trying to execute a garnishment for a company I never worked for initially.
-Harassing process servers influencing a roommate to sign for me, resulted in me never getting knowledge of the debt.
-Never getting initial demand notice from collectors at ANY address. Including the newly updated address in the correct county - XXXX XXXX -Multiple attempts to hand attorney my new address when in court cases in XXXX XXXX XXXX try to assist -Communication several times with the firm that Bankruptcy was going to have to be the end result ( when I could afford it ) -The origin of the debt is of unsecured nature However, upon questioning the need for additional funds .One main had knowledge this was a purchase for an Engagement ring that is no longer / has not been in my possession for several years ( my ex fianc did not give the property back and sold it for a lessor value and kept the funds ) -See XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Never did I work there, and you all should have had returned mail for any address associated with that Credit union ( as this was a bank that held a lien for a prior repossessed vehicle ).
The practices are predatory, and even to someone like me that knows the FDCPA you seem to be able to pull one over on the consumer by slide of hand.
I tried to even provide this attorney my new address, and it was declined .... I can not believe you are allowed to deal this way.
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| 09/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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On XX/XX/XXXX I received a call from OneMain due to my XX/XX/XXXX payment not being made, at that time I advised the rep that I had XXXX XXXX XXXX on XX/XX/XXXX & was waiting on XXXX to be processed so I could have a better understanding of what my new income would be until I got a new job. On the XXXX the man that I spoke with offered me a 2-month deferment & at that time I decline & advised him that just as long as my XXXX was approved I should be fine with making the payment. I then received a call from the same man on XX/XX/XXXX, and XX/XX/XXXX & then on XX/XX/XXXX lady called & offered me the same 2-month deferment I again explained my situation & declined.
I then later called the lady back to go on & set up the 2-month deferment due to I was still waiting on XXXX. At the time that I spoke with her, I was only due for the XX/XX/XXXX payment, she told me I would need to make a full payment by the end of XXXX & once I did that they would defer 2-months. She also stated that once the payment was posted on the XXXX I would receive my deferment approval in the mail. A payment for {$470.00} was set up on that same day to draft out on XX/XX/XXXX, this payment has since been posted & cleared my bank.
I received my deferment letter in the mail, dated XX/XX/XXXX that states I was approved for a 2-month deferment with my next payment being due XX/XX/2022. I contacted OneMain this morning to get clarification, due to the only payment that I've missed was my XX/XX/XXXX payment. I explained that as of XX/XX/XXXX I was due for XXXX & XX/XX/XXXX payments so the {$470.00} they received on the XXXX should have covered one of those payments & the deferment should have covered the other payment along with the XX/XX/XXXX payment.
I was then told this morning that the 2-month deferment that I was placed on only covered half payments for the months of XXXX & XXXX, & the payment that I made on XX/XX/XXXX was to cover the remaining of those half payments. This was never explained to me when I was offered the deferment nor is this stated in the deferment letter that was sent to me. All information that was provided to me stated a 2-month deferment, which means it should be 2 full monthly payments, if this is not what they are offering then their letter & information that they provide should clearly say half payments & it doesn't.
OneMain has now placed me in a worse financial situation because I now have 6 days to figure out how to come up with {$470.00} because they lead me to believe that I would be receiving a 2 full month 's deferment when that was not the case.
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| 07/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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This loan was previously with Springleaf, acquired by OneMain Holding , Inc. This is a trailer that was originally purchased in XXXX. This loan was paid off in XXXX with OneMain. After paying the loan off we were told by OneMain that we had missed payments and therefore we would need to keep paying although we disputed this and when asked how much longer we would need to pay OneMain would not give us a date and told us they would let us know but in the meanwhile just keep paying. We are XXXX XXXX Americans and the original account holder will be XXXX ( XXXX ) XXXX XXXX next year, the joint account holder is in his seventies, as well we are XXXX and on a XXXX income. We felt as if we were being taken advantage of due to our age and just not knowing how to handle the issue or who we could turn to for help. We never received any documentation from OneMain to sign or give us the details of the claimed missed payments. Over the course of almost XXXX XXXX, we have asked many times when we will be done paying this loan and we never get specific answers, nor have we ever received anything in writing. We are paying XXXX percent interest on this loan, which is very high. In XX/XX/XXXX we were told by OneMain that we had not made our XXXX, XXXX and XXXX ( XXXX ) payment although all payments had been made. We finally confided in our daughter who asked that we call OneMain and give her permission to speak with them to help us get the necessary answers needed. We contacted OneMain in XXXX with our daughter conferenced on the call. When asked about the missed payments for XXXX XXXX the representative ( XXXX XXXX stated that the payments had been made but that they were delinquent due to missed payments in XXXX XXXX and XX/XX/XXXX which was the first time this had been brought to our attention. When asked who the CFO or CEO XXXX was placed us on hold and refused to tell us only saying we can speak with the XXXX. Our daughter told the representative that their practice was predatory and that they had violated our rights. We have the receipt showing the payment made from XXXX XXXX. In XX/XX/XXXX OneMain offered to give us what they called a " Settlement '' option to resolve payments that we had made although they were claiming the payments were never made from XXXX and XXXX which they counted as the XXXX, XXXX, and XXXX payments of XXXX. We don't have any idea what type of loan this is that OneMain has us in because we have only received statements. We need help. We feel as though we are and have been the victims of unfair, predatory as well XXXX abuse treatment.
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| 08/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
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THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported.
Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest.
Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and CREDITOR-SELLER your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX is entitled to rescinding the contract.
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| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I submitted a dispute for a 30 day late payment that was inaccurate from Onemain and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit addit
ional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).
( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from Onemain and ignoring my dispute all documents enclosed
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| 03/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
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In XXXX of XXXX I began making larger payments on my account. When you make payments in the app, no receipt of the payment is generated. XX/XX/XXXX payment was {$67.00} over, XX/XX/XXXX payment was {$380.00} over, XX/XX/XXXX payment was {$410.00} over, XX/XX/XXXX payment was {$410.00} over - for a net of {$1200.00}. In XXXX I first noticed that my statement balance was not moving down as it should. I called to complain on XX/XX/XXXX, and was told that OMF would adjust the payments for me. I also asked for a receipt for payment. Which I was told I should receive after each payment - ( those receipts only tell the total payment amount, NOT how the payments were applied to your account ). I never received the receipt with the breakout of the payments.
Again today, I called OMF to ask why the payments have not been adjusted, and I was told that corporate denied the request the week after I called. No one contacted me about it! I asked could I receive a transcript of the conversation with the first agent, and the notes, I was told no.
My complaint is that OMF is engaging in predatory lending by : 1 ) encouraging use of their application to make payments and then " hiding '' the payment breakouts ( screenshot of the payment screen included ) 2 ) Not providing immediate full accounting of payment related activities by way of an emailed, and/or mailed receipt 3 ) Providing inaccurate information ( agent promised adjustment and corporate denied ), then not following up with the customer by call and email 4 ) refusing to furnish the detail of conversations about customers own account - the agents begin each conversation with the announcement that the call is being recorded. The recording of that call should be for the consumers benefit not just the lenders.
5 ) Interest is a timed based element of financing, for every month that I made an overpayment, even if not applied to the principal, the interest should decrease based on the early payment of the next months amount due- which didn't happen either.
The chosen method of accounting for an overpayment is to the advantage of OMF and not the consumer. The consumer should be made aware of what their options are at the time of payment, and/or the over amount should default to decrease the principal balance ( thereby decreasing the overall interest due ). OMF provides services at the very high end of financing rates, greater than 20 % - my own is 24.9 %. I entered into this engagement because I was a business owner struggling through the pandemic and had no other option.
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| 10/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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After XXXX treatment in 2019 I entered into a global pandemic. I was denied all aid from Iowa ( some doctor in Iowa XXXX abrogated XXXX XXXX suggestions of recovery and denied me-twice ). So I got an email from one main financial. I called them and they would approve me for a loan if I gave over my title. I was 6 months behind in my car payment and worked out a deal to settle. One main paid the balance and took the title. I was defiantly a bad choice and they gave me 33 % interest. I had only had a job for XXXX month and was fired XXXX weeks after the loan processed. They did not qualify my work history or even check to see if I had any money. They had me in and out and just kept saying just hit approve. I was seriously drugged on anti-depressants and really had no clue what I was doing. The car had a dead battery and they asked me for photos over a year old to use for an odometer reading ( they didnt care that the car was not functioning at the time-they just wanted the title ). Well I was unable to pay it off and XXXX weeks ago I was sued in small claims court. I didnt understand how to use iowas online system ( much to my chagrin the Iowa courts said I should have gotten a lawyer and that there is nothing I can do. I could try to appeal. However, now that Im 3 year post XXXX treatment and not under 6 months like when I signed my life away I can see how they saw me coming. They offered to get me a taxi to get me in the office. I explained I was a post XXXX treatment patient and needed help with the paperwork. They sped me through as fast as possible.
I know I cant do much now ; I was totally taken advantage of during a time of duress. I was under XXXX months of XXXX treatment at the XXXX and they suggest 3 year of recovery. Which is now. I got taken for a fool at a time when I was unable to make clear choices and these folks did everything they could to get me sign away. They are predators and now that Im able to think clear ; I can see how deep they took me under.
Shame on them ; shame on me for having XXXX. I cant believe how much they took advantage of me in a global pandemic. With my clear head, I never would have agreed to 33 % only have a job XXXX weeks prior to obtaining a loan. One main is a shameful company and I think this agency need to investigate how they practice. Post XXXX treatment me is still awed by how much they too me for a ride. They knew my car was not paid for months, yet by holding the title they knew I was not going to be able to pay them off ; they committed many crimes.
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| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Dear Sir or Madam : As of XX/XX/XXXX TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports.
the items I dispute on the attached copy of the report I received.The information on ONEMAIN reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
This rule is effective XX/XX/XXXX Please reinvestigate this matter and delete the disputed item as soon as possible.
Sincerely, XXXX XXXX XXXX, Thank you
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| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I am 14 years XXXX XXXX and currently a XXXX. This company is refusing to honor my Ohio SCRA rights. The purposefully put in Tennessee as the state for the SCRA request to sneakingly deny me. Then they took one foot note and used that to completely deny my benefit of lowering my interest rate. Ohio is a key provisional state that extends the law to any liabilities and obligations received after serving and up to 180 days of separating from the military. The following request was sent to the company : I am requesting Ohio SCRA benefits to be applied to my loan account. The first time I requested Ohio SCRA benefits I was told I was denied and that my home state on my request was Tennessee when my written requested specifically requested Ohio. My XXXX was also sent to show that I am a resident of Ohio. My second request was denied because of the representative stating that she further reviewed the law and the footnote stating that : Ohio Law Note. The term obligation is defined as, any retail installment sales contract, other contract for the purchase of goods or services, or bond, bill, note, or other instrument of writing for the payment of money arising out of a contract or other transaction for the purchase of goods or services. Ohio Rev. Code Ann. 1343.031 ( A ) ( 2 ) ( West 2004 ).
But that does not matter because the federal law was addressing OBLIGATIONS and LIABILITIES. The unsecured loan I have with One Main is considered a liability. A liability is money you owe to another person or institution.
7.1.1. Covered Debt Obligations The 6 % interest cap applies to all obligations and liabilities incurred by a servicemember, individually, jointly with a spouse,166 or in the name of a closely held business entity.167 In addition, courts have held that the cap applies to XXXX XXXX repayment plans168 and foreign judgments.169 In contrast, some state courts held that the interest protections do not cover debts incurred by servicemembers during or after active duty ends.170 Moreover, debts incurred solely by a servicemembers spouse are not eligible for the 6 % interest cap under the SCRA, but may be under the Ohio Revised Code.171 If my request is denied again I would appreciate a denial letter specifically stating why I dont qualify for Ohio SCRA benefits. Thank you hope to hear from you soon!
Any help on getting this matter resolved would be greatly appreciated this is the only financial institution that refuses to honor my Ohio SCRA benefits. Thank you.
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| 07/10/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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XXXX contacted about collecting a debt that I have already paid. They served me by Certified Mail, on XX/XX/XXXX ( Date received ) of an account which they planned to accelerate. The actual date of the letter is ( XX/XX/XXXX ) and the debt is identified as Loan # XXXXXXXX. I do not have any responsibility for the debt youre trying to collect. I have already paid this loan off with the original lender in XXXX of XXXX.
The account is already settled, already paid. American General Finance ( Loan No. XXXX ) was paid by XXXX XXXX XXXX XXXX on XX/XX/XXXX in a refinance of my home loan. ( Loan No. XXXX ) Payoff to American General ( {$48000.00} ) per ( Escrow # XXXXX ) Funds were over-nighted XXXX XXXXXXXX to American General. Deed of Reconveyance recorded XXXX XXXX of XXXX CA.
After they re-aged the debt, attempted a foreclosure on a property they had no legal right to, pressured us by attempting a Trustee Sale, I had to pay late payments, your attorney fees, and foreclosure costs for a debt Ive already paid which violates California Code, Code of Civil Procedure - CCP 726 ( a ), There can be but one form of action for the recovery of any debt or the enforcement of any right secured by mortgage upon real property or an estate How does this madness end?
Even if I owed this, this Debt would be time-barred by now. It is well-established that it is a violation of the FDCPA ( Fair Debt Collection Practices Act ) for a debt collector ( including a debt buyer ) to file an action in court to collect on a time-barred debt. It likewise is a clear violation of the FDCPA to threaten to file such an action. Debt collectors, including debt buyers, may violate the law not only if they file an action to collect on time-barred debt, but also if they engage in deception in collecting on time-barred debt. When collectors attempt to recover on debts, in many circumstances, such efforts may convey or imply to consumers that the collectors could sue them if they do not pay. If the debts are time-barred, this message would be false or misleading, because the collectors in fact can not legally file an action against them if they do not pay. Information about the consequences of not paying debts being collected appears to be important to consumers in deciding whether to pay debts and in what order to pay debts. You are violating Federal Law FDCPA : 807 by using false and deceptive representations to force me to action on this debt, especially when I dont owe it.
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| 04/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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The purpose of this email is to voice my concerns about an incident that just occurred over the phone when I called the XXXX, XXXX branch to request a permanent due date change for my loan. I am XXXX XXXX XXXX, a fairly new customer that recently received a loan from the XXXX branch. My experience up until this point was nothing short of amazing. The banker who processed my loan was wonderful, attentive, and a pleasure to work with. He was the reason why I decided to move forward with agreeing to the loan. Also, my experience with him impacted my decision not to refinance for a lower interest rate when I received multiple officers in the mail from your competitors.
Unfortunately, the phone call that I just completed with XXXX XXXX has negatively impacted my view of your Financial Institution. When I explained to XXXX that I called to request a permanent due date change because of the adjustments that I implemented with my new budgeting system, she responded to my request as if my loan was delinquent and she was a collections representative. When she repeatedly asked me, " What's going on now that you need the change? '' I interjected because I had already articulated clearly the reason for the request. When I interjected while she was speaking, she told me that I was being " derogatory towards her and condescending. '' I was flabbergasted at XXXX 's response. How is it derogatory for a customer to interject to ensure that the representative understands your request especially when their response doesn't align with what you are trying to convey. XXXX was rude and did not provide me with a superior customer service experience.
I was treated like a delinquent customer with a past due bill. This is unacceptable especially when all I am doing is adhering to a budgeting system that works for me which is what most responsible consumers do to stay on track financially. I am not sure why XXXX reacted in the manner in which she did, however, this situation needs to be addressed by your management team. Can you please review the call/interaction and perhaps re-train her on the necessary soft skills needed to provide customers with the appropriate care and respect?
It is my right as a consumer to change my due date by law and it is unacceptable for a banking representative to create verbal barriers that imped upon your ability to do so.
Thank you for your attention to this matter.
XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Acct # XXXX
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| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I am writing to formally notify you of the unauthorized ONEMAIN inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY!
According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.
Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section.
Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile.
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized ONEMAIN inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report.
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.
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| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem when making payments
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Web |
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As many people are hitting on hard times, so am I. I was reaching the point of not being able to make payments, so before I missed any payments I applied for hardshihp status through a Debt Restructering Program and I was approved. One of my debtos was One Main Financial - I removed my Auto Pay, talked to my local branch rep, XXXX, and advised that I had entered the hardship program. I cancelled my autopay in XXXX. I talked with XXXX at XXXX XXXX in XXXX. I explained to her that I had cancelled my Auto Draft, provide my Case # with XXXX XXXX, who is handling my Debt Settlement Case. I advided XXXX that any future payments and communications would be through XXXX XXXX - XXXX took the case number and contact info and did contact GRT Financial to confirm. I had removed my Auto Draft Information from the One Main Financial Portal and talked directly with my representative at One Main Financial. On XX/XX/XXXX, XXXX Main took a payment from my account in the amount of {$300.00}, which caused an overdraft of over {$100.00} and cost me an Overdraft Fee of {$30.00} - I immediately contacted One Main Financial, my branch had already turned my file over to the Main Office that handles these Debt Settlement Cases. I contacted that office at XXXX - and talked with a supervisor there who denied my refund request, using some policy loophole they seem to have in place, saying I did not specifically state to One Main Financial that I wanted my Auto Pay canceled - She also stated they work with XXXX XXXX EVERYDAY ALL DAY - so that tells me she knows and fully understands the process. She claimed XXXX at the Branch did not note that I made that Verbal Request - My argument to her was : I did make that understood, very clearly, that I had cancelled the auto draft, and that all future payments and communications would need to be communicated through XXXX XXXX. Apparently, according to this supervisor, I had to state directly to XXXX - " I want YOU to cancel my auto draft. '' They took unauthorized money from my account, and they claim its my fault because my communication with them did not meet the criteria of their written policy. The fact she acknowledges they work with XXXX XXXX also tells me she knows the legality of that process, and what One Main Financial did by using some verbal loophole is predatory and to my understanding, against the law. I am requesting that One Main Financial reimburse me {$330.00} immediately. Thank you!
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| 06/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint against OneMain Financial for deceptive practices and harassment Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against OneMain Financial regarding their unethical and deceptive practices in relation to a loan I obtained from them. I am deeply disappointed and frustrated with their actions, which have caused financial strain and compromised my safety.
On XX/XX/XXXX, I applied for a loan with OneMain Financial through their online platform. At the time of application, I was not informed about the exorbitant interest rate that would be charged on the loan. This lack of transparency is both unfair and deceptive, as it prevented me from making an informed decision about entering into this loan agreement.
Furthermore, I would like to bring to your attention the manner in which OneMain Financial has been contacting me. Despite my repeated requests to cease contacting me while I am driving, their representatives continue to call me incessantly, which poses a serious risk to my safety. In one instance, I received a call while I was driving, and the distraction nearly caused an accident. This disregard for my safety is unacceptable and should not be tolerated.
In addition to the interest rate discrepancy and the incessant phone calls, I would like to highlight the fact that the loan in question was secured by the title of my vehicle. This collateral arrangement has further added to my distress and XXXX. It is deeply concerning to think that OneMain Financial has the power to repossess my vehicle if I am unable to meet their unreasonably high payment demands.
I believe that OneMain Financial 's practices are not only unethical but also violate the principles of fair lending and consumer protection. I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against OneMain Financial to ensure that other consumers are not subjected to the same mistreatment.
I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights and ensuring a fair and transparent financial marketplace. I appreciate your attention to this matter and look forward to a prompt resolution.
Thank you for your time and assistance.
Sincerely, XXXX XXXX
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| 01/25/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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IRS FRAUD and United States Code Law Violations One Main Financial Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION One Main Financial is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. One Main Financial has not provided consumer with official treasury forms filed under consumer social number as described by XXXX as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time.
As for the XXXX, XXXX, XXXX that One Main Financial has filed with treasury department under the rules of the XXXX company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. One Main Financial is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form XXXX along with other applicable XXXX IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under One Main Financial with the XXXX XXXX XXXX along with all XXXX IRS forms needed to conduct an audit on consumer account.
One Main Financial has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. One Main Financial immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.
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| 04/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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They claim they can not accept my negotiable instrument, and failed to return, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law.
They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer rights.
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| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2023, i received an alert on my XXXX consumer report of a balance increase of {$69.00} totaling my amount owed as {$1300.00}. When I called OMF and spoke with the credit department, they confirmed that my balance was lower than what was reflected on my consumer report. This inaccuracy caused my credit score to drop by XXXX points. I was also made aware that OMF reports to the CRAs in the first week of every month. However, my payment isn't due until the XXXX of every month. I submitted a complaint to OMF ( attached ) which completely negated this issue. Now on this day it is XX/XX/2023 and my balance is being reflected on my XXXX, XXXX AND XXXX reports as {$1200.00}. My balance reflected in my OMF account is {$1200.00} with no balance owed and no late fees ( attached ). This is the SECOND time OMF has communicated information to the 3 CRAs that is inaccurate. I am entitled to either have my information reported ACCURATELY under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ; ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors and ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
ALSO UNDER SECTION : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
They have a DUTY to correct this information because it is not accurate!
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| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I recently surrendered a vehicle that I had re-financed with One Main Financial because it was falling apart. The repairs needed to make the car functional, which was going to eventually include a new engine, was more than the actual value of the car. I had re-financed with them to get a better rate, and had paid them $ XXXX over the XXXX years since I did the original re-fi. The car was never worth as much as the re-fi was for ( about XXXX ), but I needed a car, and I am not a mechanic, but I had a few places that I could go to for help that didn't overcharge me, so until the car REALLY started breaking down, at least I was breaking even ( in retrospect ).
So late last year, I started getting offers from One Main Financial to re-fi, again, to an even lower rate, with subsequent lower payments. Never XXXX to turn down a lower payment, I went for it. Only this time, every time I turned around, there was XXXX issue after another. A XXXX ton of miscommunication ( I would be told different things by different people ) followed by several extra payments, followed by having to call corporate. Then on top of everything else, my car got broken into, which my insurance didn't cover, and I got slammed out of pocket for that, As well as the burgeoning engine problems. It got both ugly AND expensive.
When I went to surrender the vehicle, One Main Financial made the process EXTREMELY difficult. They tried not to take the car back ( wouldn't give me information on how to surrender the vehicle, got REALLY nasty with me over the phone, refused to talk about ANYTHING other than me continuing to make payments, etc ), then when they finally made an appointment for me to surrender the vehicle, were absolutely rude when I came into the office.
So my current quandy is this : They sat on the car for XXXX months before they sold it at auction. The car was only worth {$5500.00}, which is what they sold it for. Now they are demanding $ XXXX for the difference in what I owe them on the re-fi. They already have $ XXXX of my money + {$5500.00} that they sold it for on a car that was only worth {$5500.00} to begin with.
I received the attached letter in the mail earlier this month, informing me of what I still owe them, and telling me to contact them. If you look at the letter, there is NO contact information. I feel that this is a setup to sue me in court to obtain a wage garnishment.
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| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I received a phone call from XXXX from someone who sounded like he was from XXXX or XXXX wanting to finish the details of a loan application. I had to repeatedly ask him where he was calling from and he said, " One Main Financial. I am in terrible financial shapes after not getting XXXX or unemployment or even the Covid checks because of a car accident. I needed a personal loan and unfortunately, got caught up in the websites that don't sell loans but send to other aggregtators so you keep receiving billions of texts only to continue filling out the information with no direct loan opportunity except payday loans. So the man asked me how much I wanted and I told him I really need {$4500.00} but definitely have to get at least {$1500.00}. He said that it says between XXXX - XXXX at {$150.00} per month was on the application and was that ok. That tipped me off because this amount I put down the first time I went through this cycle in XXXX. No financial institution waits one month to get back in touch. He then wanted my checking routing and account number to deposit the funds. And I asked him to tell me what options I have for paying back the loan in terms of mail, ACH, bill pay or do they perform a sweep to my checking account. He kept on repeating his request for my info. and acted like or maybe really didn't know or was prepared to answer a simple question that I had. I kept asking him and then said to him does One Main Financial take ACH payments or Bill Pay? Still no response except for wanting my info. I asked to speak to a supervisor or manager to find out if this was legit and the answer to my simple question of how this institution gets paid back. He didn't even try to put someone on the phone and asked if I wanted the loan or not. I said, thanks your acting in a fraudulent way and I'm reporting you because you can't even answer a simple question but want my bank information. I called the loan inquiry number at One Main Financial and their automated system said they don't have my phone number on record for an application. I hope that One Main Financial can respond and inform whether they have an employee or contractor that possesses this phone number. If they do, much needed training is necessary and I'll apologize to them for implicating fraud because thats a serious charge. But, I don't think it was them and they should be made aware.
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| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Upon losing my wallet in XXXX that contained my social security card, ID, cash, a few checks and a host of cards I filled a police report XX/XX/XXXX with XXXX police department just in case. It wasnt until my wife and I decided to look at our credit for a future investment in XXXX when I saw a loan from One main being reported in XXXX. I contacted the creditor in hopes of fixing this issue multiple times. I have been going back and forward with them providing police reports, proof of my current AND prior lease showing I stayed more than a hour away, proof from the IRS that also showed that the person tried to file taxes under my name that year fraudulently that I now require pin protection on my taxes from that particular identity theft, and attempted to send information about my bank account being closed due to fraud as well because of payments coming out from unidentifiable places in which the BANK noticed. However no proof is good enough for this company and now it has been MONTHS with no resolution. They ask me to provide something and once I provide that proof they ask for something different in a continuous loop in hopes to make me pay for something I did not do. Even my police report wasnt good enough because it didnt say One main fraud loan. Well of course it dont because I filled the report when I noticed my wallet was missing proactively, I didnt think something would have days ; weeks ; and months later! I checked my credit in XXXX after the irs thing happened to check if anything else occured and nothing else at the time happened so I thought I was in the clear. Well they actually asked me to go get another police report that said that ( I did, still they came up with something else to request ). Again this happened in XXXX when I lost my wallet, I caught this fraud account in XXXX. I now literally call multiple times a week to try to see how the process is going and what more I can do to prove this was not me and now its becoming more of a hassle. I just want to finally move forward from this seeing that this is the last fraudulent thing Ive caught from that guy and they are making it impossible. The last thing I want to do is pay it but after all this headache I asked how can I just settle out on whatever the balance is. They gave me an email to write and the person doesnt respond half the time. This company is horrible!
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| 07/29/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
ONEMAIN XXXX XX/XX/2017 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 06/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Servicemember |
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on or about XX/XX/XXXX, i applied for a secured loan with one main financial in XXXX indiana.
i submitted all required paperwork, and my loan was approved with a re-finance of a vehicle in my name that has quite a bit of equity in it.
i was very clear in every step of this process that the vehicle in question was registered in North carolina, as i am a nice mom and purchased this vehicle for my daughter.
One main even informed me that they were aware of the vehicle being registered in North carolina. they confirmed this as true as they were able to see an electronic title and registration for my vehicle.
i went into the branch in person to work on the paperwork for loan closure.
when i went into the branch the manager informed me that they assumed my vehicle was registered in Indiana since north carolina and indiana vehicle titles look the same Even though i asked repeatedly they were aware the vehicle was titled in NC.
one main said sorry, we cant do this loan and denied it.
i received a letter with adverse credit actions taken- which i dont understand as the loan was approved.
I reached out to corporate on XXXXand asked why a financial institution is not doing due diligence to validate customers Personal information when applying for a loan.
I also want to know what the adverse action letter was received that my loan was denied for high loan to income value - but the loan was Approved.
corporate called me back on XXXX and said they would investigate but would be leaving the office early. they asked i provide a copy of my vehicle in questions registration, which i did on XX/XX/XXXX.
when i did not hear back from corporate by XX/XX/XXXX i reached out again to ask for an update.
corporate gave me the run around again, saying they did not receive my registration photo ( why they didnt reach out and tell me this no idea ) so i resent the copy of registration again on XX/XX/XXXX.
It has no been almost 30 days and i still have no answers on why the loan was approved and then denied with false reasons, why i received an adverse notification letter, and why one main who is a financial institution has no regard for customers PII information, or does not do due diligence when working through a loan.
i myself work in a financial institution, and this is NOT the way we treat customers and their sensitive data.
|
| 11/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
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|
Web |
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Hello Sir or Madam, I was contacting you to get guidance on filing a complaint against One Main Financial, Owned by XXXX XXXX, account # XXXX. I have had an account with them for years and never had an issue until now. When issues with COVID first occurred I was having a hardship making payments in XXXX. I called Onemain XX/XX/XXXX to make arrangements and was told they have a program for covid that can help so I made arrangements to start my payments when I knew I would have money coming in to pay. I asked if I would be marked since I missed payments and I was told no due to the covid program.
This year I ran my credit report and they marked 4 months late when I was told they would not. This has impacted my credit significantly causing issues for me now when starting my own business. I contacted one main and their credit dispute department told me to send them a letter and it would be corrected. I filed a dispute in XXXX and did not hear anything, filed again on XX/XX/XXXX, I followed their instructions and sent the letter and approximately 20 days later received a letter from one main stating that the records were correct that their Covid Program ended XXXX of XXXX which doesn't make sense when the shutdowns did not occur until after that time. I have requested the transcript for the call two times with no response from the company, and the representatives I have spoken with will not read me the notes from the day the payment arrangements were made only that they acknowledge the conversation that day.
I requested the transcript from the recorded call that I had in XXXX which would show I was told there was a program and there would not be an issue as long as I made the promised payments which, I did. Since my last request in XXXX, they have not responded nor provided me the transcript for the original call in XX/XX/XXXX. I advised them in the last letter that if they did not provide the information I would be filing a complaint.
This issue with one main has significantly impacted me credit-wise and I have resolved other issues I had during that same time. The impact on my credit puts me just below the range I need in order to get the loan I need to complete my construction for my business.
Thank you for your time and consideration of this matter referenced Account XXXX Any assistance is appreciated.
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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|
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 07/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/23 I applied for a loan with One Main Financial, initially through a link on XXXX XXXX. Nothing on One Main 's results on XXXX XXXX said that the loan was a secured loan. The button I clicked, in fact, said " Take this offer ''. I clicked it after reviewing the terms of the offer. Nowhere did it say this was a secured loan, and in fact, other offering below the One Main offers were clear that they were secured loans.
Since I was " taking the offer '', I clicked to accept the terms and authorize a credit check. The response was " you're approved '' and this was on One Main 's site. Nothing to indicate that this was for a secured loan. I filled out some information for open an account with One Main and then they asked for my car insurance and car ownership documentation. Although there was still nothing from One Main to indicate that this was a secured loan, I was suspicious. I called One Main and waited on hold for 45 minutes. Their person- on a recorded line they said- told me that I was not approved for an unsecured loan, but for a secured loan. I asked if they had done a hard credit check. He said yes. I advised him I was making this complaint.
My complaint is this : This practice is bait and switch. One Main offered me a loan, presented the interest rate, the term, and the monthly payments and made no mention of the " secured '' nature of the loan- in fact never did until the male customer service person told me about it. Their acceptance button said " take this offer ''. Even in their Document Verification screen, in which they asked for pay stubs, and the car registration and insurance information, made no mention of the secured nature of the loan.
At the very least, this is a sleazy business practice, but it also rises, in my opinion, to bait and switch, and possibly misrepresentation.
Second, I applied for, and was approved, for a {$2000.00} loan. Yet, the confirming email from One Main states, in the fine print, that the minimum loan for Virginia residents is {$2600.00}. That confirming email did not appear until after the application. So they offered me a {$2000.00} when they knew, or ought to have known, that even if approved, the minimum must be {$2600.00}. [ Screenshot attached ] What explains why they would offer a {$2000.00} loan and then state a {$2600.00} minimum?
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
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XXXX XXXX i called XXXX XXXX XXXX .This is when my car broke down other one. I was lied about cost of repairs .Picked car up my XXXX took it to my storage, Until my garage man came back from vacation. XXXX XXXX XXXX said it was timeing belt. Tried to tell me head needed fixed, Then said it may need a new motor. Looked on line .I knew it wasnt that. Garage charged me to look at it .I got it towed to my storage unit. Until my garage got back Then towed it to his garage, In mean time i had no car, Was not sure on cost etc. I was settling on my home. Needed a car to move etc. I called XXXX XXXX up .They told me about this XXXX XXXX XXXX. They even picked me up. I thought my interest was going to be 15 percent instead was higher, Then when i finally got other car back .Found out it was a fuel pump. I got it towed home. Thought it wasnt running.Was told this XXXX tow charge. XXXX would not tow again.It would of been my XXXX tow, They said i could only call in 4 times. One time i got locked out of my car. They said that counts. I have always paid for XXXXXXXX XXXX Does not state you only are allowed 4 calls. Any ways tow man said why did you get it towed, I told him it doesnt run. He said it did and showed me. When we lifted hold. Parts were off bolts etc. I called first garage he said he didnt do it .My guy said he didnt do it. Any ways my son fixed one part. When i found out it ran .I took it back to my garage insp/ emission/ oil change pipe repair also he put on lost bolts. I could not afford car payment insurance on 2 cars. Kept insurance on old car until i just sold it. Any ways i called members first my bank to refinance. Was turned down. I sai d why yjey told me .My car is worth XXXX my miles are now XXXX something sold to me XXXX ask them why they wont refinance, They said my car is not worth that amount. Theloan is XXXX .They got vaule from XXXX first got this vaule .I went into shock. I did get a XXXX warrenty. I calledXXXX XXXX. They gave me run down.I ask them if that vaule wasnt on that car, How did i get the loan .Was told they help people out. Their credit etc .I pay my bills worked hard to built credit was shocked for the loan rate i did get. But my hands were tied .I needed something to drive. I dont understand how i got that loan .If that car wasnt vauled at that. Thank you
|
| 10/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I am writing to file a formal complaint against OneMain Financial, regarding their deceptive lending practices that have significantly affected my financial stability. I am deeply concerned about the illegal sales and lending practices employed by this institution, which have left me, and presumably many others, in a precarious financial situation.
I am a military dependent, and as such, I should be protected from deceptive and predatory loans. However, after taking out a loan from OneMain Financial and diligently making payments for a year, I am distressed to report that my loan balance has not decreased as expected. This alarming situation has caused me significant financial stress and hardship.
According to the recent enforcement action taken by the Consumer Financial Protection Bureau, OneMain Financial engaged in deceptive sales methods, including upselling and deceiving borrowers about the necessity of purchasing add-ons to secure loan approval. Employees were reportedly coerced into promoting these add-ons, and in some cases, these products were added to contracts without the borrower 's knowledge or consent.
Furthermore, it has come to my attention that when borrowers requested the removal of these additional products, the process was intentionally made difficult. Some employees even went as far as hiding disclosures from borrowers, which is a blatant violation of consumer protection laws.
I am deeply disappointed that I, as a military dependent, was subjected to such unethical practices by OneMain Financial. These actions have not only affected my financial well-being but also eroded my trust in financial institutions that are meant to protect consumers, especially those affiliated with the military community.
I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate actions against OneMain Financial. I also request that my case be included in the list of impacted borrowers eligible for refunds, as outlined in the CFPB 's enforcement action.
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to hold OneMain Financial accountable for their deceptive lending practices and ensure that affected consumers receive the redress they deserve.
|
| 08/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Attaching a graph of the 3 bureau reports for the last two years may seem too complicated to assign each question. However, when there is unusual activity, there is always a pattern to be found. In my case, I narrowed it down to three patterns : ( A ) an agency would have " hard inquiries '' multiple times in XX/XX/XXXX hours ; Never hurt my credit report. ( C ) There is also this kind of company. They not only promise to only do soft checks, but also obtain all my personal information, including my social security number, birthday, etc., and finally perform hard-core queries. They also have this kind of artificial intelligence program, just Like a regular draft, is a system where after a few months, hard queries are automatically made. That means they want to play it safe but don't care what happens to my credit history. Unfortunately, when the above activities are piled up by certain businesses after multiple foul play, the trouble becomes a nightmare on my credit report. A few years ago, I was a victim of identity theft. I've been working hard trying to get my credit score back on track. It took me at least four years to go from penniless to more than XXXX XXXX Recently, due to an unexpected incident, the clouds were immediately stirred up, causing my credit report to drop more than XXXXXXXX XXXXs in an instant. One of my creditors, XXXXXXXX XXXX, incorrectly reported delinquency to XXXX twice, even though they were able to make a correction with XXXX after I challenged XXXX XXXX? However, the damage has already been done. It looks like they could easily drop my credit score by over XXXX XXXX XXXXt, but climbing back to where it was ( XXXXXXXX XXXX short ) would be very difficult. Came back after I called XXXX to find out the number of hard inquiries was blocked. This may sound like a drama, but my own life has been severely disrupted and disrupted in many places. In today 's society, a credit score out of XXXX divides people 's quality of life into different groups. I have spoken to XXXX and they have advised me to report the fraud to the FTC. To sum up, I now have a total of 8 hard inquiries in dispute XXXX, except for the earliest soft inquiry on XX/XX/XXXX, which was counted as a soft inquiry with my consent, and all others were without my knowledge. Their caprice.
|
| 05/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
A personal co loan application was submitted to OneMain FinaciaXXXX around XX/XX/2021 for XXXX XXXX and XXXX XXXX. All requested documents were uploaded properly and on time including hi paystubs of XX/XX/2021. The loan officer XXXX conducted unprofessional behavior towards the application of the personal loan. When additional information was requested to verify ID a week later of the loan application after having the ID on file from being a customer of a car loan ( which monthly payments are made onetime ) XXXX the loan officer of XXXX, FL didnt not return calls in a timely manner to complete the process of the loan.
XXXX informed us through phone with no email that the loan was approved on XX/XX/2021 but when work verification was applied at the end it decline due to XXXX XXXX working status. XXXX was very unprofessional when she informed me the cosigner work history and last day of work. XXXX also informed me the reason for the cosigner ( XXXX ) was no longer working at the time.
The documents were submitted on time within two weeks of work earnings. XXXX also informed us that we couldn't use a cosigner out of another stated if decided to reapply.
XXXX 's professional conduct to inform me/us of details of the cosigner was illegal and too much information was given about the cosigner work status XXXX XXXX XXXX XXXX.
When I contacted the cosigner 's XXXX XXXX XXXX employer to verify if anyone called to get a work verification form the agency stated no. I am uncertain how XXXX 's knowledge of the cosigned was given since no work verification form was submitted nor requested.
I am asking for investigation to be conducted to determine at fault and wrongful doing.
It is lawful for someone to give information to any third party without proper consent nor does any third party has the right to know when the last day work or personal status. The documents were submitted on time. I find it strange for someone to approve a loan without submitted accurate work stubs. XXXX 's information of dates of paystubs were inaccurate. I submitted the correct recent two paystubs and the loan was approved and then we received a call to saying the loan didn't go through.
I find XXXX 's action of loan processing illegal.
Thank you for you time and assistance.
XXXX XXXX
|
| 08/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have contacted One Main Financial at the beginning of XX/XX/XXXX to get a permanent loan modification for account number XXXX. It would lower the interest rate and lower the payments monthly for me. When i first called to apply, I was given a hard time by the first rep i spoke with. The rep asked me " What is my medical condition? That would justify a loan modification. " That is a HIPPA violation i explained to the rep. He proceeded to say, " we have an interest to know what the medical issue is because I have an unsecured loan with One Main. Basically saying they have a right to know. I asked for a supervisor. I was then in contact with XXXX XXXX throughout most of the duration. She took my application over the phone and noted the account accordingly. I then waited a few days. I spoke to a rep in customer service who advised I would need to fax in proof of medical expenses from a bank account with 2 months worth of statements. I explained I either pay in cash at the doctors or with a credit card. Otherwise, my bank account would be in the negative. I would have a deficit of income if i didnt pay with credit card. On XX/XX/XXXX my modification was denied due to not meeting the guidelines as there is no reduction in income. I have {$13000.00} in medical bills, 12 payment plans with various doctors. There may not be a reduction to my income yet, but there will be within the next month. I am on FMLA and I am required to use all my paid time off first, once that is exceeded then the time off is unpaid. I have various doctors appointments almost every other week. With that said, my hours will be reduced without pay. Im trying to be proactive and get a jump start ahead on this matter before it damages my credit rating. on XX/XX/XXXX I was able to get One Main to let me make a deferment payment to get me current for now. I will be past due again after XX/XX/XXXX and unable to make the payment in full. One Main does not care about my financial situation and does not care if i can make anymore payments. They proved that by denying the loan modification. Eventually, this loan will be closed, and charged off and sent to collections due to them not helping me during this time of pandemic with my health issues and covid-19. The account number is XXXX.
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On or around XX/XX/2022 I became aware that my personal information was used to take out a {$1800.00} loan with One Main Financial. Within the course of several days after that I did what they asked and provided a signed notarized affidavit, police report, and my Driver 's license. I took further steps and froze my credit and put a fraud alert on my account. A couple of months pass by and I received a call from the XXXX XXXX at the local branch saying that the fraud department deemed the account as not fraud and they were going to collect. I was of course amazed and wondered how they came out to that conclusion. I contacted the fraud department and they said they sent a letter ( that I have yet to receive ). They said that if I want any further information that I have to issue a subpoena. They refuse to disclose their findings and ask that if I want them to reopen the investigation that I need to submit more information that will help them further investigate, but I already sent them everything that they told me to send and without my file I am unable to present contradictory evidence. On XX/XX/2022 I sent them a certified letter explaining my position. On XXXX I get a call from the local branch trying to collect and I reiterated that I reported the account as fraud. The representative ask that I send a copy of my bank statement. On XXXX I send a copy of my bank statement to the local branch. I also send the same bank statement to the fraud department to reopen the investigation. In the course of this they also wanted me to send an updated police report naming the suspect which I was not able to obtain because the police department will not release an unredacted police report to me only to an attorney or a police official. I tried to explain this to the company, but they said that they will not work with the police that is something they don't do and unfortunately they need an unredacted police report. Today on XX/XX/2022 only 1 day after me providing my bank statement and letting them know that I was not able to obtain an unredacted police report they said they closed the investigation and found no fraud and were going to collect the money owed. The account is also still being reported as late payments and reflecting on my credit report.
|
| 03/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/2022, I called the XXXX OneMain office to advise our automatic payment would need to be moved from XX/XX/XXXX to XX/XX/XXXX, due to complications with finances after my husband changed jobs. XXXX, the store manager, offered a deferment of principal if we paid the interest portion on XX/XX/XXXX. I accepted the loss mitigation offer and advised that the email on the loan needed to updated to my email and my husband 's email removed. I was advised this happened and then set up the post-dated payment for XX/XX/XXXX. In the past, during calls soliciting new loans, my husband has asked for his cell phone not to be called. On XX/XX/XXXX ( may not be the right date, it was before the XXXX and after the XXXX ), XXXX from the same OneMain office called my husband 's cell phone and asked when we would be making the remainder of the XXXX payment after I had already made the arrangements for the deferment and had the payment for the interest portion post-dated. I advised him then that the phone call was not warranted as I had already called and made arrangements. Then, on XX/XX/XXXX, our interest portion was debited from our account but the confirmation email was sent to the wrong email. This is 3 violations of contact rules in less than 30 days.
In addition to this, I was lied to in the beginning when we signed the loan and had to correct the person closing the loan. I asked if there were any prepayment penalties for paying off the loan early and was advised there would be none. I clarified by asking if I paid a lump sum, it would be applied to the principal and accrued interest for that month and any fees and the loan would be paid out, right? She advised, no, the lump sum would be applied to payments and extended out. I told her then that is considered a prepayment penalty and then I would not actually be able to pay out the loan whenever I chose. This is a deliberate lie being told to these customers. I don't know if they have since changed their policy, but as far as I know, I was lied to and am trapped in this loan until the term is completed. At the time, I had no choice because I needed the money but I find it unacceptable that they would advise this, especially to people who do not have the knowledge about lending that I do.
|
| 11/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a title loan with one main financial about XXXX ago roughly. Unsure of exact date. upon taking out this loan I was forced to pay child support as well as arears child support, my house payment increased by upwards of {$400.00} a month, my house had a slab leak and flooded and was not covered by insurance due to the age of the home which was unware to me at the time of purchase of the home and insurance policy. This was a {$5000.00} repair not including cleanup. On XXXX of XXXX I owed {$11000.00} somehow now a year later XX/XX/XXXX while making set up half payments with them at 30 % or less interest I currently owe {$11000.00}. They call me all hours of the day and even nights and weekends. At home, work, even on my work cellular. I have phone records for proof. Sometimes before the due date. Even after I try to set up an installment plan I can afford or asking for deferment options they continue to call and harass. I have even given them dates to which I will be paid and tell them I can make a full or partial payments on a certain date. They will continue to call and harass me, my job, and my work cellular phone. When a partial payment is mentioned I am threatened with the loss of the collateral as it is not a full payment. I have tried numerous times to have my payments amended to something more affordable but continue to be harassed when paying what I can. As before mentioned I have been contacted XXXX or more times a day on all numbers after or on the due date when payment is not received. I have explained numerous times I have a wife and XXXX children and have to have a home therefore that payment must be paid first and have been told they didn't so much care for that as long as their money was paid back but after making over XXXX years worth of payments the loan started at {$12000.00} and is Currently at {$11000.00} and from {$11000.00} the previous XXXX ( XXXX ) until the recently passed XXXX ( XXXX ) have only gotten {$23.00} worth of credit towards the loan. Any help with this issue would be greatly appreciated as I am doing all that I can to provide for my family as well as fulfill without my obligation preferably not being harassed day and night at home and at work.
|
| 08/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer.
I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again.
My father, XXXX XXXX, applied for a loan with this institution. He went through a lengthy process for a complaint from a previous issue with the loan. Then, he apparently just went back to them within the last 2 months and applied for a loan. He was granted a {$15000.00} loan for a lawyer while on XXXX only making {$2500.00} a month in income and divorcing my mother. Not sure what he used as collateral, but I'm making {$75000.00} annually and they granted him a large loan and he will be unable to actually pay it soon.
I'm not in my situation by choice. I didn't create this!
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ).
I have already reported this to the XXXX credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX # XXXX XXXX
Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023.
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
|
| 02/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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I took out a personal loan from One Main financial for XXXX. I paid it down to like {$6500.00}.
i started having some financial issues & sought help from XXXX. XXXX XXXX XXXX The negotiated to pay off XXXX the debt with One main. I decided i no longer liked XXXX & started paying off debts myself. One main then negotiated with me installments of {$150.00} to be deducted from my account every month. I have that paper. at the end my last payment i called and said can i have proof of my payoff & the lady that negotiated with me advised that was my proof. I would still be getting notifications /c it was automated. I did so i disregarded anything from One main. I then went to pull my credit b/c i wanted to purchase a residence, ( but couldnt/ cant b/c of this ) an amount of est $ XXXX is with a collection agency. they said its from non payment to One main. Ive been going back and forth. They said they dont have that phone call, but they have all the others. I also asked for proof of the {$1000.00} they said i didnt pay and that voided the negotiated terms, which they still have not sent me. So now after paying them est {$3000.00}. they sold a debt. to a collection agency for est. $ XXXX. it makes NO sense to me. The collection agency did not even have all the accurate information. I provided them with the negotiated debt with One main & XXXX. When i called one main the first time. They said they dont have any information on my account b/c it was sold to the collection agency. Then after multiple calls to XXXX they were able to find the information. The CA sent me list of bills that XXXX had sent to me that i disregarded b/c i was advised to do by XXXX so after my last payment. Also mean while they are debiting {$150.00} each moth im still getting bills for large payment amounts and late fees. They Do not have the process in order or the information. its not right that i now have this negative mark on my credit report & delaying my house buying process b/c of this. On top of that its very frustrating and causing me XXXX to deal with this thinking i have to pay for something i already paid for. I keep loosing out on good deals for homes b/c this messed up my scores.
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| 09/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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This loan was offered through XXXX XXXX, applied to for the loan. Was approved for XXXX USD. Upon applying for that consumer transaction, ONEMAIN, is now requiring collateral which was advertised as a option not mandatory to have, to be given this loan which is already turned into a Promissory Note aka a security instrument, this was on XXXX. On XXXX until present day, have been seeking to speak to the Branch manager XXXX XXXX and the underwriter, as of today XXXX, one called spoke with XXXX XXXX and she would not get one access to the Underwriter and said she will have her assistant manager reach out, spoke with XXXX XXXX, asked to speak with the underwriter was nformed that the underwriter is a computer, so a computer is securitizing these Promissory Notes? Informed both individuals of their violation s of the Consumer Protection Act and Laws which they did not even look at each code one gave XXXX continued to keep speaking on Fair Credit Act and disregarded the Consumer Protection Act and Laws. Today XXXX, Before reaching XXXX and XXXX, one spoke with the main call center and asked to speak with the underwriter and was informed that they don't have a number and that the Branch Manager would have to give one access to speak with a underwriter. With this information and with what one was informed by the Branch Manager and her Assistant Manager clearly there's deceptive practices transpiring here. Nothing is matching up to the truth. They have access ones credit and now requiring a down payment to receive the loan when this is in fact a Consumer Transaction and not a credit transaction and as a consumer one stated " want a listing of all factors were involved with this consumer transaction '' was denied this also. This is clearly a violation of multiple consumer laws. Charging to access one 's credit after already pulling a hard inquiry. 15 U.S.C. 1681 15 U.S.C. 1611 15 U.S.C. 1692j 15 U.S.C. 1601 Note - was informed that this was an unsecured personal loan and needed to give collateral however that's not what is advertised. It's advertised the opposite way and as for the location being Utah, there's no stipulations as of loans in that location.
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| 08/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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Regarding response to original complaint # XXXX. Information is not accurate. Response is generic and doesnt help with the accuracy of my issue. My complaint is payment and interest reflection is incorrect. Ive made all my payments on time and most always before the due date for the full amount. In the companies response its stated that I didnt always make full payment/ and or consistently is incorrect. How is that statement correct when they acknowledge Ive never missed a payment? and stating my payment were not in full payment so more of my payment is applied to interest is incorrect. Again, my account has never missed a payment. My due date is the XXXX of every month and all my payments are made all before that date most of the time a week in advance, and in full + more {$50.00} more on almost all payment. Please again look into this matter which is urgent and time sensitive. I am still making payment on this account and having the same issue of more of my payment is going to interest instead of principal. Ive had this account for more than a year and as payment is made over time less of my payment should be going to interest and more toward my principal. I feel I am be robbed and not receiving an accurate response and information. This account is has been taking my money and not applying my payments correctly. Also the contact information provided to call is sent directly to a voicemail. No one answer the phone and are told someone will respond in 24hrs. Im confused an Executive line is a voicemail. Please again I am not happy with the service I am being provided and with this loan in it entirety. Again I am aware of the loan type but also know my payments are not being processed correctly as they should. I look forward to my account being corrected and incorrect payment funds be reimbursed to me and applied correctly to my principal. If possible I do not wish to do any further business with OneMain financial and would like exit this account immediately. Please let me any options. If need I will contact legal services to continue me in this matter. Thank you in advance and hope to have this issue resolved as soon as possible
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| 08/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
Older American |
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FTC Report XX/XX/XXXX Prior report # XXXX Person believed responsible for the fraud ; XXXX XXXX of XXXX, Utah.
Additional person believed to be responsible for applying for false credit cards, etc : XXXX XXXX XXXX of XXXX, CA or XXXX XXXX, CA Fraudulent Postal Mail Credit card applications and claims that I did not apply for or do using my name or a version of my name with my social security number.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX *Never applied for XXXX XXXX or XXXX claim from a XXXX XXXX at my employer, paid cash for one office visit to a XXXX XXXX and did not need anything further.
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX *They keep sending me claim information. I have not opened it. It is denied.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX I never applied for the use of a XXXX through my employer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for my payroll. I have had Direct Deposit and can show proof of such from : XX/XX/XXXX to XX/XX/XXXX.
Received : XX/XX/XXXX I am reporting this mailing as possible fraud or use of my name and personal employer information.
MASTERCARD XXXX. XXXX XXXX, GA XXXX False application using a name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX 2 mailings *Did not apply for an application for a credit card through Mastercard .
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SD XXXX I have never applied for a Mastercard through XXXX XXXX XXXX Mailing is denied.
XXXX XXXX XXXX. XXXX XXXX, VA XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX3 mailings-denied.
ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX *False application made using the name : XXXX XXXX at the address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utah XXXX I need these cleared off my personal credit report if needed or made note of as fraud in the event it is needed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX
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| 08/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furn
ish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : ONEMAIN on XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I look forward to receiving an updated copy of my credit report reflecting the above correction.
Thanking you in advance
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| 10/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX I called the XXXX XXXX One Main Financial to f
ind out what the balance of my loan was. I was told {$5100.00}. This check cleared my bank on XX/XX/2020. One Main w as getting automatic payments on a biweekly basis in the amount of {$91.00}.
On XX/XX/XXXX, I contacted my bank and told them not to release anymore payments to
One Main Financial. I received a call from One Main Financia
l on XX/XX/XXXX telling me they wanted to retract the paid in full bill ; and for me to pay the additional amount of money in the amount of XXXX On XX/XX/XXXX a bill was produced amount of {$180.00}.
On Thursday XX/XX/XXXX ( the date I received the bill ) I called the branch to find out why I received this bill. I was first told it was because the pay off amount was returned from my bank, which was untrue. Then I was told it was because the {$180.00} was due prior to the balance being paid, it should have been included in the payoff amount but was not. The bill that was produced on XXXX XXXX it says the amount must be paid by XX/XX/XXXX. I called and sent an email to the corporate offices, and was told I would have to resolve it with the XXXX XXXX branch.
On XX/XX/XXXX I received another bill dated XX/XX/XXXX. This bill shows the payment amount of {$510000.00}. It also shows a late fee of {$91.00}. This could not be possible because the payments were automatically deducted from my account.
On this bill it also has an amount adjustment of {$91.00} stating it was applied to the balance. This bill shows the total balance I owe as {$3400.00}.
I do have documentation of the paid in full receipt, the bills, and the date the {$5100.00} was paid from my bank.
On XX/XX/XXXX I gave the person I was talking to for payoff my debit card number, as I was paying off the loan from a different account then they had on file. Because of the amount my bank would not let the debit card be used. On this same phone call I gave my account number and routing number for the checking account to be used. The approval from the bank was given at that time.
I am very concerned about this not being resolved and having a negative effect on my credit.
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| 03/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
Servicemember |
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Friday XX/XX/XXXX : car was involved in accident when another car, other driver was at fault.
Monday XX/XX/XXXX : contacted lender One Main FinanciaXXXX first thing as was first business day after accident. I was informed at that time that I was being charged extra for their insurance. I went to office to get a copy of policy as ( XXXX. I had never received copy XXXX as this was autopay I really didn't pay attention to the extra charges ) I was also informed at that time that they had sent me XXXX notices back in XXXX of XXXX and since I had not responded the insurance had been added. I asked some simple questions that they took offense to and could not answer. I will list the same questions again.
XXXX. If One Main has no problem contacting me multiple times by email ; text ; phone calls ; and all of my bills from them since this loan as well as promotions have all come to my address on XXXX XXXX since XXXX, why is it that the only XXXX pieces of mail that dealt with an insurance issue sent in XXXX of XXXX sent to an old address on college?
XXXX. When my XXXX and I came in to finalize and close the loan we brought in our drivers licenses ; title ; registration ; insurance that all had the XXXX address on ( my wife had paper copy as well as sticker on back of license for change of address from Michigan secretary of state ) and we filled out closing form with our XXXX address, so how did it not get put in their system correctly?
XXXX. They stated that my address had been updated in system in XX/XX/XXXX. I asked were they got the new address from as I had never been contacted to confirm? I was told from the File??
XXXXI am being told that an insurance that they took payment for to secure the collateral is no longer valid as I had shown proof that I had full coverage insurance ( I'm still being billed for their insurance though ) How can One Main take payment for a service that they have no intention of fulfilling?
Now I am being told it could take months for them to resolve their issues, but I am still required to pay the monthly payments including an insurance that I didn't need or have to have.
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| 09/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened without my consent or knowledge
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Web |
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XX/XX/2023 -- I complete a XXXX card application which is confirmed that day. I never receive this card ; to this day this card has never arrived nor been activated by me.
XX/XX/2023 -- I receive the following text : " FreeMsg : OneMain Fraud Ctr : # XXXX Case # XXXX Did you attempt {$1000.00} at XXXX XXXX XXXX with card XXXX? Reply YES or No. Opt Out reply STOP '' XX/XX/2023 -- I reply No.
XX/XX/2023 -- FreeMsg : OneMain Fraud Ctr : Thank you. Your card is temporarily locked. We will call, or you may call XXXX with Case XXXX.
XX/XX/2023 -- I receive a phone call requesting I pay a bill on this card that I neither received nor activated. I let them know the card was intercepted and activated fraudulently and that I have never received, activated nor used this card. They say they'll look into it and will close down the account.
XX/XX/2023 -- I receive a phone call stating " my bill is overdue and must be paid. '' Eventually I get to an agent ; again let them know card was activated fraudulently and used for purchases. I request transfer to fraud department. I explain the situation again to fraud department ; they tell me the account was closed successfully ( although it is still showing on my credit report ). They assure me I am not responsible for fraudulent charges, they will remove account from credit reporting and to confirm my email address for an email from their " back office '' which should arrive in 7-10 business days. This email is never received ( I have continued to check spam and junk folders ).
XX/XX/2023 -- I receive the following text message : " FreeMs : OneMain Fraud Ctr : XXXX Case XXXX Did you attempt {$32.00} at XXXX * XXXX XXXX with card XXXX? Reply YES or NO. Opt Out reply STOP '' Given the card has now been closed for over a month, this final fraud alert should pretty transparently show that the card was activated fraudulently with a fake SSN.
Considering the slow and incompetent response, OneMain really needs to be accountable for the poor handling of fraud on their cards. This entire account needs to be removed from my credit report as was stated by their own agents.
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| 02/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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XXXX is the Credit Card that OnceMain Financial offered me. I was informed I had protection that I was paying into with the loan if I lost my job. In XXXX, I did lose my job and have not yet found a new one. I had 4 other credit cards that all worked with me to go into a reduced payment without fees or added interest closed accounts or plans to continue to stay in good standing while I worked on finding a new job. Of course, I've exhausted boring money from family or friends and relief programs, and can't even cover my rent, utilities or car, which are necessary to finding work to pay off the credit card. The interest is 33 % so interest charges are ~ {$65.00} and my statement shows late fees charged the day after I made payments- Whaaatt???
XX/XX/XXXX - paid {$120.00} then on XX/XX/XXXX a late fee was posted of {$40.00} Trying to reach anyone over the phone at this company is a joke, and OneMain said they have nothing to do with the CC company XXXX, even though they are the ones who signed me up for the card.
Turns out they do not offer any programs period, and maybe might remove one late fee. The issue with this is that they keep charging interest and late fees, and don't even follow the correct billing schedule. They refuse to acknowledge that no one is available in customer support, which causes further delays and late fees. They have no interest in doing anything but hounding you with automated calls throughout the day asking for money, which you responsibly called and explained your loss of income, but they refuse to work with you. You can submit a letter online, but then you just get a letter in the mail asking you to call them. Vicious circle! This results in further damage to your credit score. How are you supposed to work with a company that is unreachable and offers no customer service? XXXX and OneMain are scams of companies that whom should be avoided at all costs!! How is anyone supposed to pay this off? The card is literally in the negative now simply due to late fees and interest charges when the company could have actually tried to help and still get their money in the process.
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| 07/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
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I have been waiting for a permanent loan modification due to my unemployment and housing situation. One Main Manager XXXX XXXX in XXXX, has been working on getting this modification for about 3 months. This took a long time to get an answer and XXXX promised me that no late mark would go onto my credit files since it was not my fault this modification was taking so long, He stated there have been a lot of modification requests from customers and One Main is backed up. He had been going back and forth trying to get it approved. XXXX did not instruct me to make a payment ( after the two deferred payments I made in XXXX and XXXX XXXX asking me to wait until after the approval of the loan modification.
I expressed my concern with him about my credit rating via phone calls and emails ( see attached emails ). He stated on numerous times I would not receive late marks on my credit. I believed and trusted him! I have paid my loan on time every month and needed help at this time due to the pandemic.
Unfortunately, my credit files have been erroneously marked as late which has already negatively affected my ability to get a place, etc. My credit rating has fallen many points. I have been denied due to One Main company putting on these late payment reports.
Even though XXXX payment was made within the 10-day grace period through modification, this company has marked on my credit file that I was late and owe them a balance of {$1.00} This information is inaccurate as the account is paid current as of XX/XX/XXXX! I have disputed these late marks with all three credit bureaus and want these late marks removed from my credit bureaus ASAP! It was not my fault the modification took so long to be completed!
This company reported late payments to my credit when they promised not to. I have never been late, and I do not want my credit ruined because of this company taking over 3 months to come to a decision on this loan modification! To reiterate, I was promised my credit would not suffer.
I have enclosed emails, agency complaints, XXXX payment receipt and a copy of the loan modification for this dispute.
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| 11/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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On XX/XX/23, One Main withdrew an amount of {$260.00} from my account using XXXX XXXX three days after XX/XX/23, where they confirmed online that the entire loan was paid off. Thus the XXXX XXXX should not have been initiated on their end.
The online account states that the electronic payment taken from my account was reversed but I havent ever received the money back. It is now almost a month since they took the money, and far past XX/XX/23, the date for which 15 business days had passed since they wrongfully took the money but their claim was that I would receive it by then.
I did not receive the money by XX/XX/23. Indeed, on XX/XX/23 and on XX/XX/23, I called the branch where I signed the loan documents and discussed the matter both times with a spokesperson named XXXX, who both times was dismissive and unhelpful when I stated that I would like a check and not an electronic payment. The first time he confirmed that {$260.00} had been taken out of my account but claimed that One Main couldnt stop the electronic payment despite my voicing doubts the process would go smoothly and directly asking for a manual check then and there.
The second time I called, XXXX still refused to write me a manual check for the correct amount of {$260.00} or get his manager on the phone after XXXX told me that One Main would only send me an overage check of {$26.00} and I shared my disbelief because the amount was so low. Indeed, the 2nd time I called, XXXX outright denied that One Main took {$260.00} from my account because he couldnt find the proof on his side.
When I said I could call the CFPB but truly preferred to resolve the matter then and there, XXXX claimed that he wasnt actually qualified to help me, which left me wondering why he had tried to handle my complaint in the first place, both times I called.
Finally, XXXX asked for my number to leave it with a manager who stepped out for lunch but the manager never called back to verify that the payment reversal had indeed been halted electronically nor did One Main ever call to verify that they could write me a manual check for {$260.00}.
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| 10/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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On XX/XX/2022 I noticed that I was overcharged interest by One main financial through their brightway Plus credit card when I reached out to speak to management in regards to the overcharge I was given the excuse of the interest charge was based off of {$460.00} which was not even my ending balance for the month of XXXX they repeatedly told me that it wasn't for the month of XXXX I was being charged interest it was for the month of XXXX when I explained to them they had already charged me interest in XXXX and if their interest charges are based off of the prior month then I shouldn't have seen any interest at all for my first statement but I did. When I spoke to a supervisor she too gave me the same excuse and the same poor answer when I explained that my ending balance for XXXX was {$68.00} and some change and my interest charge is meant to be based off of that she kept repeating that the interest was charged based on XXXX but my statement says it was based off of XXXX when I asked to speak to a manager in regards to the situation because the charges don't add up and they don't make sense and legally as far as what they're supposed to be charging for interest and how they're supposed to charge interest they certainly aren't following those rules if they're charging me based on my last month as opposed to my last month which is on the current statement there is an issue because that's not what I signed up for I was under the impression that if I paid off my balance before the end of the month which I did that I wouldn't see interest if XXXX 's ending statement showed {$68.00} then I should have been charged interest based on {$68.00} and when I let them know I was filing complaints with the better Business bureau as well as consumer finance they begin to ignore me and refused to assist me they have refused to respond to the better Business bureau and they refused to call me and refuse to address the situation this is a very unprofessional very greedy company because if they're ripping people off on a large scale they're raking in millions off of fraudulent finance charges
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| 06/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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In XXXX of XXXX One main financial on XXXX XXXX XXXX South Carolina called me about a refinance for car loan it was a predatory call and they charged me {$600.00} plus interest on fees that were not explained and not understood they might have said that the information was signed however I do not recall being have those fees explained and they were fees that should not have been passed on to me when I asked to have the fees removed or dropped within the appropriate amount of time they refuse to do so they are now charging me interest on those fees that I did not agree to they also filled out the application for me on a computer due to my injury I can not work with computers I have medical information to back that up nor did they give me a paper application to fill out nor did they give me a paper application upon leaving I did not fill out the application I did not agree to the XXXX plus dollars and fees and interest!.. I did try to work with one main however they refuse to assist me and saying they can never discuss my account with me again at that location in addition the home office refuses to work with me as well they'll send me letters stating that they'll be happy to work with me but then when I try to work with them they refuse to speak to me about my account because I have reached out to government agencies to assist me in getting a resolution. They say that arbitration agreement is in the contract however when I try to ask them at the location about the arbitration agreement in the past before they banned me from getting assistance for no reason they refuse to give me the proper steps for the arbitration they tried to deter me from what was in the contract so a my issue is fees that I was not aware of be I tried to remove the fees and see I was denied any type of resolution in was encouraged not to call ever again. The resolution that I'm looking for is to have those fees removed from my contract and to be compensated for being charged that amount in the first place I also want the contract to be void because it was set up under predatory pretenses.
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| 06/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/2022, I took a personal loan from OneMain Financial. The amount was a little bit over XXXX .The lady who processed the loan told me that my interest rate is 35 % ( which is the ceiling I illinois ), and she told me that in just a few months, it will drop either by refinancing or when my credit score gets better ..On XXXX, my score hit about XXXX, and I tried to refinance, but I didn't get approved, instead, it went as a hard inquiry on my credit report ... I was told back then, to wait till I make more payments in order for me to get qualified for a lower rate ..My credit score had been about XXXX since XXXX, so a few weeks ago, I decided to refinance. Again, I got denied and the reason was I didn't have enough credit ... I have had many credit cards and loans during the years and I don't understand why they want to lower my interest rate .I 've been making payments on time and I never missed any payment since I took the loan, but u still see not much difference in my balance ..I wouldn't have taken this loan with this high interest if I wasn't told the interest rate would change in the few months. Now, it's his been almost 10 months, and I'm still making payments with high interest. I also believe the loan offics misled me and wasn't truthful with me the day I took the loan .She promised me that it will drop in a few months.. This lady yelled at me on the phone and she didn't respect me, because I didn't agree with what she told me .She was pressuring me to reapply and get more miney if I qualify.She told me the same lie, the other representative told me when I was applying for refinancing : they both said it won't be a hard inquiry, but when i checked my credit report, the hard inquiry was there .My credit was a bit affected because of that.
I want an investigator who will take this seriously, because in ky previous complaint, neither the investigator nir the institution took this seriously, and their decision was on theor behalf not in mine.
Meanwhile, I will be taking a legal action against this institution and every loan agent who scammed me.
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| 09/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2021, I received a congratulations email upon submission consumer credit application for a consumer loan. The letter specified as a result of obtaining consumer report that " your loan offer is approved '' upon meeting conditions of verification of identity and address and monthly income and expenses to determine if loan payment fits your budget according to color of custom lending guidelines in conflict with fair lending laws.
I was told by representative XXXX that I would not be approved for requested {$20000.00} but the most I would qualify for is {$8800.00}. XXXX asked would I accept that amount, I agreed. XXXX invited me to come to location to provide identity documents and sign loan documents. Provided passport card, affidavit of identity and nationality card and 2 bank statements. Informed XXXX I was not in possession of social security Administration credit card due to confidentiality and privacy agreement in accordance to 31 CFR 1.32 and provided W2 instead. Arrived at location and was told that due to dual national status of banking relationship accounts and savings account they would have to verify whether deposit to account could be made and they would escalate it to superiors, despite my decline to direct deposit in preference to check. Company later denied consumer loan via e-mail despite advising that notice would be mailed. Received initial e-mail without reason alleging " percentage of revolving credit in use '' despite advertising use of loan to consolidate debt and preapproved notice upon receipt of consumer report. The adverse action in violation of 15 USC 1681m was provided without disclosing credit score, nor was adequate disclosure of required percent of credit use vs obtained from XXXX report. The acts of ONEMAIN were abusive in acts that are deceptive and misleading to discrimination my 12 CFR 226.2 ( 14 ) right to incur debt and defer payment of debt. the lender ONEMAIN has criminally deprived my right to credit under color of custom per 18 USC 242 as creditor in disregard of consumer protection laws 12 USC 5481.
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| 12/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Struggling to pay your loan
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Web |
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XXXX I took a loan with XXXX in XXXX XXXX, {$15000.00} at 18 % interest. {$2800.00} was used to pay off a loan balance with XXXX that I took out XXXX for {$5900.00} at 20.918 % interest.
The remaining {$12000.00} was used to pay off some smaller debt to position my husband and I for success. He had spent 17 months XXXX with the XXXX XXXX XXXX in XXXX and was having a hard time adjusting being back to civilian life. This loan helped us pay bills without too much financial stress while he took some time to heal from the death of his father during his XXXX.
In XXXX, we unfortunately, separated and I moved out. He filed bankruptcy and I struggled to live day to day working full-time but not making ends meet. XXXX I contacted XXXX to share my XXXX and I was granted a loan modification.
In XXXX XXXX bought my loan from XXXX. They also granted me a modification after jumping through all the hoops they asked me to jump through.
Sometime between XXXX - XXXX my loan was bought by One Main Financial. Several times I contacted them questioning why after paying on the loan since XXXX was it not paid off. I had paying on this loan for 15 years! 15 years.
In XXXX I requested a printout of what I have paid to date. From XXXX to XXXX the principal was decreased to {$10000.00}. I kept paying though. At some point in XXXX XXXX XXXX had removed the interest from the loan so I was just paying principal payment of {$110.00}.
In XXXX I had enough. I stopped paying. Responsible me struggled with this decision. At the time my father was placed in a nursing home and was diagnosed with XXXX. It is my sole responsibility to make sure he was being cared for properly and being respected in his new living environment. I was overwhelmed and I gave up mentally and emotionally.
I wish I would have filed this complaint before now. I have worked very hard to bring my XXXX XXXX up from the XXXX it was after leaving my ex-husband. I have paid back close to {$50000.00} for a {$15000.00} loan that wasn't even a mortgage. Help please.
Thank you, XXXX XXXX XXXX XXXX )
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| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This includes XXXX, XXXX AND XXXX. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CompanyONEMAIN AddressONEMAIN, XXXX XXXX XXXX XXXX, XXXX, NC XXXX DateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Visited XXXX XXXX 's website to explore debt consolidation loan options and check rates. Through the prompt I entered in my identity information and at the bottom of the screen before clicking accept there was language staying " accepting will not impact your credit score. '' After that I received a credit alert that onemain financial had submitted a hard credit inquiry. I was transferred from a local branch to corporate to speak with XXXX in the Disputes Department. XXXX " XXXX '' advised me that I am incorrect and that I must have " checked a box '' to authorize them pulling my credit through the interface. I advised her that I did not and offered to go to the website to take screenshots. She told me it wouldn't be necessary and there is nothing she can do and that I would have to file the dispute with the bureaus. She told me it was an FCRA violation for them to delete the inquiry. I advised her it was also an FCRA violation for them to conduct a hard inquiry without my explicit authorization and verifying my identity to ensure it was me and that there should be someone to whom can help me like this as it could be a technological issue between XXXX XXXX XXXX OneMain... I probed a bit more to see if there is someone else to speak to and she said that they don't have a department that can help me remove the inquiry. I advised her that this isn't an acceptable practice and that I will never do business with this organization. I then requests as a California Resident for them to remove any and all data from their systems about me ; she condescendingly stated " We'll see what we can do '' and ended the call.
Bottomline : They are in FCRA violation by pulling my credit without explicit consent or if consent was captured it was not in a clear acceptable way that I knew as an end user what I was doing. As result, my score decreased XXXX points via XXXX for just checking a rate on a personal loan. This can impact negatively and the service I received was negative. Now working with the bureau on the appropriate dispute.
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| 11/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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XXXX OneMain Financil location called from XXXX ( XXXX ) XXXX XXXX from OneMain Financial called. My car payment was one day late and I did cancel my payment. There some other things that took place with my family that week and I had to take care of that. I explained that I would call back to make the payment before the holiday. XXXX continued to be pushy and started to use language like the loan is secured by your vehicle as if to intimate me. I told her I am aware of that and I will be sure to do this before the holiday. She continued to pressure me and I continued to say I have something going on with my family might at that moment and I finally had to hang up on her.
I went online to pay the payment because OneMain already called me earlier that day about two hours before. I knew if I did not submit the payment today they would continue to call because sometimes they call XXXX times a day. This is not first time someone from one of their offices has called be being a total jerk. They have no tact when speaking with customers and treat us like a collection cases of people with no value. This is why I dont like talking to them on the phone and ignore the calls if I can not make the payment right then. They make consumers feel worthless and they are very aggressive.
I called back and asked to speak with XXXX supervisor and they were busy. I told her I did not appreciate her tone and her response was she was just doing her job. Admittedly, I told her that she did not have to be an ahole when doing her job. I was very upset to be interrupted while at was dealing with a family emergency. I should not have said that, and I do apologize for it. She made me feel bad about myself and had no empathy. She does not know what is going on in my life and I dont have to disclose it. People should be treated with respect instead of a task to collect money on their dialer. How does she know if someone did not die in my family that week? She didnt, all she could do was worry about the payment so she could do her job.
|
| 10/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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|
Web |
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Issue - There was a Violation of Contract Law resulting in Contract fraud due to lack of providing full material disclosure as required by the TILA ( Consumer Credit Protection Act ) therefore there is a Billing Error that needs Resolution ( 12 CFR 1026.13 ) And as a result of the above, we request full accounting per GAAP as set forth in the Uniform Commercial Code that shows the accounting, and any credits related to the account to ensure that there has not been any credits issued to any persons without their knowledge but have not been appropriately reflected or disclosed, against any account, prior to continuing to make any payments, that way we know the specie in which any agreement, or promissory notes were converted to so we can make payment in that same specie.
PURSUANT TO 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. - This was originally requested on XX/XX/2022 and has still not been provided.
12 CFR Part 1026 - Truth in Lending ( Regulation Z ) : 1026.4 Finance charge. ( b ) Examples of finance charges. The finance charge includes the following types of charges ( 1 ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. - You violated Regulation Z by not including the sum of all charges in the Finance Charge As a result of your failure to provide me with the full accounting details, this agreement is considered fraud in the factum. 15 U.S. Code 1692e - False or misleading representations Opportunity to Cure 1. Rescind the transaction 2. Release any interest in the property 3. Bring this account balance to {$0.00} 4. Return title of vehicle 5. Lawful return of all past and prior payments made in the sum total of {$15000.00} within 7 days If you fail to respond in good faith and according to the above criteria, it will be deemed a tactic by your acquiescence that no offence took place and that all parties to mean you and your principal or other parties abandon all demands upon me.
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| 06/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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|
Web |
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I borrowed a loan from One Main Financial ( I believe it is a national agency ) in good faith. The problem started with my monthly statements, and that on the form I never saw the interest being accumulated. Also, the amount that I paid this company is not reflected on my statement either, but a different amount that is clearly inaccurate. By doing this, this has caused me much worry and anxiety from the onset. This should all be very clear to ALL CONSUMERS.I complained to the company about this before and was treated very rudely ; in addition the person used hard to understand financial terminology. As of Today ( XX/XX/2021 XXXX, I again spoke to a loan representative from One Main about my issue/complaint. I told her I did not understand what she was talking about. She mentioned something about a " rule of 78, '' and that I should look it up, When I did look this term up, I discovered it is a scam used by some agencies, and that it was outlawed.
When I told the loan person ( Ms. XXXX ) this and that what the company was doing was illegal and unethical, and she should have been explained to me when I applied and borrowed the loan, she then hung up on me. Before hanging up, she threatened that I will be reported and that I will likely " never get a loan again and my credit will be destroyed. '' By hanging up on me, this just corroborates my stance that I was duped and cheated. I thought this was a reputable company, but I've discovered it is not. I am a Senior on a fixed income, and don't deserve this -- NO ONE DOES. I am hoping that the Consumer Financial Protection Bureau will help me, and work to resolve my issue/complaint. In good faith, I will pay back my loan, but I will not pay this unfair and loan sharking interest this company is trying to pull. This is clearly XXXX, and when the person hung up on me and using evasive terms and actions they are using, well this is why I am writing this complaint in the hope that they stop what they are doing. I know I am helping other consumers. Thank you.
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| 07/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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On or about XX/XX/2020 I had to have XXXX to remove my XXXX. On or about XX/XX/2020 I had a payment to come due and could not pay it due to me being out of work from my XXXX. So I spoke to one of the ladys at One Main in XXXX, SC about my payment and what I needed to do about it and she told me that I could do a partial payment on the payment that was due as to which I did. Then on or about XX/XX/2020 I had a payment come due with the same company so, I spoke with them on this matter and they granted me a partial deferment payment on my account. Then in XXXX of XXXX I was still not able to work all that much due to the pain that I was going through and what money I did make I had to pay other bills to keep from going under. I did go back and see my doctor and they sent me to a XXXX were I found out that I have XXXX XXXX which is why I am still having problems. The XXXX that I seen that found the XXXX XXXX has put me on light duty work for an unspecified amount of time.Then on XX/XX/2020 I received a phone call from my doctor telling me that I needed to go be tested for COVID-19 because one of the ladys in there office tested positive for it. Now I am out of work until I get the results back.So I have not been able to pay on my account for 2 months because of not being able to work that much and other bills needing to be paid also. Also my bank account has closed due to it being compromised so I have no way to pay my bill online. This whole time they have been calling me about this sometimes after XXXX XXXX, and I have informed them of the situation. Well on XX/XX/2020 I received another phone call after XXXX XXXX and spoke again with one of the ladys at the XXXX, SC office about this issue and she informed me that I needed to let some of my other bills go to pay them or my account was going to be turned over to collections. They are asking me to pay {$410.00} immediately but, I do not have it because I am out of work now, and do not know when I am going to be able to return to work due to this.
|
| 04/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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The card in question is the XXXX XXXX XXXX by OneMain Financial XXXX I applied for the card and was approved on XX/XX/23. I received the card on XX/XX/23. At the time I received the card it came to my attention that there was no web site available to monitor the card on my PC. Everything must be done via an app. I am a senior and not all that tech savvy and I have no apps on my cell, I pay all of my bills via a paper statement. I spent a week trying to get their website to work and was repeatedly told their " website was not available at this time '' and they do no issue paper statements. Via a phone call on XXXX, I requested they close my account and SEND ME NOTIFICATION that my account was closed. I was told I would receive a letter verifying the account was closed. XXXX week later I called the number on the back of the card, which I had cut in half and via the phone I was told the account was open and what was available to spend. One week after that, I made another phone call and received the exact same information. On XXXX, I spoke with a representative at that number and was told that system will tell me the account is open, but my account is closed. Huh????? How can it show it is open with an available balance but be closed?? I again asked for a written letter stating the account is closed via my request and here we are in XXXX and still no letter. I am getting no where with this company and I feel they keep giving me the run around ... .They could have typed and sent me a closed confirmation letter faster than I typed this to you. Can you help please get them so send me a written, paper letter verifying the account is actually closed? Thank you so much for your time. On a side note, I kind of feel it's kind of age discriminatory as many people in my age bracket and older don't use an app, don't even know how to use an app for them to issue a credit card without providing a website to use and monitor and for them not to mail out paper statements. Thank you again for your time. XXXX XXXX
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| 04/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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|
Web |
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I am writing to file a complaint against OneMain Financial for engaging in unfair and deceptive acts, illegal repossession, wrongful repossession, failure to state the borrower 's right to redeem the vehicle, failure to inform the debtor of the intended method of disposition, redemption rights, and fees which resulted in an inaccurate redemption amount. OneMain Financial violated the Uniform Commercial Code ( UCC ) by not returning remittance coupons, which they claimed they did not process or know how to process. Additionally, OneMain Financial is guilty of usury in violation of Georgia code.
I spoke with XXXX XXXX in the repossession department who failed to send proper notice, which resulted in the illegal repossession of my vehicle. OneMain Financial did not provide me with any information about my right to redeem the vehicle or the fees associated with the redemption process, which resulted in an inaccurate redemption amount. Furthermore, OneMain Financial failed to state the intended method of disposition, and as a result, I was not able to make an informed decision about the redemption process.
OneMain Financial 's actions were unfair and deceptive and have caused me significant harm. I am demanding that my vehicle be returned to me immediately. If my vehicle is not returned by XX/XX/2023, I will be forced to file a class-action lawsuit against OneMain Financial for engaging in illegal and unethical practices.
Furthermore, I want to bring to your attention that OneMain Financial is guilty of usury, a violation of Georgia XXXX. They charged me an exorbitant amount of interest on my loan, which is illegal under Georgia law.
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate OneMain Financial 's practices and take appropriate action to prevent them from engaging in these types of unfair and deceptive practices in the future. I also ask that the CFPB investigate OneMain Financial 's usurious practices.
Thank you for your attention to this matter.
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| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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When checking my credit report to buy a home, I saw One Main Financial listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX.
I asked the One Main representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all.
This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions.
I'm very concerned One Main is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges.
One Main Financial is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.
|
| 10/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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When I first purchased my vehicle on XX/XX/XXXX, XXXX XXXX XXXX financed my vehicle. My car was priced at {$7700.00} and with interest it came to a total of {$11000.00}. I paid my car payments every month at {$300.00}. By the end of XXXX, I decided to start working towards buying a house and got in contact with a lender. The lender told me in XXXX that in order for me to buy a house, I would need to pay something off on my credit. In doing so, I found OneMain Financial where they said they would pay off my current balance with XXXX XXXX which was {$6100.00} on XX/XX/XXXX. The loan I asked for from OneMain was {$3500.00} and was approved with that pay off. Because they paid off what was still owed on my vehicle, on top of my {$3500.00} loan the interest was set at 29.08 % making my TOTAL loan amount {$9400.00}. My monthly payments are {$290.00}. After making XXXX payments to the total amount, I realized my balance was not going down at the right amount. As of XX/XX/XXXX, my balance is at {$9300.00} still! I called on XX/XX/XXXX for an explanation as to why my payments are not being applied to the balance and OneMain claimed it was thew interest. The interest was already applied at the beginning of the loan so when I explained that to them, they said they didn't know but that was my current balance anyways. I, then, asked for my contract that I signed for the loan back in XXXX and I was told that they were not allowed to send me that contract in any way and that the only time I was able to access it would have been the day I signed the loan. So, a refusal of a contract I signed and an explanation as to where my money is going were not given to me by their choice. I let them know I would get in contact with a lawyer since neither one of those could be given and that these were consumer violations. I also was told that if I wanted to pay off the vehicle NEXT YEAR of XXXX, the amount would STILL be {$10000.00} which does not make any sense mathematically!
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| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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To who, it may concern, Case number XXXX for account in question ( XXXX ) I am requesting the removal of this account off my credit report for several reason. I am here seeking help to have Falsified account removed. I am first asking for the the ORIGINAL contract was would confirm this account belongs to be WITH MY SIGNATURE that was allegedly open in XX/XX/XXXX.
Then I would Like to see written agreement that gave ONE MAIN FINANCIAL permission to report my alleged account to any consumer reporting agencies. According to Fair Reporting Act 15 U.S.C 1681 section 604A section 2 : The law states clearly that my personal information CAN NOT be furnished WITHOUT my WRITTEN permission. There is a difference in placing an agreement inside of an statement and having someone agree to what the law is in written form. This written permission would have been when the " account '' was open in XXXX, Not XXXX when the company alleges in previously in documents. The account in question was charged off XX/XX/XXXX and alleges 6 payments was made in XXXX with a card ending in XXXX. As I previously stated and have proven this to not be true. By their own Evidence that ONE MAIN has provided, None support this a payment wasmade. A representative is now stating that it may be from a different account, but from their own records ONE MAIN states and has shown records of this alleged payment coming out of this specific account, now in a new statement they believe it was another account. Which is why I remain certain that this is account is was falsified. ONE MAIN can not provide any documents to support this account. The burden of proof is uncertain with this account. In addition, If the account was charged off in XXXX, Why was the account being reported in OK status with the credit reporting companies?. XXXX OK.
XXXX -OK. XXXX, XXXX-OK. Even XXXX of XXXX the account was reported in OK status. Reporting the account in OK status means it's Current. Please provide.
|
| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
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I was let go in XX/XX/XXXX left with out pay and I am still waiting in that hearing XXXX board case XXXX. One main I contacted XX/XX/XXXX and asked about unemployment ins. I was surprised to be told I had no coverage.
So the next XXXX months while On unemployment I pay On time XXXX XXXX runs low I contact branch who then tells me a differing story I go in they set up XXXX XXXX XXXX covered 6 months plus 6 months so XXXX to XXXX payments covered. XXXX XXXX.
XXXX now covid at it peak a I call to get XXXX nd half but Im told I already used 12 months Not true But they Argue I still pay my bill altogether Im still upset XXXX I notice a pay XXXX XXXX that goes to branch but I had paid XXXX and XXXX so I contact I ask for two month s to be returned.
They in XXXX I get XXXX They back out all the months I was forced to pay in XXXX after they errored They claim I did not call I did my phone bill shows it Recently XXXX contacts me and stated she would help me get my balance down to were it was XX/XX/XXXX. We had gone back and fourth a year they show 6 months go by where I log in to find XXXX dollars owed Yet They wont admit they did not update their system They back out XXXX Principle its not right its criminal I feel I cant pay until they correct balance and keep in mind I paid even when they error they paid XXXX. To XXXX XXXX to XXXX I was due another XXXX I never paid late until they took my principle XXXX.
They created the issue someone needs to contact me other Than than me XXXX They say I threatened them its not true I called XXXX a XXXX XXXX after he started playing games They ruin my credit they cause the issue during covid XXXX I wont pay and I want to point out my credit shows paid in time yet they want to charge 213 days of interest But they admit mistakes were made just not all of em How do they re pay XXXX plus XXXX add inters that amounts to what they are admitting they caused Please call me before you accept the lies from thrm.
|
| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
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My original loan payment is {$730.00} per month. I entered into a loan modification for 6 months starting on or around XX/XX/2023. I was only supposed to pay {$360.00} while only accruing 6 % interest so I could catch up on some payments due to financial hardship and make some additional payments to pay down my balance. I have paid a total of {$1400.00} in 4 of the 6 months so far, which should total {$2200.00} at the end of six months after XXXX. Only 3 months were honored ( payment amount only, interest still charged at over 22 % rather than 6 % ) under that agreement and now I am told I'm late {$400.00} which is half of my original payment amount plus late fee ( XXXX plus XXXX ) and I imagine there will be more coming. I have proof that this agreement was made with modified payment amounts and supposed to be at 6 % interest, but it has been at over 22 % ( see attached ) the entire time. One Main has told me on multiple occasions that they recorded the original phone call in which these terms were stated, but they have conveniently misplaced the recording. I am being cheated and have been told multiples time by supervisors that a correction will be made for the past three months. I have been harassed, lied to and cheated. I have never received a return phone call from any of the representatives or supervisors I have talked to, only told that I would hear back within a couple of days to no avail. At the end of my modification they are trying to make me pay additional payments and interest in the amount of {$1100.00} ( XXXX for past due payments for 3 months ) and also for late fees which will total {$110.00} ( {$36.00} for late fees for 3 months ) until this is resolved. Please work with One Main to reverse the current {$400.00} they are saying is overdue and reduce my loan amount according to the agreement that while I am in a modification according to the 6 %. Please also correct the unjust interest charged to my account as well.
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself.
So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me.
I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits.
The information of the inquiries is : XXXX and XXXX Report : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX __________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX ____________________ XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX _____________________ XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor.
________________________ XXXX Credit Report : XXXX XXXXXXXX XXXX and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
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| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The initially disputed Onemain charged-off account with a current {$0.00} balance had a balance of {$7400.00} and was reduced to {$0.00} and claimed to have been paid in full after charge-off for a reduced payment after the account was disputed with Onemain and XXXX. This charge-off being reported by Onemain was transferred and paid in full under my Onemain Financial account by another banking institution. The actual loan which is listed under the Onemain Financial account clearly shows this in my XXXX credit report. I have never paid so much as a penny on this charged-off Onemain duplicate account. XXXX does not show the amount of this alleged recent payment nor do they report the date this alleged payment was made in my payment history. I have reviewed my credit report on the phone with multiple XXXX reps pointing to this transferred and paid status to no avail.
I havenow received investigation results from XXXX under File # XXXX stating that the disputed {$0.00} charge-off listed under my name, address, and social security number was updated with as PAST DUE STATUS and verified as accurate. An alleged {$0.00} balance is now reporting as past due. I have issued a Method of Verification to XXXX for this reporting and have yet to receive a response which they are required to submit within 15 days under the FCRA.
XXXX refuses to do an independent investigation where even a simple phone call to Onemain would confirm that I have never opened a note loan under the duplicated account listed as Onemain. Instead, XXXX continues to rely on unreliable electronic verifications, coupled with a failure to provide a Method of Verification to their inaccurate findings. I understand that the CFPB does not litigate disputes and is simply a means to file complaints against what a consumer views as a Federal and or State offense. This complaint is written as an attempt to correct the reporting to avoid litigation with XXXX and Onemain.
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| 12/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Good Morning, To whom it may concern, My name is XXXX XXXX and I took a personal loan of {$6000.00} with the intention of paying it back in timely manner, the only purpose of mine was to get a loan and pay it back on time each month so this may help me improve my credit score.
when I took the loan, at the time my credit score was not good and I knew I'll be paying higher interest rate but since the day I got the loan I been trying to get my disclosures to see the terms I signed up for but this company failed to provide anything.
I specifically requested for 3 year term plan and the gentleman who helped me assured that this loan will be paid off within 3 years as long I am making a payment of {$190.00} each month. its been almost 2 years and my payoff balance still showing of nearly {$5000.00}. I never skipped or delayed my payments.
few weeks ago I tried contacting the financial institute to find out about more loan, here are some facts I was told about my loan, XXXX, I signed up for 5 years and we cant not provide you any written documentation about that, XXXX there is no disclosers we can you provide your, it is what it is, you are locked for 5 years.
XXXX if you don't pay the loan we have a lien against your car.
To whom it may concern- I also work in banking field for over 6 years now and currently working as mortgage processor and its fair to say that I know the lien process, but if you were never told upfront about the collateral lien XXXX how can someone just say we'll take your car away.
I been trying to contact the upper management to look into my 3 years of loan instead of asking me for XXXX additional years. ( something I never singed up for, if I signed the docs for 5 years Please provide me the documentation including the interest, rate and term ). I dont have problem paying either of the term but my concern with this institute is I did not ask for 5 year for a personal loan.
Sincerely.
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| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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In 2022 I did what I thought was essentially a refinance loan. I was looking to refinance my vehicle that had a lien from another company. OneMain explained that they would pay off my old loan, include some cash from the equity, and roll that into a new loan with them. What they did not make clear was that what I have is not an auto loan, even though it is a loan for my auto. They falsely advertise on their website, XXXX, and at the time XXXX XXXX as auto loans. they do not make it clear at the time of origination that coding the loan as a personal loan listed under " other '' that an auto refinancing company wont touch it.
I understood I was getting into a loan that was a higher interest rate, that could make the loan price higher than the value of the vehicle, but the representatives used words like refinance and auto when describing the loan making me to believe that the loan was something it is actually not.
when signing, I asked if I could refinance later and they said yes. Well after 12 months I figured this was a good time to look into refinancing but not only will no other company refinance this loan but the representative at OneMain said " they don't do that '' that I am not able to refinance into an auto loan within the same company. I pointed out that the company advertises as auto loans and he said " sometimes they do that '' but that I can not.
This is predatory because it removes the freedom of the consumer to choose their financial products. They essentially trap their customers by misleading them, and making sure that they can not refinance out of the company because of the way the loan is listed on the credit reports.
My credit and vehicle type fit the requirements for a refinance loan from XXXX but because my loan isn't listed as auto on my credit, they will not refinance it. Had I known that I would not have refinanced ( even though that's not what it actually is ) with them.
|
| 04/12/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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I am a current account holder and have maintain a pre-existing business relationship with One Main FinancialXXXX, TX. I requested on XXXX office visit and submitted my written request to be placed on a monthly Payment Plan, so I don't fall into default on my loan.
The reason for my inability to maintain the original loan payment is due to a wide range of conditions which have affected my ability to maintain the original monthly charges. These include unexpected medical debts, pandemic expenditures over a prolonged period, rising costs of living, economic inflation, and the dollar amount of my fixed XXXX income.
Under the Texas law I should be able to be placed on a payment plan which I was refused. I have acted in good faith in trying to pay my loan but recently treated unfairly when I asked to be placed on a monthly plan to avoid default actions.. Rather, I was placed on 2 deferments for half of the original payment amount I struggled to pay in XXXX and XXXX. I was informed by local office that corporate policy allowed 2 deferments options per year only and I would have to return to original payment amount for XX/XX/XXXX. I was clear in informing the staff at that time, in person and by phone that I just didnt have the funds. I asked and asked to be set up on a monthly payment plan I could afford not a fixed price they dictated. I hand carried a {$75.00} payment for XXXX payment which was refused and not accepted.
My interest rate of 29.62 % I was told could not be readjusted or refinanced, loan dated XX/XX/XXXX and is At this time, I can afford to pay {$50.00} per month over the next 6 months and hopefully be able to restart my normal payments in XX/XX/XXXX. I am open to an XXXX Hearing and wish to avoid default and negative credit report. In addition I requested w my interest rate of 29.65 % could not be adjusted or refinanced at a lower interest rate and Loan taken out in XX/XX/XXXX.
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| 08/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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I took out a loan with One Main Financial in XX/XX/XXXX. I purchased XXXX insurance as part of the loan through One Main Solutions. I became XXXX after taking out the loan. I filed a claim with One Main XXXX in XX/XX/XXXX providing them with a copy of my award letter from the Department XXXX XXXX XXXX showing 100 % unemployability. One Main XXXX advised that they could not cover the claim because of pre-existing conditions. I advised them that I had not received any information at the time of purchase or afterwards advising of these exclusions. I went back and forward with One Main XXXX from XXXX - XX/XX/XXXX. During this time my health declined and I picked up a new XXXX and applied for coverage under that XXXX. One Main XXXX continued to play with me by sending a notice that the doctor did not complete the form fully. I do not understand why One Main XXXX would not have followed up with the doctor directly for the missing information as the XXXX form it requests the doctor 's telephone, fax, and email address. This was a way for One Main XXXX to continue to avoid paying the claim. One Main Financial and One Main XXXX worked together to charge off my account which in return canceled my XXXX insurance with XXXX XXXX Solutions so when they did approve the claim they would not have to pay future claims. My vehicle ended up being repossessed right before XXXX approved the XXXX claim. In addition, XXXX advised me that I would have to pay the full balance due on the loan to recover my vehicle since it was in charge-off status which caused me to file for bankruptcy protection to recover the car. In Maryland, I should have been able to recover the car by just paying the past-due balance and repo. fees. XXXX sent me a letter dated XX/XX/XXXX advising that there was a refund due to canceled insurance however the credit does not show on my account. They never applied the credit for the refund.
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| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
Servicemember |
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On XX/XX/2023 I made a ( 5x ) amount of my minimum payment amount to the XXXX XXXX XXXX from One Main Financial. My payment was rejected for reasons unknown. On XX/XX/XXXX or XX/XX/XXXX I reviewed my XXXX XXXX XXXX and noticed a failed payment, made necessary corrections to rectify this issue with a successful payment of the same amount. This second payment was successful.
The following into the work week of XX/XX/2023 I noticed my XXXX card was locked due to " suspicious or fraudulent activity '' because the payment was reversed. I called the company and requested what has to be done to correct this issue ; the representative said send in a current bank account statement, current drivers license, or current ID card with social security card, to verify my identity which was all action needed to remove the block. Upon sending my drivers license and social security card, with my bank account number used tk make the payment, my account is still blocked unless I release bank account statements as well. Per policy the block should be lifted and removed in accordance with actions being fulfilled that were needed to do so. The credit card company does not need to see my personal bank account statements. As long as payment was successful and are continued as such, personal account statements should not be required, as per company policy to remove such blockages.
I've attached the promise to pay, the agreement on amount to pay, the non charge of returned payment fee meaning a penalty was not assessed for returned payment thus a returned payment blockage wasn't necessary if the company deemed the fee unnecessary. If no fees were asked for returned or denied payments, why is there a blockage on my account and my credit card, denying me access to the usage of my account unless I give permission for the credit card company to view my personal banking statements even after successful payment.
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| 03/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I purchased a car on XXXX. The car lot ( XXXX XXXX ) provided me with options for obtaining financing for a XXXX XXXX XXXX I wanted to purchase. We decided to use ONEMAIN. I asked the salesperson XXXX XXXX XXXX if I needed proof of income and he advised no ; he had spoken to ONEMAIN on the telephone. I completed the application and it was sent in with my drivers ' license and proof of insurance. The documents were uploaded electronically thru a link they sent me. When I sent the items thru the first time, it asked for proof of income but I did not attach anything as I was told it was not needed. The transmission did not go thru as completed because the proof of income had not been uploaded. I showed that to XXXX the salesperson and he thought it was odd as he was told no proof of income was needed. I had my XXXX in my phone so I uploaded to the site. The loan was then approved. I believe I was asked for proof of income as ONEMAIN then had a copy of my driver 's license that confirmed my minority status. I believe when they saw I made over $ XXXX a year, they did not accept that a minority woman could earn that much money. In response to the XXXX XXXX review, I was told to contact XXXX with my concerns. On XXXX, I spoke to XXXX with ONEMAIN ( XXXX ext XXXX XXXX ) who confirmed the above timeline of documents. I explained how humiliated I was. Her response was " if I was so humiliated, why didnt I say anything to the salesperson ''. I explained that I was going to let it go until I received the XXXX XXXX survey request. She said their systems are automated and there was no malicious intent. Then why would the loan application not go thru the first time. This has to be a glitch they are aware of and feigning ignorance or a systems error is not an excuse for XXXXXXXX XXXX. What I believe to be XXXX XXXX has to stop. By the way, the representative I spoke with was very professional.
|
| 11/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
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|
Web |
Servicemember |
|
My husband and I have a direct pay account with this loan company that automatically withdraws out of our account every first part of the month so far for two and a half years we had no problem with this loan company or them with us. XX/XX/XXXX this year, shows my account, on the loan company 's website that they went in to pull the funds from the bank but then did an reversal on the same day in which me and my husband did not know we figured all bills paid with no problem, Today XX/XX/2020 we get a text from One main loan company stating that our payment was returned, and that we are to call them, even on their website says that they will charge my account {$20.00}, plus charge me a {$15.00} late fee on top of the payment. Our payment is {$110.00}, they charging us today {$130.00} altogether, which is unbelievable, we never had a problem with the loan company making our direct payments. We changed banks this month and we put our bank information for autopay direct to make payment. Also my husband and I went to our bank and got proof that the loan company never made an attempt to even pull from our bank account. The account was not insufficient of funds at the time of XX/XX/2020 And would like to know why did the loan company wait too XX/XX/2020 to not honor the payment agreement of direct pay, especially at this time of the holidays. We called this morning to speak to a customer representative about this problem she told us that they will try to waive this fee and if it's waived it will be 2 to 3 business days, and again called a second time to another customer representative and she said the same thing but for us to fax our proof of what we have too them even though we have to wait 2 to 3 business days for the unjust charges to be waived. In the meantime they want too charge us late fees. plus never emailed me at the email address they have on file throughout the month of XXXX.
|
| 08/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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OneMain Financial : I was laid off at work because of COVID in XXXX, I had exit documents proving this. This agency offered a insurance plan to protect me in this type of case which would cover loan payments up to 1 year if I remained unemployed. I provided them with my exit documents 3 times. Times I can remember sending the documents in are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. All three times I received negligent customer service and told that my lay off is not credible until I'm approved for XXXX which we all know millions of Californians are still waiting on that's including me and then lost communication and was left without a response because I believe the employees handling my case were laid off these 3 different times.. I've sent my identification documents in 3 times and they say they haven't received them at XXXX so I just sent certified mail this week so I have proof I sent. I've told them many times on the phone I am unable to make payments and that I really need this insurance they offered ASAP. Yet they've been spamming me with calls nonstop and making me feel like I'm being persecuted. I've asked several times why my official exit document wasn't enough to prove my lay off was due to XXXX. I just feel like this is very unethical in this time during COVID especially when I'm struggling with the XXXX 's clogged system for months. I feel violated, harassed, and persecuted by those I thought would be there for me especially with their promise of insurance during this crisis. I've attached my exit documents here and also I've attached my phone call log. They were calling me repeatedly on the number ( XXXX ) XXXX after I told them I didn't have the money to pay and that I am in dire need for their promised insurance to kick in. Also the name of the insurance company is XXXX XXXX XXXX which I just also sent another certified letter which should be arriving tomorrow.
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| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report XXXX ONEMAIN XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.
|
| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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On XX/XX/XXXX and XX/XX/XXXX ONEMAIN FINANCIAL accessed my credit file with XXXX XXXX AND XXXX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX ONEMAIN sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request ONEMAIN FINANCIAL was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX shows the 3 inquiries still, XXXX one, and XXXX deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX and XXXX are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
|
| 04/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
I have been getting the runaround from One Main Financial no matter how many times I call, including 3 calls today last week in one day. I get a different answer each time I call. I've called at least a dozen times and each time I get a different answer and no solution. They assigned me to a branch and when I called the branch, XXXX was very abusive and told me he was going to hang up! As of last week, I've tried to get a payoff amount and get the run around with that. They charge me 36 % interest. The new loan is going to save me 11 % interest and will not have to have a lien on my car! On XX/XX/XXXX their website indicated I have until the XX/XX/XXXX to pay it off, on XX/XX/XXXX, XXXX tells me I have one day to pay it off! Please forward this complaint to the CEO XXXX XXXX. So, he knows how dysfunctional One Main Financial Customer service is! The payoff balance today is more than I borrowed last year, XX/XX/XXXX and is {$10000.00}.
I have repeatedly contacted OneMain Financial to provide the payoff amount by XX/XX/XXXX and the initial documents that the branch did not provide! I have called them ; emailed them, complained to the executives and the XXXX. The only thing they indicate at their website is that I qualify for another loan. Of course, they are strictly gold-diggers, they charge 36 % interest and still demand a lien on my car! They are costing me 36 % more for my loan! My credit rating was ruined with XXXX XXXX XXXX. I then found out who the liberal banks were, XXXX and XXXX Banks and now OneMain Financial! However, my score then was XXXX but one-time XXXX In California don't pay me or my son, everything went haywire. I must get the initial documents, the payoff amount and to stop ignoring me. We're severely XXXX seniors ; thus, now a days, liberals don't have qualms about discriminating and victimizing seniors due to our XXXX, ancestry and age!
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
|
|
I am a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate XXXX, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such XXXX according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section XXXX of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( XXXX XXXX. XXXX ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. XXXX XXXX XXXX XXXX ( a ) and ( b )
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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In XXXX of XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with OneMain Financial prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general XXXX XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except XXXX. I resubmitted and they were still denied. OneMain said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other XXXX bureaus but they have been unsuccessful. So it is still on my credit report even though OneMain admitted it was their mistake.
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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I have tried disputing this account with XXXX XXXX XXXX XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX XXXX XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same furniture data account as a total mistake.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
One main financial has broken 3 laws 1. Cease and desist.
I sent them cease and desist paperwork. I was still getting harassment calls by XXXXnemain financial.
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
I gave you all a cease and desist letter and I was still getting called by you all.
Right to rescind I have a right to Resc per Us code 1635, I am not liable for any of these charges! I was told from XXXX XXXX that right to rescind only applies to mortgage which is a lie. To prove that, I have attached screenshots from the Law below which clearly thats " ANY CREDIT TRANSACTION '' Which includes ( loans ). Per law, I have to be given documentation about my right to rescind. This was not given to me and I sent paperwork which is illegal. This contract is void and needs to be terminated immediately!
Late payments Credit transactions are exempt from being reported to damage consumers.
See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus These are violations of the U.s. consumer law. I have a pending lawsuits against wells fargo for violatiing these same laws and I will do the same with onemain financial.
Remove the late payments IMMEDIATELY AND TERMINATE THIS CONTRACT!
I Have also sent a letter to the board and corporate
|
| 08/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
XX/XX/2023 Personal and SensitivePrivilegeNot for Publication MEMORANDUM FOR THE RECORD ONEMAIN HOLDINGS, INC. ( dba ) OneMain Holdings , Inc.
c/o OneMain Financial Group , LLC ( formerly known as ) OneMain Financial of America , Inc .
Attn : Privacy and Identity Protection Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NOTICE : REFUSAL TO PAY BILLING ERRORS MISAPPLICATION AND OVERBILLING ; DISPUTED PAYEE IDENTIFICATION ; FAILURE TO PRODUCE RECORDS IN CONNECTION TO CREDIT REPORTING XXXX XXXX XXXX WITH XXXX XXXX XXXX ACCOUNT NO. XXXX [ AS OPPOSED TO TRANSACTION HISTORY SEARCH RESULTS ] Dear United States, Consumer Financial Protection Bureau, I am reaching out to bring to your attention a matter of utmost importance. Today, I notified ONEMAIN HOLDINGS, INC. about my refusal to pay due to several alarming discrepancies. The attached notice, dated XX/XX/2023, provides a comprehensive account of the issues, including billing errors, misapplication and overbilling, and contested payee identification. Furthermore, the company has failed to produce records linked to the Credit Reporting Agency tradelines for my XXXX XXXX XXXX Account No. XXXX. I am particularly concerned about the differences observed in the transaction history search results vis-a-vis the specified account receivable.
I believe that forwarding this notice to federal regulator agencies, such as Consumer Financial Protection Bureau, is essential. I aim to shed light on practices that may jeopardize consumer rights and the principles we entrust financial institutions to uphold.
I kindly request your immediate attention to this pressing matter. If any additional information or clarification is needed from my side, I am readily available.
Thank you for your understanding and assistance.
Sincerely, I am XXXX XXXX XXXX of Indiana state, All Rights Reserved without Prejudice
|
| 11/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I called to make a payment towards the principle of the loan.
I was advised that principle payments MUST be made via check or money order, in person or through the mail.
I complied. I sent money orders but on more than one occasion
USPS stated the money order was delivered but One Main Financial did not apply the payment to my account. I had to call to follow up. Each time the person stated she just received the mail but I told her it said delivered the day ( s ) before. Upset by the inconsistency I called One Main Financial customer service line NOT the branch. I made a payment towards the principle. No problems the payment was taken and applied to the principle.
I called two more times to make principle only payments but
these time the payments were applied to interest. I called both times to get the payment applied correctly. The first call was fine. I advised of the error the rep took steps to move the payment. I was directed to call the customer service as they made the error they should fix it. I called customer service the representative advised me that the payment was made to the principle. I told her that was not true. She transferred me to another rep in branch. That rep advised me that she wasnt going to do this every month. And that I was told that I must mail the payment or take the payment to the office. I told her everything listed above. The fact that I would have to follow up to make sure they applied the payment and the impracticality of me dropping off a payment. She refused to accept responsibility. She mean and unhelpful. I asked her who is her governing body. She did not answer. I asked who does One Main Financial answer to. She never supplied the I info. To make matters worse One Main Financial reported an increase to my balance owed causing a significant drop in credit score. Im actively disputing the info.
|
| 01/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
One Main Financial did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
|
| 06/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have a one main financial account. I have made payments on regular basis and most of the time it is over the amount due. In XXXX of XXXX I made multiple payments. I made a payment in the amount of {$300.00} on Friday XX/XX/2022 and it was processed/deducted from my account on Monday XX/XX/2022. I logged in again to make another payment in the beginning of XXXX and saw that it said a payment was reversed in the amount of {$300.00}. I called the local branch multiple times before anyone called me back. After 3 days I finally told them nobody is calling me back and I want to talk to someone that day. XXXX from the branch called me and let me know that the payment was returned on XX/XX/2022. I told her no, it did not get returned, I have proof from my bank it had cleared. I sent documentation of the transaction showing it had cleared my account on XX/XX/2022. I got no help from XXXX so I went to the corporate level. I was told BY corporate that because it is a debit card it would have been returned same day. That is a lot different story than the one that XXXX provided. This account is an interest bearing account and I get charged per day on the balance that is in there. It has been over 45 days and this has still not been resolved. I have attached on multiple occasions many documents showing that it has cleared my account and they are refusing to credit my account that money. I had reached out to an attorney recommended by the Oregon State Bar. This attorney told me to send them a letter and demand it be corrected under the Federal Fair Debt Collections Act. I need help getting this payment credited to my account as I have all the documentation showing it was processed and NEVER returned to my account. I have filed a complaint with the XXXX as well. Please help as this is affecting my credit as well as the balance that is owed.
|
| 12/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
In XX/XX/2922, One Main to inquire about my car which is being used as collateral on my loan. I used the car as collateral for the original loan 2 years ago, but I have since paid off both a ) the cost of what remained on the car note and b ) what the original loan amount was. I refinanced this loan last year to cover new expenses. The car has failed inspection, is no longer drivable, and the cost of repairs would be more than the cost of the car ( about {$2500.00} according to XXXX ). I asked one main if they could either release the title so I could trade the car in or allow me to provide other items of value as collateral because this car is not worth anything. The branch placed me on several holds, then told me they would call back. After waiting 5 hours, I called back and the branch manager said that neither scenario was possible. He suggested that a dealership pay off the entire remaining balance of the loan, which is almost 7.5x higher than the cost of the car. I filed a complaint with the XXXX, and after a series of responses, One Main informed me that they accept the risk of the car not being drivable and they would a only release the title if the loan is paid in full. On XXXX, One Main accepted a {$6900.00} payment from my insurance company, which left a balance on the loan of {$10000.00}. One Main released the title to XXXX, and informed me that the balance/interest/and terms remained the same. In the XX/XX/26 letter and in multiple occasions, one main informed me that the title would only be released if the loan is paid in full, which is clearly untrue. I have been mislead and mistreated, and One Main was clearly settling for the highest bidder for the car. This policy clearly needs to be rewritten and updated, and some resolutions should be offered to me for how this company has repeatedly unfairly treated me.
|
| 07/13/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My husbands mother passed away in XX/XX/XXXX. She did not have life insurance or a final expense policy so we became responsible for paying the funeral costs to lay her to rest. My husbands stepfather could not get a loan because he had terrible credit so his sister agreed to sign for a loan from One Main Financial. She wasnt able to get the credit without collateral and she had nothing to secure the loan with, so my husband co-signed. When he agreed to put up his car as collateral, a XXXX XXXX XXXX XXXX, the loan officer talked him into replacing the XXXX with our XXXX XXXX XXXX XXXX, my only vehicle, even though I knew anything about it. The loan officer explained that my XXXX was worth more than the amount of the loan and would cost less to repair if they were to repossess it due to non payment. My husbands stepfather agreed to repay the debt and made payments every month until he passed away in XX/XX/XXXX. I never agreed to pay the loan or to put up my only car as collateral but the lender repossessed it a few months after he died. Now theyre sending me threatening letters and charging me XXXX in interest 6 months after repossessing my car and selling it for {$4000.00}. I was never informed of the time, date, or location of the auction where my XXXX was being bid on and that was my legal right to know. I think the debt needs to be changed from outstanding interest charges accruing daily to settled in full because the lender got more money from the auction than the remaining outstanding balance of the debt. It shouldnt be possible to use one persons vehicle as collateral on another person 's debt without the vehicle owner giving permission or even knowing it was happening. I want the debt settled or else this place needs to be stopped. They prey on grieving family members who cant afford to bury their mother. Help!
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
upon typing the words ONE MAIN FINANCIAL over 15 companies ' names appeared. Many stated no inquiry to credit report would be made, but required name, address, phone, email., income sources.
I found the inquiry misleading, erroneous, not clear, confusing, and downright awful when merely looking at the information. ONE MAIN required all of my info, which I reluctantly but did provide, and they in turn reported same to my credit report with a hard hit! I called OMF asked for this to be removed, explained I was just looking at their business out of curiosity, and they said this would remain on my credit report for 2 YEARS! Not once was I aware of this, nor would I have provided the information if they had disclosed same.
In addition, many other companies in the onlines inquiry that popped up, ran same information The OMF site was misleading, confusing, difficult to understand, roped me in and then slammed me with a hard hit on my credit report. I plead ignorance because I'm not privvy to their online practices, I'm a retired senior citizen learning not only on line stuff, but the difficulty in understanding what to click, not to click, what to do, and because of this I am now being penalized for their liberties in collecting information from me and now the conclusion is my credit report is affected. My credit score is always above 700 and now i have a black mark on my report. I do not recommend anyone do business with nor inquire on line with this lender.
I DO NOT NEED A LOAN. I do not need the money. All of my bills are paid on time.
While navigating through their site many others popped up, confusing me as to who they were, how they got my info and now I don't know how to resolve this. In addition, all of the data I provided and emails I am unable to locate from them ... seems suspicisous to me in many ways here.
|
| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Where do I start? This company is a scam and takes advantage of people with bad credit. In XX/XX/XXXX, my husband and I desperately needed a car and took out a loan from One Main Financial. The loan was for {$10000.00}. The car that we purchased was only about {$4500.00} so we the rest of the loan we took and put it towards the balance of the loan.
A couple of months later, I checked the balance and noticed that the balance wasn't really going anywhere. So I gave One Main Financial a call and the lady advised me not to worry that the balance went toward the car and that interest was accruing daily. She advised me to keep the interest down, I would need to make small frequent payments and that's actually what I did.
Yesterday ( XX/XX/XXXX ), my husband and I called because we wanted to completely pay off the loan but realized the payoff amount was {$1000.00} more than the balance ( even though we have been paying on the interest for a year )! Mind you we have been paying on the interest and the principal balance was not moving. When we got on the phone with the lady, she was extremely rude and told me that since we made a big payment we may not be eligible to make payments on the principal balance. What?!!? And if I was eligible, we would have to come into the office to make a principal-only payment.
She kept trying to argue with me and I told her this was not properly explained to me nor was the amount of interest that we were paying. This company is taking advantage of people who need money right away. She continued to tell me, " well any loan that you have is going to have an interest. '' I told her I understand that but you are continuously adding on interest.
This was not properly explained to me during the loan signing process and I believe they are making XXXX of dollars off of fraudulent finance charges.
|
| 12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my credit report and I noticed there were inquiries listed that I did not recognize. Dates XX/XX/XXXX to XX/XX/XXXX. I contacted these creditors SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX.
who placed the mltiple inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Thank you for your help and assistance.
Sincerely, XXXX XXXX
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
|
| 07/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
OmeMain has blocked the credit bureaus from from removing this account from my credit report. This has count me many accounts. I've filed a police report and FTC report and the company OneMain has cancelled that debit. This account should be removed from credit report. I demand OneMain contact the Credit Bureaus to remove the block and delete this account from my Credit Immediately or I will take them to court to do so.
ONEMAIN with Account number XXXX.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED,
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I and my husband took out a vehicle loan in my name from One Main Financial in XX/XX/2020. The original loan amount was {$11000.00}.
As of XXXX I owe more than the original amount of the loan, the current balance is {$11000.00}, more than the original amount loaned, with {$400.00} monthly payments.
Per One Main Financial, I have paid {$7300.00} on this loan and still owe more than I did when I signed for it. Again the original amount was {$11000.00}. Even with interest and 3 deferments, one loan modification, to owe more than the original amount of the loan seems predatory to me after nearly 3 years of payments.
One Main Financial claims the reason I owe more than the original amount lent for the XXXX XXXX XXXX is due to insurances such as unemployment insurance which I have to wait 30 days from separation of a company to enact and the deferments above mentioned and the one modification.
I disagree that this is fair.
If I were to pay of the entire loan amount as of today I would have paid a total dollar amount of {$18000.00}. The vehicle is currently not operational either. For close to {$20000.00} I could have gotten a much nicer and newer and more reliable vehicle.
The vehicle itself is only worth about {$5000.00} to {$7000.00} in working condition, which it is not.
Even at a value of potentially {$5000.00}, I am upside down in this loan due to One Main Financials predatory and unclear lending practices by {$13000.00}. If I pay this off, I will have paid nearly 4 times the value of the vehicle if it were in working condition.
Can you please review my case, I believe this is unfair and predatory and I will never be able to pay off this loan at this rate if I owe more than I began with nearly 3 years into a 5 year loan.
Thank you for your time and considerationXXXX XXXX XXXX XXXX XXXX
|
| 05/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
On XX/XX/2022, a CSR rep from One Main Financial called me as a courtesy asking when did I want to make XXXX payment. I asked if I was able to refinance to get some cash back since I was trying to sell my home and purchase a new one. The CSR rep advised that a refinance would require to run my credit and I stated I was not interested since I didnt want an inquiry on my credit. The CSR advised I do a deferment instead. This would put one payment at the end of the loan and loan would be current. No credit inquiry would be needed for a deferment. I stated I was interested and the CSR rep processed my deferment on XX/XX/2022. However, now One Main Financial reported to all credit bureaus that I MISSED a payment for the month of XXXX of XXXX because according to them, the payment was ACH on XXXX. I called XXXX, left a voicemail and a rep called me, her name is XXXX and told me I needed to write a dispute letter and fax to them, which I did. I received another call at XXXX from the Dispute Department and spoke to the One Main Manager in the Executive Customer Care department. She now states XXXX XXXX is not able to remove that alleged MISSING payment from my credit report because this is not something they do for their customers. I told her if a payment was deferred it was not MISSED and One Main is acting in bad faith. Had their CSR rep advised I would have a missing payment in XXXX on my credit report i world have never done a deferment. The CSR rep should have been more knowledgeable and know the payment was being ACH on XXXX and not advise I do a deferment. My home lender will not approve my home loan with a missing payment in my credit report on XX/XX/2022. One Main has acted maliciously and has misinformed me, hindered me from getting a Home loan to better the quality of life if my family.
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ive received numerous amounts of hard inquiries that was unauthorized by me from these companies and wish to have them removed as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was furloughed from my employer XXXX XXXX in XX/XX/2020, and had called One Main for assistance due to Covid 19 forcing our agency to cut staff and my position no longer available. Initially, they were able to assist by lowering my payment from {$390.00} to {$100.00} for a period of 2 months. In XX/XX/2020, my furlough was extended a 2nd time to an additional 3 months, and I was told by One Main that they were unable to extend the {$100.00} per month agreement but double it to a monthly payment of {$190.00}. I was unable to pay this as my unemployment had run out, and I was barely able to make ends meet. So 2 months went by, and I received a call from the One Main collections department, who offered to re-negotiate my loan to {$190.00} per month for the next 5 years if I agreed to pay 2 months in advance. I was able to secure a loan from a family friend, and paid them as agreed providing they update my credit report to no longer show me as delinquent, and also to honor the agreement they had made.
I have not yet have had my credit report corrected, and am showing past due amount of over {$700.00}, which is not what I agreed to. In addition, every time I call One Main to ensure the loan modification has been processed and my credit report updated, I am told that they forgot to finalize, and they make me feel like I am being swindled.
I don't have anywhere else to turn but you, to plead my case and ask that you reach out to One Main to have them honor what they agreed to, and also to protect me from bad business practice, which I feel that is happening. I feel completely victimized and at the mercy of a predatory lending agency, that has no interest in helping me. I am a veteran of the armed forces and served my country proudly in the XXXX XXXX.
Please help!
XXXX XXXX XXXX
|
| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Over the last week I contacted OneMain Financial and requested that they change the method in which they refund unearned interest for my account. The reason that I asked this is because I wanted to payoff my loan, but the payoff in which they gave me was higher than I expected.
When I originally took out the loan in 2021 I was not informed the way in which the Rule of 78 works. After doing a significant amount of research I found that the Rule of 78 is widely considered a prepayment penalty due to it having the same impact as a prepayment penalty. The only difference is that in the eyes of the federal government prepayment penalty is a contractual charge imposed by a lender for early loan repayment, while the Rule of 78 is an interest calculation method that can result in similar effects to a prepayment penalty, as the borrower may not receive a full refund of prepaid interest. Even so, the Rule of 78 itself acts as an alternative route to charging a prepayment penalty as the true unearned interest amount is severely skewed when using its archaic methodology.
With this in mind I would like to add that there are financial courses that XXXX offer that state the Rule of 78s is a prepayment penalty. In addition XXXX courses teaching this there are also several states namely Missouri that have deemed the Rule of 78s a prepayment penalty due to how it heavily favors the lender thus prohibiting the use of them for all loan types. Please refer to Missouri SB 0528 to see their decision. As a member of the United States of Americas prestigious XXXX XXXX I do not expect any form of special treatment, however, I would like to call upon the CFPB to speak with OneMain Financial to view their standpoint. I also forgot to mention that the loan was taken out in the state of Oklahoma.
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| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I had a car loan with another company for my XXXX XXXX that I bought in XXXX. I only owed in XXXX {$11000.00}. I was told by One Main Financial that if I went to them my payments would be smaller and I would pay it off faster. I was told the amount owed was {$12000.00}, because they gave me {$1200.00} as a personal loan for. When I was reviewing the contract I noticed that the full amount was {$21000.00} for the loan and was told by the manager that was not a true number and to ignore it, that I would actually owe less on my car than the {$11000.00} to pay it off. I was also told in order to get this deal, I would have to sign that day and that I would not be eligible the next day. She told me that she had to go pick up her kids from daycare and that I had to sign the documents now or they could not offer this great deal to me again Over time, I would mention that the account online said it was still {$21000.00} owed and again was told that wasn't a true number and to ignore it. After making payments for three years, I called for the true payout amount and was told it {$15000.00}. That is more than I owed before I got this loan with OneMain. I filed a complaint and then was told again that the {$15000.00} was not the true amount if I paid extra every month. The math does not add up. So I have literally paid for my car twice. This is fraud and I was misled on several occasions about the payout amount. I am stuck in this loan. People should know about this fraudulent activity from this company. Furthermore, I have requested on numerous occasions to not call me during work hours and they continued to do so. They lied about the amount owed and continued to lie about it. This is fraud and they are having people sign for loans and giving them fraudulent information about them.
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| 12/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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I applied for a personal loan at One Main Financial that I learned about through XXXX XXXX on XX/XX/21. I learned I was approved for {$3000.00} more than the {$9000.00} I requested. The interest rate on XXXX XXXX 's page listed this particular loan at 16.97 %. There were many other loans offered by One Main and other companies. I was contacted by the local branch in XXXX the following morning and I was informed by the office manager " XXXX '' that the rate was 23 %. She stated she was not aware that One Main ever offered a loan at 16.97 %. I felt like it was not a misunderstanding or honest mistake. She offered the explanation that XXXX XXXX may have misrepresented the terms of the loan. I explained that I was looking at the information and terms on XXXX XXXX 's site and One Main did not even list the interest rate at 23 %. They actually did not have the rate listed anywhere other than on XXXX XXXX 's page at 16.97 %.. Again I believed it was intentional and if they were interested in having me know the full terms of the loan they would have included the information when XXXX XXXX sent me to their page to complete the application. I applied with the understanding that the loan would be at 16.97 %. There were several offers on the same page less than 23 %. I would not have One Main check my credit and have to deal with a derogatory mark on my credit for a 23 % personal loan. After not getting any satisfaction at the local branch and being refused the contact information for a supervisor above " XXXX '' I was given a ( XXXX ) XXXX phone number that served no assistance and I am currently waiting for a manger to call me back because the " two '' of them are in a meeting. I sent a screenshot to XXXX at the XXXX branch to show her the rate listed is in fact 16.97 %.
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| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On my credit report there are multiple errors reporting from the company ONE MAIN financial. One being that the account has been charged off in XX/XX/XXXX with two different balances one balance of {$4000.00} reported to XXXX & XXXX & {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX reports XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX & XXXX where the last payment with XXXX is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
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| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/23 I sent a letter to One Main Financial via certified letter. The amount in question was an account showing {$12000.00} After reviewing my consumer report I notice my transactions and experiences are being reported. Transactions and experiences between the consumer and the person making the report should be excluded from my consumer file. This information reporting has violated my rights. My information should be confidential according to 15 usc1681a sub title exclusions.
Exclusions.The term consumer report does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This was an act done fraudulently.
It is my belief that One Main Financial company has information in their database reporting without my consent. A financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless I was given the opportunity, before the time that such information not be disclosed. After reviewing the contract set in place with me the consumer I have not seen any signed disclosure forms with me agreeing that such information be disclosed to any third party meaning transunion, XXXX or XXXX.
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| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently pulled my credit report and saw multiple ( XXXX ) unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( One Main Financial ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( One Main Financial ) of any sort.
In regards to The company ( One Main Financial ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( One Main Financial ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( XXXX ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
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| 07/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American |
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Responded in my XXXX report for a possible personal loan. Several companies responded using a soft pull with amounts allowed as well as percentage rates. One Main had the best quoted rate and I responded to that offer. At that point a soft pull had been done and One Main requested proof of income as well mortgage payments. I placed all items required along with a photo ID. At no point was I aware that this loan would then process with a hard pull. A hard pull occurred on a Saturday XX/XX/XXXX. I was contacted on Monday XX/XX/XXXX by the local One Main who asked me to verbally verify the items I placed in the application. Once I completed the verification the local branch stated that she could get an approval for XXXX at a rate of 20 %. I explained to her that the rate approved on Friday XX/XX/XXXX was an amount of XXXX at a rate of 17 %. She explained that this was the amount allowed. I asked her why would the computer approve a different amount when NOTHING changed between the initial offer and that day. All income was verified, nothing changed. I sent a complaint to One Main, XXXX. I received a phone call on XX/XX/XXXX from a lady who explained One Main was allowed to amend the offer, she also explained that I had approved the hard pull by submitting the forms on XX/XX/XXXX. One Main baited me by showing a lower APR and higher amount and then switching the numbers. In doing this they made a hard pull on my credit by apparently placing the hard pull language into a fine print message. Once a hard pull is done aquiring any loan from another vendor becomes impossible because the soft pull will show the pull by One Main. One Main has caused me to become ineligible for a better rate at other lenders by placing their name on my report.
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| 01/31/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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While they did not state I was committing a crime, that was the most appropriate selection I was given.
One Main Financial, XXXX XXXX XXXX XXXX, XXXX, Il has, on multiple occasions, stated that they will report my and others late payments at the end of the month, even when they are far under 30 days late. They use this as a scare tactic, stating that payment after the end of month will affect your credit.
The latest incident occurred with XXXX on XX/XX/22. I informed her of the FCRA rules, and that the credit bureaus only report 30, 60, or 90+ lates ( as you can see next to every credit item or confirm with each bureau ). She stated it doesn't matter how many days, at the end of the month it affects your credit. When I informed her of this again, and asked her to look at the appropriate late boxes on a credit report, she chuckled and said she doesn't know because she doesn't make late payments.
This is not the first time this has been said, nor the first employee from this location to say it. It appears to be a company policy, using it to scare customers into compliance. While there is no harm in saying they report lates at the end of the month ( as most companies do ), there is harm in telling customers incorrectly that it will hurt their credit even if they are less than 30 days late. This particular instance is a 15 day late they are threatening to report.
While most interactions with them have been pleasant and helpful, this policy of teaching their employees incorrect information to scare customers is unacceptable. I want to emphasize I am not reporting against the employees, but the company whose policy they've been taught and told is truth. The employee is just doing her job ( other than the snarky comments... ).
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| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment.
Account : Spring Leaf Fin XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is there a payment history reflecting on a closed account. Last payment for this account was made on XX/XX/XXXX, so how it is possible your company have payments showing for years XXXX, XXXX and XXXX?
In this complaint accompanies a copy of the " illegal late payment- history '' for years XXXX, XXXX & XXXX reporting on my credit profile for an account that is closed and have been since XX/XX/XXXX.
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
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| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/XXXX I applied for and I was approved a {$9200.00} unsecured loan from One Main Financial. I was told by XXXX to provide my most recent paystub. I provided that, only to have the branch manager XXXX intervene and question the validity of my paystub. He then requested a W-2, might I add in a brash and rude way. I requested my application be transferred to their central processing center.
One there, I worked with someone there who stated to submit another stub, which I did and that I had until the end of XXXX to do so. He stated that a W-2 may help. I explained that I W-2 myself as I own my company and another company owner used the EXACT same stub a week prior and it was accepted. I told him that due to my XXXX name and race, I was being discriminated against. He assured me that the company has fair lending practices.
Upon receiving my W-2s, I finally went to upload them. Only for the system to say declined without considering what they requested. I called on XX/XX/XXXX and was told my application timed out. I then submitted another application on XX/XX/XXXX to be denied all together and offered a secured loan using my vehicle. I was on hold a very long time and due to the circumstances my original application was reopened and the {$9200.00} was back on the table. I submitted my most recent documents and waited. Today XX/XX/XXXX I received a call stating that it was just " agreed '' no. I literally have no late payments on my report and now it's bruised with all these One Main Financial inquires.
I was lied to, my original application did not get reopened nor did they even call my employer or anything. This is unfair and they still keep sending me offers. The Equal Credit Opportunity Act was violated.
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| 11/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Struggling to pay your loan
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Web |
Servicemember |
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I got a loan from one main financial. When I got the loan they hard sold me all the insurance they had to back up their loan to me. Medical , road side assistance, XXXX and accidental death, and some dining club thing. It drove my payment up to XXXX well I put my car up for collateral. My car has almost XXXX miles on it. At the time I got this loan I was working XXXX jobs. I hit a deer in the end of XXXX .. long story short the insurance payed XXXX almost XXXX to fix my high mileage car. No motor work, just cosmetic. I had called XXXX main to try to drop the extra insurance on my loan and at that point they offered me another loan of XXXX that would have extended my original loan another year. I told them no thanks. I didn't need no more debt. At one point I had went in the office in XXXX and tried to pay my loan way down and they said I couldn't pay it there in the office that I had to go to XXXX. I didn't understand that so I let it go, and didn't pay the money I had at the time towards my loan. Long story short, I asked them to work with me and they said they couldn't drop the insurance. After I hit the deer I lost a job, had financial difficulties, have a nice looking car that isn't dependable, and have over the roof debt on my hands. I was told that they couldn't accept partial payments... I tried to file bankruptcy and got taken on that as well. Paid the all of their fees and all they keep telling me is we need more documents. That place was recovery law offices out of Indiana. I called one main financial today XXXX XXXX before filing this complaint to try yet again to solve this issue, was told the manager would call me back .. and she never did. All I want is to take care of this debt and some fairness.
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| 11/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I, XXXX XXXX XXXX, obtained a personal loan from One Main Financial services in XX/XX/XXXX in the amount of {$10000.00} to cover wedding cost and expenses. Per the contract/agreement The monthly installments amounts of {$430.00}, with a maturity date of of XX/XX/XXXX.
My final XXXX payments were made in XX/XX/XXXX. A payment in the amount of XX/XX/XXXX a payment in the amount of {$1000.00} was paid to the account. Another payment in the amount of {$900.00} on XX/XX/XXXX was also paid leaving a balance, per XXXX XXXX XX/XX/XXXX account statement, of {$8.00}.
Recently I received an alert to my credit profile that XXXX XXXX is reporting me as delinquent. I feel that this action has caused me credit denials, decreased my fico score, and overall credit score preventing my likelihood of purchasing a home in the next two months.
Furthermore, XXXX XXXX, has violated the Fair Credit Reporting Act. More specifically the following : Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the rights of consumers to dispute inaccurate information in their credit reports and the responsibilities of CRAs to investigate disputes. It requires CRAs to conduct a reasonable investigation, notify the furnisher of the information, and correct or delete any inaccurate or unverifiable information.
Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section places specific duties on those who furnish information to CRAs. Furnishers are required to provide accurate information and to investigate disputes regarding the accuracy of information they have provided. It also mandates that furnishers update and correct information that is found to be inaccurate.
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| 04/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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XX/XX/XXXX : applied for a personal loan from this company to pay for medical expenses XX/XX/XXXX : email received stating loan documents were ready to e-sign XX/XX/XXXX : received another email from loan company stating my loan is complete, and to click on a link to download my loan documents ; it stated the link would only work for 7 days. I called the company because the link did not take me to a website that I could download my loan documents. As I recall, I never received my loan documents, and when I called the company about this, they told me the amount of my loan, and when the first payment would be due, and for how much.
Although I dont have exact dates at the moment, I repeatedly called the loan company asking for docs, including a payment schedule showing interest and principal-never received them.
XX/XX/XXXX : after going through the companys XXXX app, I noticed it said this is a Precomputed Loan I called the company again to ask what that meant, and I never got a straight answer.
My first payment was due, and paid on XX/XX/XXXX in the amount of {$240.00}, All subsequent payments have been in the amount of {$190.00}.
As of XX/XX/XXXX, I have paid in a total of {$2800.00}. The original loan amount was {$5000.00}, for which I was funded that less their fees at the time, which ended in a deposit to my account in the amount of {$4500.00}. I asked the company why I didnt get the full {$5000.00}, and they told me it was an origination fee.
XX/XX/XXXX : the companys XXXX app states I still owe {$6500.00} on this loan. I am filing this complaint against this company for illegal loan disclosure practices, an illegal loan product ( Precomputed ), and an excessive APR, which is now at 35.99 %.
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| 12/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I want to show CFPB how despicable and unethical a lending company can be. I have initially filed a complaint against One Main Financial for a violation of my rights concerning a personal loan I borrowed. When I called the company to complain I was hung up on and told to look up an obscure term they called " the rule of XXXX. '' When I looked up the term, I found it's declared an illegal practice for loan companies to use. Moreover the credit agencies I called never heard of the term. There is also nothing in my paperwork that mentions such a term. This clearly indicates how this company has no scruples and violates the truth in lending laws set up by the government. In the follow up to my complaint, the company sent me a Compromise /Release agreement for me to sign. I thought the company was going to send a simple paragraph to reach an amicable agreement. Instead, I received an agreement that they expected me to sign giving up my rights, in particular that they are guilty of no wrongdoing and a clause that I would not be able to sue. That the company sent such an abhorrent and unethical letter ( which borders on the criminal ), clearly indicates that they are in fact very guilty of wrongdoing and other unethical practices. The letter is a clear violation of not only my consumer rights, but my constitutional rights as well.
If the burden or proof is on me, I am glad for it, for their agreement is chock-full of violations. I moreover can honestly show that I have paid the principal balance I borrowed ( I have all my documentation ) and the CFPB can clearly see for themselves in their compromise letter the predatory company they are, and their unregenerate business practices, especially against XXXX
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| 10/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I was going through my One Main Financial account on my credit report and noticed that more of my {$460.00} payment is going to the interest, not the loan amount. I reached out to my XXXX XXXX, CA branch Representative XXXX and asked her what my interest rate for this account is. She then told me 35 %, when I told her the max interest rate for a personal loan in California that a company can collect is 10 % she was unaware and transferred me to another department which transferred me to another department after I told them the same story. I finally was transferred to the Customer Care Department and spoke to XXXX XXXX if he even gave me his correct name @ XXXXXXXX XXXX on XX/XX/2022, for approximately XXXX XXXX sec XXXX I told him what I told the previous representative, he said let me look at your contract, I told him California Law out ways a OneMain Financial contract. He said let me get a manager to put a complaint in. After having me on hold for so long, he came back and said his system is down and I need to call back to the Customer Care Dept. to put a complaint in. My overall complaint is if you doing business in a State and your Main branch is from another state, follow the state you doing business in rules and regulations. I am a XXXX Veteran so integrity is very big. I do not have a problem paying interest on my loan, but 35 % is too high an my State of California under article XV Section 1 states for any loan of money which is to be used primarily for personal, family, or household purposes, the maximum interest rate permitted by law is 10 % annually. I want to keep this loan as I barely make all my payments on time, but the interest rate should be modified per California Law. Thank you
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| 08/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
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I wrote ( sent a priority letter ) to the CEO of the company One Main Financial company XXXX XXXX in Indiana. I told him something wasn't right about my loan and that I couldn't understand how I could make payments and not see my loan amount go down and that the majority of my payments went to interest and not principle ( AT LEAST HALF SHOULD GO TO PRINCIPLE! ). At the writing of this complaint I paid {$160.00} on my loan and only {$49.00} went towards principle!! How is that so??!! I called the local office and asked how this could be and complained as well but the person I was speaking to only gave me the run around. In the letter I wrote to the CEO XXXX XXXX I begged him to lower my interest rate and to fix it because something was fishy about my loan ( PREDETORY LENDING! ). He NEVER answered me ( because he doesn't care! money goes into his pockets so he doesn't care about people struggling or getting ripped off as long as his pockets are fat! ). I took a loan of {$3500.00} from One Main but at the rate I'm going by the time I finish paying for it I will have paid probably {$8000.00}!!! This is wrong and something isn't right ... they are ripping people off and taking advantage of people and I think it's illegal practices. This company needs to be looked into and I don't want to be taken advantage of. I feel I'm being ripped off ... I have the documentation showing that I paid {$160.00} and only {$49.00} went to principle. ALSO they do not put how much interest they're charging you on the monthly statement so you don't have a clue as to what they are doing/charging in interest and how they're coming up with the charges!!! They also don't post on your statement what your interest rate is!!
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| 11/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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My payment came due on XX/XX/2021, on XX/XX/2021 I was contacted by XXXX main the agent calling ( a woman XXXX said if I scheduled my payment on line or over the phone with her I would not be contacted again. After I got off the phone with the lady I went on the website and scheduled my payment for XXXX for {$330.00} which is the amount showing past due their website. On XXXX XXXX main called my cell phone at XXXX pm and XXXX pm according to their records, they didn't leave a message and then called my employer at XXXX pm on XXXX. When I received the message from my employer I returned the call to XXXX main and after being transfer once I spoke to XXXX. I advised XXXX when I completed the loan application I requested to not be contacted at work, as this isn't allowed and against company policy. I was assured during the loan process they would not contact my employer. XXXX then explained they were calling because a late fee would be assessed on XXXX bringing my past due amount to {$350.00}, I had only scheduled a payment for {$330.00} as that is what the lady advised I needed to pay back on XXXX when I set up the arrangement for the past due amount. I advised XXXX he cant contact me at my place of employment and inquired as to why they were calling when I had a payment already scheduled to come out of my account on XXXX, at which time he advised because as of XXXX the amount would be {$350.00} ( includes a late fee ) vs the {$330.00} that I was originally told to pay. I don't understand why they are calling me to collect a late fee that hasn't even posted to my account yet, especially when I communicated to them and had a payment schedule on line already to take care of the past due balance.
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| 12/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I have a high interest loan with One Main Financial that I got back in XXXX XXXX. Interest rate very high at 36 %. It is 59 payments. I believe I have made about 32, because there were 2 payments returned in XXXX. I made 17 payments late and there's 5 % of the unpaid amount charged for each late payment. So I made some mistakes and they seem to be costing. But I can not wrap my brain around the pay off amount today being XXXX when the original loan was XXXX. My total actual payments until XX/XX/XXXX were XXXX, applied to principal was XXXX, applied to interest was XXXX. So I have the following concerns : a. XXXX of my actual payments are missing since the amount to interest and the amount to balance does not add up to my total actual payments made.
b. I have paid almost all the total interest due ( due is XXXX ) at this point with still 27 payments left if I were to go to the end of the payment period ( 59 payments ). Why were they applying only XXXX or XXXX or such low amounts like that to principle on so many times?
c. If I pay this payoff amount of XXXX, add that to my total payments of XXXX that is XXXX. The total I should have to pay if going the whole 59 months would be XXXX. So I am only XXXX from paying the total even though I am trying to pay it 27 months early! And even if I subtract what they say I owe for in " forborne principal and/or interest '' that would be XXXX - XXXX = XXXX ( payoff ). Add that to XXXX and you get XXXX which is still Only XXXX left to pay ( for the last 27 months ).
d. Please check if all this is legit. I am trying to pay things off so I can retire at some point, but I want to pay off legitimate amounts.
Thank you in advance for your assistance.
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| 07/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I opened a loan with One Main Financial in XXXX, I made payments and have had XXXX occasions where I had to do a deferment and one where I had to do something that they tell me that makes no sense to me, My original payout date was XX/XX/XXXX due to this being a 60 month loan. Because of the deferments and the other that I had to do that pushed me out to XXXX of XXXX.
The problem is that after 4 years of my {$300.00} per month payments I still have a loan balance of {$5400.00}. They charge a fee of over {$5.00} per day in finance charges. I have spoken with 6 different people and everyone has told me that I will continue to accrue finance charges daily. If I were to keep paying my payments every month until XX/XX/XXXX they would have to take every dollar of that payment to pay off that loan balance. This does not include any finance charges.
I have tried to resolve this on several occasions and no one there can explain to me why my balance has not came down. I have not received any return calls to explain this I am only told that someone will call me back when they have the answers.
To date I had a {$8000.00} loan and have paid back {$14000.00} with a loan balance of {$5400.00} still. If I continue to pay them the {$5.00} per day in finance charge and the remaining balance of the loan I will pay back {$28000.00}.
I feel like this company is taking advantage of people who will not question them in the payback process because they are happy to get the loan. I feel like I should be able to get the answers that I have repeatedly ask for. I think that the finance process with this company should be looked at and should be better explained to the clients who come there to get a loan.
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| 06/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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My account number is XXXX with One Main Financial. There is not an option available for what the issue is.
Concern : I notified One Main in XX/XX/XXXX that the vehicle used to secure my loan was non-operable, requiring over XXXX XXXX in repairs and even if the repairs were made there was no guarantee that it would resolve the issues. I then asked them to come to get the vehicle so it could be auctioned and the proceeds applied to the balance, after this was resolved we could discuss any outstanding balance and make appropriate arrangements. I also explained I am only available via email due to my busy work schedule. The company offers an email to contact them but refuses to respond.
I got no response, the vehicle remains here. In XXXX I removed authorization for them to charge my account ( XXXX XXXX ) and again notified them via written correspondence to contact me via email and make arrangements to come to get the vehicle to auction. I also filed a complaint with XXXX. The company did not respond to any of the above. Today I was charged a payment, which I did not authorize and I subsequently stopped payment.
Second concern : The company has been charging me for insurance which I have had via XXXX on my XXXX since I got the vehicle. I have notified them multiple times I have insurance and they were listed as the lienholders. I requested a refund, and have gotten none.
Third concern : Predatory interest rates. When I financed through them they offered to pay off my existing loan and offered me a lower payment. I owed less than XXXX when I refinanced. I refinanced in XX/XX/XXXX. I now owe over XXXX and have made on-time payments every month. This is not what I agreed too.
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| 12/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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In the drop-down selection they did not have the reason why I'm filing the complaint, so I chose whatever was closer to it. In XXXX my father passed away unexpectedly from a XXXX XXXX, and I had to take out a XXXX loan from One Main Financial. They took my XXXX XXXX car title as collateral and approved me for the XXXX loan. The lady who helped me that day went over my loan and my automated payment amounts and I agreed to what she explained to me. The automatic payments started coming out of my bank account in XX/XX/XXXX of XXXX, the amount was larger than I remember the lady telling me it was, but I thought since it had been months that they didn't take any payments they must have doubled the payments up. In XXXX of either XXXX or XXXX ( I cant recall now, and they will not provide me with the paperwork I have requested so I'm not sure ). I received a call from One Main Financial and they offered to refinance my loan. I was struggling financially and had tested positive for XXXX at the time and was staying home from work without pay. so, I agreed based on the information that was originally provided to me back in XX/XX/XXXX. I decided to check the paperwork that was given to me in XXXX of XXXX a couple of weeks ago because my loan doesn't seem to get any smaller. I still owe them XXXX, it has gone down by only a XXXX XXXXXXXX dollars. That is when I noticed they gave me 2 different people 's paperwork in XXXX and none of the paperwork seems to be mine, neither the loan agreement nor the automatic withdrawal form is under my name. I contacted them and asked them to mail me my original loan agreement documents from XX/XX/XXXX and they said they would, but I never received them
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| 10/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have a vehicle loan through One Main Financial. My payments are usually made automatically via XXXX. On XX/XX/XXXX I made a payment online for {$610.00} prior to my due date. On XX/XX/XXXX upon checking my accounts there was an additional {$610.00} that was withdrawn due to the automatic payment not being caught by One Main 's System and canceled by the payment already made. I called that Monday and was told to send a bank statement showing the two transactions that were made for a refund of {$610.00}. The representative stated that I would need to call to cancel the automatic payment as their system does not read that information. NO WHERE listed on their site does it state that. If I had known that or if that had been information that was available to ALL consumers I would have called. I was not given that option and am still awaiting a refund of {$610.00}. I sent in documentation as specified on XX/XX/XXXX was told on XX/XX/XXXX when I called to confirm the status of the refund and ensure what I sent in would suffice I was told it should take another 48 hours to complete and my refund would be received via XXXX. As of XX/XX/XXXX I still do not have my refund. And when I called to check the status I was told TODAY that the document was rejected. The document was from my bank, listed, my name, One Main 's name, and the amounts that were deducted. I was told to send in a bank statement however, like ALL financial institutions statements are not generated until billing cycles are done on a monthly basis and mine won't cycle until next month. I can not wait that long. Requiring a consumer to do such is unethical. Not listing all information on payment websites is predatory.
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| 07/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American, Servicemember |
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This submission is a continuation of the prior issue sumbitted In XXXX 2023 From XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX Once again One Main Financial feels they can do whatever they decide. I have been notified that my loan had been recalculated. One Main Financial took from XXXX to XXXX to make the necessary changes. Here are two issues : OMF knew their process of scamming customers by overcharging on interest for cancelled add-ons was illegal. They continued this illegal practice even after the CFPB won an enforcement action to the tune of XXXX XXXX dollars. Last week, the Consumer Financial Protection Bureau ( CFPB ) ordered installment lender One Main Financial to pay {$20.00} XXXX in penalties and redress due to a failure to refund interest that was charged to XXXX customers who canceled their purchases within the designated full refund period, When I notified OMF that I had cancelled the add-ons, they know immediately how to remedy this problem. Instead, they dragged their feet and now have the audacity to say I am 3 months late and owe late fee. How the XXXX does that work? I had no idea what my TRUE monthly payment would be. The second issue is that OMF has refused to show me the new loan calculations. I have made 5 requests to show me these new loan calculations. I think they are hiding the fact that once again they are attempting to rip me off. How is it that I am expected to pay a monthly payment, I have no idea how any figure was decided upon. Also, the XXXX and XXXX payment they are demanding seem to include the interest for the original amount of the loan.
I am request that CFPB file a new enforcement action against One Main Financial
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| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).
If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
Also, 1099-C must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report.
Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate, and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
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| 03/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Onemain/Springleaf financial is ruining my credit by refusing to report accurately to the major credit bureaus.
When I initially called to settle my account, I was advised that it would show as settled with a 90 day delinquency. I wanted my account to show as settled in full, current. They advised that in order for this to happen, I would need to stretch my payments out over 6 months so that it would not reflect as settled in full with a delinquency. Thats their first illegal activity.
I spoke with XXXX from the XXXX XXXX executive office of customer care who advised me that they did not know that it was possible for an account to show as settled as full with a delinquency but they will look into it and call me back. On XX/XX/2022 I received a letter from Onemain stating the following that they investigated my dispute ( after I sent one in writing ) and that they sent the following updates to the credit agencies : Balance $ XXXXamount past due {$0.00} Last payment date : XX/XX/2022 Update the payment history to match our system of record.
Account status : current Delete the first XXXX of delinquency.
I received a credit monitoring alert last week that the account was updated to current. This morning I woke up to credit monitoring alerts stating that one main is now reporting my account as 120 days delinquent!! I am extremely upset with the incompetence of this predatory lending service and will proceed with filing official complaints. I am also entitled to damages as Onemain has negligently failed to comply with its obligations under the FCRA. I want the delinquencies on my trade like from one main removed as well as {$10000.00} in damages.
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| 10/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2022, I applied for a personal loan through OneMain Financial Reference # XXXX. Shortly after finishing the application, I received an email that stated I was denied but there was no explanation. Because I was not sent an adverse action letter, I reached out to the company and on XX/XX/2022, I received an email that stated : 'the specific reason ( s ) your loan was not approved at this time is : Incomplete Application.
In order to mark the application done, all fields that were deemed required had to be filled out and they were. OneMain Financial did not give me the opportunity to give them who they could get a consumer report from, they also didn't give me the name of the consumer reporting agency that they used. All of this information should have been in the communication that they sent, but the only information that I received was that it was an incomplete application.
OneMain Financial requested that I call their XXXX XXXX XXXX XXXX XXXX at XXXX, and I have several times, but I have not received a call back. I am stressed out and feeling as if they are ignoring my concerns.
Because of the violations I actually was unable to take care of personal matters due to OneMain Financial withholding the use of me extending my own credit.
OneMain has violated the Equal Credit Opportunity Act.Pursuant to 12 CFR 1002.6 ( b ) ( 6 ) they never gave me an opportunity to present any information to indicate that the credit history being considered by OneMain Financial does not accurately reflect my creditworthiness.
They have also violated 12 CFR 1002.7 Rules for extensions of credit, OneMain Financial shall not refuse to grant an individual
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| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
Older American |
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I had financed my car through a small loan company in XXXX TX. This co was purchased by One Main Financial office in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my Bible etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the One Main ofc numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.
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| 07/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
Servicemember |
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So i have been javing difficulties paying the loan and they have tried to work with me for a couple months. It all arose from being fired and without work from a job paying me almost XXXX a week + extra income to {$0.00} a week for 2 months until XXXX when i got a job making about XXXX a week... still making that now... anyways i told them i dont have money to pay for anything i can barely live and they keep making the amount lower id have to pay ... .okay i still dont have money ... as the last 3 months have gone i get no less than 5 calls PER DAY 7 days a week. text messages from multiple different numbers and im sure if i checked emails ... this is minnd you is affter i answered calls about a month ago saying i have until XX/XX/XXXX to maek a payment... i said okay ill see hwat i can do ... .then the kept calling harrassing me trying to get payments then and there or trying to post date something hen i explicitly tell them on the calls i hav eno money i go paycheck to paycheck i barely hve {$30.00} a week for food by tthe time my paycheck hits. so again im at work i receie 4 phone calls alone last night XX/XX/XXXX after XXXX during work service. then received messages as well. in total 28 calls since XX/XX/XXXX from one of their phone numbers another phone number 28 during the month of XXXX and XXXX another number 38 times between XX/XX/XXXX XX/XX/XXXX, aother number 5 calls in XXXX phone numbers XXXX XX/XX/XXXX - XX/XX/XXXXXXXX times XXXX XX/XX/XXXX - XX/XX/XXXX times XXXX XX/XX/XXXX - XX/XX/XXXX XXXX am most recent 28 times so far this month 4 times XX/XX/XXXX one at XXXX XXXX after XXXX XXXX XXXX calls XXXX XXXX XX/XX/XXXXXXXX XXXX
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| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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One main financial has been charging me interest and late fees without my consent and they are not able to explain the charges. I set up monthly payments and they still charge me late fees. They will not provide me paperwork on the amounts that they say I owe and the representatives all keep telling me different stories. I have been sick with XXXX, my son was diagnosed with XXXX XXXX XXXX In XXXX of this year and my daughter diagnosed with XXXX XXXX XXXX XXXX XXXX in XXXX of this year so I was not paying attention to what has been occurring. They informed me today that interest and double late fees are being applied to my account and they said they system doesnt it and they cant control it.
My name is XXXX XXXX XXXX XXXX One main bank branch XXXX La XX/XX/XXXX payment was the most recent catch of the error. Monthly payments are set to draft bu weekly for {$76.00} XX/XX/XXXX a amount of XXXX attempted to draft then {$170.00}. On XX/XX/XXXX.
I asked why the charges were so high and different and I received 3 different stories ask to speak with management and documentation sent to me or made available for pick up and was told they could not help me and would have some reach out today or maybe tomorrow or whenever they get a chance.
They said interest was being charge and stated I signed a contract but I dont recall and they tried to call me to tell me but I had a note saying to not call me for payment unless I was 5 days late and the auto draft was not working. I spoke with them prior to this and they were only trying to get me to pay a outstanding balance for {$170.00} but could not explain why I was being charged this.
Please help.
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| 10/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX. Personal Loan XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX T : XXXX XXXX I recently changed jobs from XXXX XXXX at XXXXXXXX XXXX .... So, I started working in XXXX at a XXXX XXXX XXXX and XXXX for XXXX at the XXXX XXXX XXXX ( which is two part-time jobs to supplement a full-time income ). I wanted to see if I qualify for a personal loan to pay my rent + pay down my credit but mentioned the reason as " debt consolidation ''. However, the Representative offered a balance of XXXX {$1500.00} loan that could be paid off in 3 months ' time at an incredibly high APR rate of 39 % at XXXX installments ( that's interest {$3000.00} ). Says, " bring paystub in 14 days '' and " file will close out after 21 days '' ... consumers like me are taken advantage of when in desperate circumstances, I experienced that before paying down a {$5000.00} interest payday loan to pay my student balance at XXXX University, and I am like not going there again. This time around I consistently looked for what is best. Instead, I deposited two paychecks into my XXXX XXXX commercial savings account totaling in the amount of about {$1200.00} and brought down my credit utilization rate by paying in full 2 credit card debts.
I have a credit line of XXXX and on-time payments of 100 % past 3 years of credit history and a borrowing power of {$17000.00}. I am sure another person in a different income bracket would have better treatment, and I mean treated in a fair manner by ONE MAIN FINANCIAL.
XXXX XXXX approved an {$8600.00} personal loan at a lower APR after checking my employment. I would like ONE MAIN FINANCIAL to REMOVE that HARD INQUIRY, please.
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| 10/27/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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OneMain Financial has called my grandmother & I on multiple occasions to collect debts in which we do not owe! My sweet grandmother is currently on bed rest with a XXXX XXXX from XXXX and I do not appreciate this company bothering us with unnecessary calls! The lady who called me had an unpleasant attitude when I answered the phone and had an even worse demeanor when I inquired about her identity. She proceeded to ask me if I knew the whereabouts of XXXX XXXX. This a violation of Title 15 U.S.C. 1692c ( b ) ( Communication with Third Parties ) because I have not, nor has my grandmother, consented to or authorized any form of communication with OneMain Financial. Mr. XXXX surely did not list our names or phone numbers as a references for this company to contact so I would like to know how and where they retrieved or phone numbers. After I asked the lady to identify herself again, she hung up on me without answering my question and that was a violation of Title 15 U.S.C 1962b ( 1 ) ( Acquisition of Location Information ). On XX/XX/2021, I managed to capture a screenshot of one of the calls from OneMain Financial and I will attach that photo with this complaint. According to Title 15 U.S. Code 1692k ( Civil Liability ), the debt collectors who call our phones are violating two of our rights in Subchapter V. ( Debt Collection Practices ) and should be held liable for damages! OneMain Financial Group LLC is also not registered in the State of Florida with the NMLS which is a violation of Title 12 C.F.R. 1008.103 ( Individuals Required to be Licensed by States ), so there is no way I am going to tolerate such behavior from this business!
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| 12/20/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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I am writing to inform you that XXXX XXXX XXXX XXXX XXXX, a debt collector, has violated the Fair Credit Reporting Act ( FCRA ) in their efforts to collect a debt from me.
According to previous court orders, the amount of debt owed is {$2800.00} to ONEMAIN, and I am required to pay this amount directly to XXXX XXXX XXXX XXXX XXXX. However, in their latest correspondence, XXXX XXXX XXXX XXXX XXXX advised me to use a third party to schedule payment for the debt. This violates the court orders and is a violation of section 611 of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.
Furthermore, XXXX XXXX XXXX XXXX XXXX has stated that the amount owed is {$2800.00} in their latest correspondence, a discrepancy of {$27.00}. This violation of the accuracy requirement under section 623 of the FCRA is compounded by the fact that XXXX XXXX XXXX XXXX XXXX has failed to provide me with the necessary file number and other important information, as agreed upon in the closing letter dated XX/XX/2022 with XXXX XXXX XXXX XXXX. This lack of transparency and disregard for court orders is a further violation of section 611 of the FCRA.
In addition, XXXX XXXX XXXX XXXX XXXX has contacted me directly instead of my attorney, who has been designated as my representative in this matter. This violates section 805 ( b ) of the FCRA, which prohibits debt collectors from communicating with a consumer in connection with the collection of any debt if the debt collector knows that the consumer is represented by an attorney with respect to such debt.
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| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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One Main Financial XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file.
XXXX XXXX XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts.
I am demanding XXXX XXXX, OneMain Financial, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
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| 07/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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OneMain Financial told me that to get a loan, I would need a lien on my car. To get a lien on my car they told me they would need me to pay off all tickets. They told me they could do this themselves. This was back in XX/XX/XXXX. I had an outstanding ticket from XXXX and XX/XX/XXXX. They asked if I wanted them to pay off the tickets, and I agreed. So they took out money from the loan they were giving me to pay off these tickets. I paid off my loan in XX/XX/XXXX, and waited over four weeks to get my new title as the lien will be taken off the car. After not receiving it, I called one main financial and they said that their application to be a lienholder on my car all the way from XXXX have never gone through because one of the tickets, the ticket from XX/XX/XXXX, had not been paid. Apparently they had only gone to pay the XX/XX/XXXX ticket. Now I am unable to renew my registration on my car due to this pending application for a lienholder from XX/XX/XXXX, I am unable to get the title back on my car due to this outstanding ticket that holds the financial company from finishing their application to be a lienholder. I was never told that their application to be a lienholder never went through and it is seven months later. I am now being charged late fees on my registration, I am unable to renew my car registration, and I still do not have the title to my car and its been over five weeks since I paid off my loan. After paying off my loan, they also never told me about this application issue that would stop me from getting my title. I have called plenty of times throughout my loan., And Ive never heard anything about this.
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| 01/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
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|
Web |
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To whom it may concern : I have had a regular amortized installment loan through One Main Financial ( XXXX XXXX, Illinois ), for approximately {$7500.00}, for about 2 1/2years. I subsequently requested to refinance a little over a year ago, in order to pull additional funds out, and was advised by the loan representative that all terms would remain the same throughout the life of the loan. After a little over a year of paying $ XXXX monthly ( automatic withdrawal ), approximately {$6000.00}, I realized that the outstanding principal balance had only been paid down by approximately {$450.00}. Needless to say I was shocked and reached out to the branch immediately on XX/XX/2021. I spoke with the branch manager and was advised that the program the loan was initially under was changed from a typical amortized loan into a Daily Simple Interest ( DSI ) loan. The aforementioned program/product ( bait and switch ) was never disclosed by the loan representative at the time. Disclosures were signed under the impression that all items remained the same, as stated by the branch representative. These types of business practices are the epitome of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and Fair Lending/Servicing violations in which " significant '' financial injury was caused for monetary gain by the institution. Please conduct a thorough investigation into these entities, which are basically stealing from hard working citizens, and switching consumers into loan products similar to a payday loan. A formal complaint will also be filed with the XXXX, State Attorney General, & FTC as well as commencing litigation.
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| 03/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
Servicemember |
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OneMain Financial Group LLC Complaint XXXX Dear Sir or Madam : I paid off my balance with OneMain Financial Group LLC XXXX XXXX XXXX XXXX However, they never filed a release with the Registry of Motor Vehicles In MD.
I spent {$25.00} to get my title only to find out that they are holding a lien.
XX/XX/XXXX I am on the phone with them, XXXX, and they said that they release the lien in XX/XX/XXXX. However, I am on the phone and they are not willing to send another release. They gave me another phone number XXXX, Customer Complaint line. She talked to the manager and I have to call that number.
I get a message that they are not there -Executive Customer Care at One Main Office and I have to leave a message.
I left a message.
This is plain out a violation of the law wherein once a balance is paid they are to release the lien with the Registry of Motor Vehicle it is their job. I asked for another to be sent and I was told I had to go to the other office.
This is a repeat of last year wherein I called XX/XX/XXXX to XX/XX/XXXX and asked for the lien to be removed from my XXXX XXXX. It took months. They should be held accountable and punished in addition to my loss of {$25.00}. But for their negligence and willingness to take care of this and not make me waste more time, I have to call another department. How many people do they do this too?? I also dont expect to call them for 3 months like I had to do last year. I want this resolved and mailed to the registry within 3 days.
Again, I need a title without their XXXX and I need my Money back.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX MD XXXX XXXX XXXX
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| 07/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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For about a year since XX/XX/XXXX, I have asked them to let me work on refinancing the loan which would require doing so in person. However, due to the financial hardships of living in Washington state, I had to re-locate my family to the XXXX. OneMain Financial refused to allow me to move my account to another branch closer to where I lived.
I have also been dealing with other personal matters that I've explained to them that have impacted my ability to pay at the moment ( needing to supply furniture for my kids, basis necessities after moving across the country ). They have now called me harassingly from XX/XX/XXXX to XX/XX/XXXX - a total XXXX times in that period. They know I work during those times as well.
Here are the dates they've called from nine difference branch locations : XXXX - XXXX, WA branch XX/XX/XXXX, XX/XX/XXXX ( 3 times ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - Auburn, WA branch XX/XX/XXXX XXXX - XXXX, OR branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX When I finally had a chance to answer a call on XX/XX/XXXX, I brought up the number of call. They said they were allowed to call up to 5 times a day. When I brought up the Fair Debt Collection Practices Act states a violation would include calling 7 times within a XXXX period, they told me I had to make a payment by the end of the month or else.
I will not accept this threatening talk from them when I brought up that I felt they were harassing me.
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| 01/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by ONEMAIN FINANCIAL on XXXX XXXX, XXXX, XXXX. XXXX XXXX, and I have no recollection of doing any business with ONEMAIN FINANCIAL. I contacted ONEMAIN FINANCIAL, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
The second inquiry was made by XXXX XXXX XXXX. I do not remember working with this company, but I do remember working with XXXX XXXX ; as they are the company I used for my recent auto loan. However, I applied for that loan just a few weeks after applying for similar loans from XXXX XXXXXXXX XXXX XXXX XXXX Based on my research, I believe only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX should be the only inquires showing on my report. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
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| 08/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
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Web |
Servicemember |
|
I'm trying to pay off my XXXX XXXX credit card instead of paying monthly and show it paid off on credit reports. I only 3. The other 2 are paid off. I'm trying to get the 3rd.
So I applied online with One Main Financial. I was approved for {$11000.00} secured loan.
In order to obtain funds, the next process is to submit the required documents. I submitted my driver 's license, vehicle registration, vehicle insurance, vehicle title, and paystubs from two different jobs ( XXXX XXXX which they allowed, the XXXX they didn't because my proof was by bank statement and they only accept alimony, etc as proof of income via bank statement ).
After I submitted the documents they moved the goalposts and asked for my 1040 Schedule C, and proof of tax extension. I sent my XXXX XXXX XXXX XXXX schedule C and my XXXX proof of approved file extension from XXXX XXXX.
Now, they're saying we can't complete the loan without proof from the IRS that it was successfully extended. I responded, " XXXX wouldn't send me the email confirmation if they didn't get it approved from the IRS ... '' She then says I know, but we need IRS confirmation. That's XXXX. If I ask to see that in writing I guarantee you it wouldn't be there. They just don't want me to have the loan. I only want to pay off a {$3000.00} revolving credit card with 35 % interest. My car is worth {$6000.00}. I only {$3000.00}. They're stopping me for a file extension. Same scenario but caucasian they're not putting me through all the hoops.
When an XXXX says they have to be XXXX better to do average, this is what they mean. We have to jump through more hoops.
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| 11/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
Servicemember |
|
XX/XX/21 I applied and was approved for secured loan with One Main Financial. I was approved and uploaded required documents for a check disbursement from a XXXX in the XXXX, MN branch. I signed all the necessary documents in the branch via a computer. I was told my loan would be disbursed immediately.
I cancelled an important meeting as to meet with her in person and obtain check. XXXX the wrong payoff on my vehicle from the current XXXX holder. I informed her such information was incorrect. XXXX was very abrupt and rude and told me, " she waited on hold XXXX minutes to get my pay off amount and that it was correct! '' She then said she was, " Done and that I had to leave the office immediately '' without offering any other information.
I contacted the OneMain XXXX XXXX in XXXX, IN and was required to leave a VM and wait for a call back. As of the time of this complaint no one has returned my call.
I then called XXXX -- XXXX and was told I had to go through the sales center and could not visit a branch. I was transferred to a XXXX, referred as my, " closer. '' XXXX then told me he had all documents necessary except for my vehicle registration and to upload that via my OneMaiXXXX account on line. Trying to log into my online account, but it is NOW MISSING!
I then called OneMain XXXX number again and I was put on hold XXXX minutes ONLY TO BE TOLD SHE HAD TO TRANSFER ME. I was transferred to the main number once again! That representative told I had XXXX applications on file. I only applied for XXXX and have submitted and filled out ALL DOCUMENTS AND SIGNED LOAD DOCUMENTS THIS morning with XXXX!
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| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I am under the impression that because I did not pay the whole {$9000.00} plus that the company wanted me to pay at the end of the full contract that my account was marked as not settled in full, however I did pay ALL the money that was initially given to me in full. The loan was paid off before the full term so of course I didn't pay what I would have paid if the loan was left open longer. How am I getting punished for interest that I didn't accumulate due to the contract closing sooner than later. Keep in mind this was all going on during the peak of Covid-19 with no income coming in which is why I applied for the loan in the first place. So basically the company is upset because they didn't make any money off of my loan. I paid EVERY dollar BORROWED BACK that was deposited into my account from One Main. You can't count interest for a loan that was not open for the full term which is what I discussed with their lawyer on the phone while mailing her my certified payment. I was promised otherwise and my credit report does not reflect what I was told. Please fix this because I am not accepting this from the company. I received a loan from the company in XXXX 2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more than they first gave me. I had disputed before and still no resolution from them. Please help.
|
| 10/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
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I have communicated to OneMain Financial that I was a victim of an internet scam. My funds including my loan were stolen through the scam. I filed a report locally and federally. The scam has ruined my life financially. I am trying to catch up on my bills and other areas of obligation. They said they didnt have any resolution for me except deferring the payments temporarily. I recently received notification that my request to lower the payments permanently was denied. I can no longer afford to pay off this loan. Im aware of the negative impact it will have on my credit history. I dont have a choice as long as my case is an ongoing investigation with no guarantee my funds would be recovered. Since confirming they couldnt assist me in my unique matter, theyve begun to call me relentlessly. Today OneMain Financial crossed the line by contacting my employer. My employer is not a form nor main contact option in my profile. My employer doesnt have a direct line. All calls are directed XXXX XXXX XXXX. They proceeded to pose as a client for my employer requesting I contact them. XXXX XXXX proceeded to send a highly visible email to my location that is seen by my team that I manage revealing a client from OneMain Financial is trying to contact me. I want to cease and desist all contact with OneMain Financial. They are harassing me. Ive accepted my financial crisis and Im trying to resolve my debt in order. If my debt reaches collections then I accept. I can not afford to keep up no longer. Thats my prerogative. I do not want to be harassed or my financial strife exposed at work. I feel extremely violated.
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| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
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Web |
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On XX/XX/2023 I initiated a payment in the amount of {$1500.00} to bring my account to a XXXX balance. This payment showed posted to my account on XX/XX/2023 on the XXXX app. According to the XXXX app, my available credit should show up in 1-2 business days. Five days later my available credit has not changed. I called customer service and spoke to XXXX. XXXX was not able to provide me any information and continued to read a script. I asked to speak to a supervisor to get more information, XXXX continued to tell me that the supervisor will only give me the same information he has. After XXXX hour on hold waiting for a supervisor I decided to file a complaint thru their complaint system because the phone call was going nowhere. XXXX completed the complaint form for me and the call ended after an hour and still no information as to why it would take 10 days to receive my credit. This is 10 days that my money is in limbo and unavailable. XXXX told me they use many factors to determine when the credit will be applied, but could not tell me what any of those factors are. I have had this account for 18 months and have made every single payment on time, which was acknowledged by XXXX.
If you decide to use this company just know that the customer service representatives can't give you any information beyond what you're able to see yourself in the app or on the website. This is a complete lack of customer service. It's also very condescending to repeat over and over that even if you speak to a supervisor they will only tell you the same thing that the customer service representative tells you.
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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Im writing this complaint regarding some late payment I received in XXXX of XXXX. In XXXX, I lost my job due to my current company having to lay a lot of people off to recover from all the losses that were taken during Covid-19. I have been a long-term faithful customer of One Main since XXXX and have never missed a payment. I sent a good will letter on XX/XX/XXXX, asking One Main to remove the late payment and the company sent me a generated letter advising me that it couldnt be removed. I feel as if the company is discriminating and not investigating the full details of my account. Everyone didnt lose their job during the peak of Covid-19. Some people were fortunate to maintain employment. During the peak of the pandemic, all companies offered customers all kinds of different support to help avoid late payments or loss of their homes, cars, etc. A lot of people were using the pandemic to abuse their creditors, unemployment, and state government funds. People like me who maintained their employment still made on times to all my creditors but once my job laid me off due to Covid-19, it seems as if none of the relationships I built with all my creditors cared to help me and it hurts to know that the relationship isnt valued. If a customer who has never paid their account late in years starts missing payments, the company should know something is really wrong and offer help. I would like someone to really investigate the issue of the late payment I received and remove the only late payment I have ever received from my credit reports. This late payment is destroying my credit worthiness.
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GOODWILL LETTER XXXX XXXX Account Number : XX/XX/XXXXXXXX To Whom It May Concern : XXXX XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX. for my One Main Financial account.
I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, since COVID19 things has been very hard, I'm at a point that I'm reestablishing myself. I have a better job and I'm in the process of saving more and I'm enrolled in financial seminars weekly. I'm improving my credit as well and learning money management. Ive had a spotless record of on-time payments.
Im planning to apply for to purchase a home in the next year and a car as well. This forgiven will help my credit greatly, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late in the amount of XXXX which includes the year and months of late payment. XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX for my One Main Financial account.
Thank you for your consideration, and I hope youll approve my request.
|
| 10/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I received an installment loan through one main financial end of XX/XX/2018, using my truck title as collateral.
They told me my interest rate was 24 % I started paying attention to my statements as my balance wasnt going down much and noticed that even though my balance was lower they were charging me more and more interest every month even though prime rates have dropped since I got the loan.
I spoke someone from onemain after I sent an email from them saying they practiced fraudulent and deceptive lending practices.
He called and tried to explain away why my interest was going up even though my balance was going down every month and he told me that it was because the interest is accrued daily. And then I asked him well if it's because it's the length of time in between payments then why when I made a {$200.00} payment in XXXX did {$190.00} to go towards interest and then I made another payment 6 days later and 90 % of it went towards interest as well even though it has only been 6 days ... I asked him then why was that the case and he then contradicted himself one more time and said will because there was other interest back interest it was owed and so it all goes towards interest before anything goes towards principal and I said if that's the case then why did {$4.00} go towards principal from the previous payment it's interesting how to be paid off first he contradicted himself many times and then also told me that my rate wasn't 24 % but it was 34 % even if it was 34 % I've made 20 payments of an average of {$200.00} each and my {$4600.00} loan says I still owe XXXX.
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| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.
According to the provisions of XXXX ( XXXX XXXX XXXX ), there should be no charge for this report.
|
| 11/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a personal loan in XXXX with One Main Financial and agreed to a {$10000.00} loan at 30 % interest. I had made payments on-time as agreed. This year due to COVID-19, I was furloughed in my role at my job and had my monthly compensation cut by over 40 %. I reached out to One Main Financial to try to modify the loan and have the interest rate cut to reduce my monthly payment amount as I have been struggling to get by this year. I did reach out to all my other creditors and they worked with me to reduce interest rates down to 6 % to 8 % in many cases.
One Main Financial would not adjust my interest rate at all. Instead they offered to reduce my payment in half for 2 months with no reduction in interest rate that only offered very little short term benefit. They also wouldn't perform any modification as I had to provide my tax return to prove the reduction in income in XXXX as I am self employed. The problem is that I do not file my XXXX taxes until XX/XX/XXXX as I am self employed but I needed help now and One Main Financial would not offer any assistance to me. I have been a customer of One Main Financial for many years and I would have liked to have seen them work with their customers in a larger way in a significant time of need in a pandemic.
It took me a while but I was able to borrow money from my family to pay off this loan now since One Main Financial is not interested in working with customers in distress and would rather take advantage of customers struggling by not working out a loan modification as the rest of the industry did to help customers in need.
|
| 08/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Sixty Days??? For what??? They will not respond to my request for accounting statements of all payments and charges. They lock you out on the website and put up notices you can't pay your loan off. They are charging me a monthly {$300.00} with NO balance due listed. They would still be debiting my account for {$400.00} if I didn't stop it. They are lying and stealing from me and you are going to give them sixty more days to charge me more fees, interest and whatever. I demand this be stoped now. They send me XXXX form emails, They say I have to call them to listen to there XXXX sales pitch. They will not send me any legitimate loan documentation and they are drawing this out to force me to pay more every day.
-- -- -Original Message -- -- - From : CFPB XXXX To : XXXX XXXX Sent : Wed, XX/XX/2022 XXXX am Subject : The company has responded that it is still working on your issue.
CFPB Header ( XXXX ) XXXX consumerfinance.gov The company has responded that it is still working on your issue.
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days.
You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone.
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Payday loan, title loan, or personal loan ISSUE Problem with the payoff process at the end of the loan Log in to view company response First time logging in? Set up your password
|
| 03/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I paid my regular required loan on XX/XX/XXXX On the XX/XX/XXXX I made an additional payment to be applied to the PRINCIPAL ONLY.
I just received my XXXX statement where the company ( One Main Financial ) took {$57.00} out of the {$110.00} for themselves as interest.
Only {$58.00} of my {$110.00} was applied to the principal which I had made the payment to only the principal.
On my first and regular payment made on XX/XX/2021 again Only XXXX went towards principal and {$100.00} went to OneMain for Interest.
I need assistance in clarifying if I send in my payment to be applied to the Principal balance after I had already made my regular monthly payments, can OneMain do what they did with my principal payment?
My second complaint against this company is : They never advised me that they were going to use my car as Collateral. It was not until I was called in to sign the papers they told me they need to inspect my car and need insurance papers on my vehicle.
At closing all additional stuffs are added to documents to be signed on a computer the day of closing.
No hard copy of all charges is given to be read before closing date and time is scheduled for me to sign.
I think this company needs to be more transparent in their lending practices and requirements, due to the fact that their targeted consumer market is lower income families.
I have purchased over three homes in my lifetime, and have never confronted any accounting methods such as OneMain Financial accounting practices.
The loan is hardly been reduced.
Thank you for yoyr attention to the this matter.
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you ( ONEMAIN ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733.
( ONEMAIN ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( ONEMAIN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( ONEMAIN ) for the account opened XX/XX/2021 with account number XXXX.
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( ONEMAIN ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and XXXX.
If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/2022 i need a personal loan to take care of some personal needs that i had need to take care of. i got on XXXX XXXX to because the always suggest companies to get personal loans from. So, One Main was one of them i applied and got approved. They called me and told me the only way i can get the loan is using my car for collateral i did and Reget it. I recently went through a hardship due to the hurricane. I called the local to let them know I'm out of work and can I apply for a deferment until i get back on my feet. they applied on they told me i have to call to get other for the next month. I called the customer service number they informed me that to get a deferment i will have to pay money. That sound crazy to me because this isn't my 1st auto loan and when you get a deferment you don't pay. i been call at least twice a week this month so I can speak to a supervise to explain my hardship. so today is XX/XX/2022 I called XXXX this morning to speak to a supervisor they informed there no supervisor to speak to she gave me a number for customer complaint. That number doesn't address my issues I call back at XXXX they rep transferred me to a supervise and i told her my situation. She explains to me the same customer policy that i would have to make half of the payment to get a deferment. I told her if had the money I wouldn't need a deferment. I feel like this isn't right they supposed to have a program that helps customer in hardships. I'm making my monthly payment to you faithfully and there way you can help the customer. you rather put me further in debit.
|
| 04/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
One Main Financial has repeatedly called me several times a day. Sometimes more than 7 times in a week. It is harassment how much they have called me.
They even call from different numbers ( on the Same Day ) and leave multiple voice-mail messages.
I had already made the rest of this month 's payment yesterday, and one of their debt collectors still called me that same day. I have proof of all of this.
They've even started to call my home phone throughout the day several times.
I can't afford the whole payment at one time, so I have to spilt the monthly payment amount in two, which I have done every single month.
I've attempted to make arrangements with them previously and they put me on a program that appeared to helped me make lower payments at first, but it actually caused me to have to pay more for the loan over time.
That was not clearly explained to me when I first signed up for the program. It wasn't until I tried to renew my eligibility months later, that one of their representatives told me that it was a horrible program that they trick people into.
This representative told me that spilting the payment up in 2 parts every month was better as my whole bill would be paid that month, plus I would not he paying extra in intrest.
I'm not in the best financial position right now, but One Main Financial ALWAYS gets paid the full payment every single month, yet they continue to harass me by calling me incessantly.
This company has extremely unethical business practices and I'm considering suing them if they do not stop these harassing calls.
|
| 03/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Unable to make full payment due on XX/XX/XXXX. Made half payment on XX/XX/XXXX after receiving and responding to a text message from One Main Financial on XX/XX/XXXX stating " OneMain : Would it help if you could make a one-time reduced payment of {$220.00}? You would resume XXXX r payments going forward and are still responsible for any other past due amounts. We're hereto wor k with you, so text me back or call XXXX for eligibility. '' Despite making partial payment, One Main Financial continue to place harassing phone calls to me up to XXXX times per day. I spoke to branch XXXX XXXX on XX/XX/XXXX who incorrectly said i was XXXX months late. I corrected her and advised i was only late XXXX a payment total for XXXX which she argued with me about and was adamant I was XXXX payments behind and then agreed and stated I was correct and was only XXXX payment behind. I advised I was in between jobs until XX/XX/XXXX and would not be able to pay until first check received. She then proceeds to ask when I can make the half payment I am late and she can't set up payment assistance as promised in text because I didn't have current pay stubs and I was only XXXX payment behind. She was very pushy and did not listen to me. I told her to move forward however she wanted since she wasn't listening to my situation and I was unable to pay XXXX payment at this time. Advised her to is she keeps calling multilple times per day and I would have to block their calls. I continue to receive multiple calls per day from One Main Financial from different numbers from their company.
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XXXX is reporting Springleaf Financial Services creditor ( which uses alias company names to obfuscate and obstruct consumer disputes ) to be a collection/charge off account on the XXXX website on my current credit report. Yet it also states a {$0.00} balance with no past due payments. It also states it sold this debt to a another lender without mentioning the name of the other lender. My XXXX credit report shows that currently XXXX is reporting Springleaf Financial Services ( Springleaf, Springlf Fin ) is a closed account with {$0.00} balance and no late payments. So because Springleaf is a closed acccount, with a {$0.00} balance, and this has been purchased by another lender, the other lender has not been reporting since the purchase and does not even list their name.1. The time-barred statute of limitations for collections is 3 years in XXXX/XXXX from the first report of deliquency. That is 4 years past. 2. This creditor reports a {$0.00} balance with them so they are not collecting. 3. If this supposed debt was sold, it is not listed to whom, but still disallows Springleaf by any alias to report on negatively on my credit because I have no financial obligation to them as Springleaf reports a {$0.00} balance and no late payments. 4. No verification of debt has ever been produced by Springleaf nor this supposed other purchaser of this debr to me for this debt, which is not a debt because it is a {$0.00} balance. It is only the right for the purchaser of this supposed debt to make a claim after verification of debt to them that I even owe a debt.
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| 08/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore ONEMAIN FINANCIAL was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, ONEMAIN FINANCIAL has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : ONEMAIN FINANCIAL Alleged Account Number : XXXX Alleged Debt : {$0.00} Alleged Date Opened : XX/XX/2016 Alleged Date Closed : XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( XXXX ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) - ( v ) XXXX ( c ) ( XXXX ) ( XXXX ), FDCPA 12 CFR 1006.34 ( XXXX ) ( XXXX ), FDCPA 12 CFR 1006.34 ( XXXX ) ( XXXX ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
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| 09/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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I OPENED AN ACCOUNT WITH A LENDER CALLED ONEMAIN IN XX/XX/XXXX. THE ACCOUNT WAS NEVER REPORTED LATE UNTIL XX/XX/XXXX AFTER THE LENDER REMOVED AN AUTOMATIC DRAFT AGREEMENT. THE AUTOMATIC DRAFT AGREEMENT WAS DONE BY PHONE, AND I GOT NO WRITTEN VERIFICATION OF THE AGREEMENT.
THE LENDER ( ONEMAIN FINANCIAL ) TRIED TO RUN A LOAN FLIPPING SCAM BY AGGRESSIVELY CALLING ME MANY TIMES TO REFINANCE MY LOAN. THE REFINANCING OF MY LOAN WOULD HAVE COSTED ME HUNDREDS OF DOLLARS IN NEW FEES AND ADD ON PRODUCTS THAT WOULD HAVE BEEN ROLLED INTO THE NEW LOAN AT A VERY HIGH INTEREST RATE. AFTER MANY AGGRESSIVE CALLS ASKING ME TO REFINANCE MY LOAN, I ASKED TO BE PUT ON A DO NOT CONTACT LIST. I ALSO ASK FOR MY PAYMENTS TO COME OUT OF MY BANK ACCOUNT AUTOMATICALLY TO AVOID ANY FURTHER COMMUNICATION. INSTEAD OF PLACING MY LOAN ON AUTOMACTIC PAY FOR THE LIFE OF THE LOAN, THE LENDER PLACED THE LOAN ON AUTOMACTIC PAY FOR ONLY 12 MONTHS. THIS MEANS I WOULD HAVE TO SPEAK WITH AN AGGRESSIVE SALES AGENT AT SOME POINT IN THE FUTURE. AFTER THE 12 MONTHS OF AUTOMATIC PAYMENTS THE LENDER TERIMATED THE AGREEMENT TO AUTOMATICALLY DRAFT MY ACCOUNT WITH OUT NOTICE. I DIDN'T KNOW THE AGREEMENT WAS CANCEL, AND AFTER REPORTING ME 30 DAYS LATE THEY MAIL ME A NOTICE. I IMMEDIATELY BROUGHT THE ACCOUNT TO A CURRENT STATUS UPON RECEIVING THE NOTICE STATING MY ACCOUNT WAS OVER DUE. I NEVER HAD ANY 30 DAY LATE PAYMENTS ON THE ACCOUNT PRIOR TO THIS TIME. I WASN'T NOTIFIED BY PHONE BECAUSE OF THE DO NOT CALL STATUS DUE TO PREDATORY LENDING, AND THE LOAN FLIPPING SCAM AGAINST ME.
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| 10/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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My complaint regards XXXX XXXX practices and unfair Truth and lending disclosures with the act of deceptive practices. I signed a personal loan agreement using my car for collateral. I was given the Truth in lending disclosure showing my APR of 17.92 % for 56 months, amount financed {$18000.00}, and payments of {$470.00} monthly. Total cost to borrow this shows,. {$9000.00} total amount after all payments should be {$27000.00}. They not only charge the APR which should average {$160.00} monthly and the remaining of payment should go towards principle. This company charges the APR amount plus daily interest which averages {$6.00} daily, which amounts to approx {$200.00} a month. This daily interest is not what is stated in the Truth and lending disclosure. So this means they have been taking approx {$360.00} a month out of my {$470.00} payment for interest. The remaining balance of {$110.00} goes to principle, on a good month. I have no problem making this payment but only if they take the interest that is disclosed and apply the rest to principle. They continue to say that this is an interest bearing loan, which I thought all loans were, they do not adjust these figures and refuse to look further into their deceptive practices. I have talked with XXXX the branch manager in XXXX XXXX, XXXX another manager in XXXX and many others in their customer service department in Kansas, I think. This company does not see this as a Predatory and deceptive practice, as I do. I would like to see this type of practice gone, as this is unlawful.
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| 07/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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Ive made multiple attempts and multiple times not receive any assistance by multiple associates including supervisors at local branch and customer service number. Not happy or with service received from my local branch where my account is located. ( The XXXX location ) The branch has giving me a hard time about my inquiries regarding my account and has been extremely rude, dismissive and not willing to assist me with my concern on multiple occasions. I spend several hours reaching out for assistance and continue to be transferred from one person to another to another over and over again and no result. I have a Daily interest loan with high interest rate. I am well aware of. My concern is Ive noticed my payment these past few month as been going more towards interest and less towards principal. Ive had this account for some time and made all payments as scheduled and never missed a payment. Over time with this account I should see more of the payment applied toward principal and less toward interest. That is not the case. At this point I feel I am being robbed and this account is not correct. Please look in to this matter and assistance me as soon as possible. I will look to escalate this matter to executive office. I hope to hear back from someone regarding this urgent matter. I do not want to speak with anyone from my local branch.
I am completely dissatisfied with service Ive received up to this point and dont wish to do any further business with this OneMain financial and would not recommend or refer any to do so themselves.
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| 07/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Servicemember |
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1.One Main constantly advertised in my XXXX XXXX account.
2. I finally applied for a loan with One Main several days ago.
3. I was pre Approved and then Approved for a loan and one main offered me approximately {$8000.00}.
4. I received info in email stating again that I was approved and which stated I needed to verify XXXX XXXX XXXX.
5. I received a phone call stating I needed to verify XXXX.
6. I submitted every piece of verification to them.
7. I submitted electronic verification of bank accounts by connecting one of my checking accounts.
8. I was told again that I AM Approved and it would process within the morning.
9. The next day came and my login dashboard for onemainfinancial.com still said VERIFYING and remains saying VERIFYING til this day and Pending.
10. I called and inquired as to Why?
11. I was told the underwriter now would like a copy of a tax return and proof of Direct Deposit or I will not get the loan at all even though Im approved.
12. I explained I am a XXXX and do not have a tax return for my XXXX position and that I never said I received direct deposit and I do not.
13. I received a call from the branch or district manager supposedly and discussed XXXX Discrimination. She assured this is not the case however did nothing to over ride this refusal to give me the CREDIT WHICH I HAVE QUALIFIED AND BEEN APPROVED FOR AND SUBMITTED ALL ADVERTISED VERIFICATION FOR AND BEYOND.
14. At this point I log in and my status still remains PENDING/REVIEW with one more step which is to finalize loan documents.
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| 07/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2021 around XXXX XXXX XXXX I received few alert emails from XXXX XXXX mentioning there is an inquiry and the change to my credit report. This is very suspicious as I did not need to apply for any loans at the moment. I logged in to XXXX and found there is a Hard Inquiry from ONEMAIN Address : XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX. I called the number and I was asked to provide my phone number but my number did not match to the application on file. Then I was asked to provide the XXXX, they found it and locate the loan went to One Main Financial address in XXXX XXXX XXXX, XXXX, NM. They then connect me to the loan officer, they have verified the email address and the Phone number provided did not match mine. The phone number on the application start with XXXX are code and last XXXX is XXXX, also the email was a gmail account. They have assured me that in this case someone had used my XXXX for the loan and they have stopped from processing the loan and assured me that there will be no money approved for this loan. I have also clarified that this has never happened before, and I had a XXXX XXXX XXXX against my XXXX when this issue occurred. Highly suspected that this must have been done by someone who knew my XXXX but I have no proof. They had advised me to freeze the credit report from all XXXX credit bureaus, to make sure similar issue will not happen again. I have done everything they suggested me to do, and have also file a dispute to XXXX to have this Inquiry remove, but this is still in process.
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| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I applied for a loan got a call from a XXXX XXXX said he was a lender for onemain financial said I was approved for a loan amount of {$5000.00}. Gave me interest rate loan payment amount. He then said he needed to verify my cellphone number and began to text me he asked to verify checking account number and routing number to him asked if I had a savings account then asked for the last 4 of social security. I have all text messages from onemain financial. He told me he was going to deposit {$830.00} to have my bank verifies account. He calls me back and said funds are in savings account I asked why in there it was to secure money and for me to withdraw it and {$250.00} will be put into my checking account and to send back to onemain financial so they can deposit {$5000.00} minus the {$830.00} I got notification that I was overdrawn my money from checking and savings account. He went in changed my online username and password. I called onemain financial local branch XXXX XXXX XXXX XXXX to ask why funds was taken she asked for my loan number which I never got then asked for my ss # she started laughing and said well your a victim of onemain financial fraud and said you are not the only one. This has destroyed my life my bank has froze my accounts will not release my social security income I'm XXXX that's my only income it's going on 3 weeks with no answers from anyone. This person has hacked into my XXXX XXXX XXXXXXXX and XXXX along with my cellphone provider. I can not pay anything until my bank furthers the investigation.
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| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX XXXX XXXXXX/XX/XXXX XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX To Whom it may concern, While looking at my credit reports I have noticed inconsistencies with the information on all three credit bureaus. As you know, this is not allowed. I have disputed this account several times.
Why does XX/XX/XXXX have this account showing I am still making payments? This was paid off in XXXX.
XX/XX/XXXX.
XX/XX/XXXX Shows that I have one late payment XX/XX/XXXX, XX/XX/XXXX reporting 31 late payments.
XX/XX/XXXX showing excellent payment history no late payments I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am getting an auto response that it will remain on my XX/XX/XXXX reported unchanged. How when nothing was validated?
XXXX XXXX XXXXXX/XX/XXXX on XXXX removed all payment history from both reports. Right before I received and update from my dispute with XX/XX/XXXX. That this will remain unchanged. I never reported this account with XX/XX/XXXX or XX/XX/XXXX. Why would the creditor remove the payment history?
I recently received an automated response from your e-Oscar verification which is not acceptable. No one physical contacted the Creditor asking for verification. I have attached my response I received from Creditor. If I asked XX/XX/XXXX to help me verify this debt. How could XX/XX/XXXX allow the Creditor to submit what I received as proof?
Why is Creditor unclear on my request which XX/XX/XXXX contacted for proof. I am requesting for a deletion of this account from all three Credit Agencies.
|
| 12/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I was contacted 4 times on XX/XX/XXXX by different members of One Main Financial Services regarding my Secured Vehicle Loan. I spoke with the first 3 members and tried to work out a payment schedule where all 3 of them told me they were " Unable '' to make promise to pay my full balance on XX/XX/XXXX. They continuously badgered me to make at least a small payment towards the loan and I informed them I was unable too due to just getting over the XXXX and was out of work this month. On the XXXX call I received from XXXXXXXX XXXX, he again, continuously badgered me to make a payment before the end of XXXX because they were unable to schedule a payment in XXXX for the Full amount that would be due. After getting of the phone with XXXX, I logged into my account online through the One Main Website and scheduled the payment there. I feel they are harassing me as I tried to work with them to set up a payment and they denied my efforts. But yet, I was able to perform the scheduling online through my account. I am literally 1 payment behind. My " Current '' payment is not even due till XX/XX/2023, which counts as 2 payments. On the XXXX, ( Which it has not hit ) I will have 3 payments due, but that payment will not be due technically until XX/XX/XXXX. So, with only being technically 2 payments behind, I feel they are harassing me by having 4 different people calling me trying to get any sort of money out of me even after being told EVERY time that have absolutely no money to spend until I get paid on the XXXX of XX/XX/2023.
|
| 09/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
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In 2021 my vehicle which was older, stopped working, unable to fix it. I received loan and title for vehicle was collateral.
One Main first told me I had to get a type of insurance added to loan to receive it. I was approved for loan of XXXX. After this insurance was added it went up to a {$10000.00} amt. I paid my payments each month until my vehicle messed up. My parents gave me their old vehicle so I went in to office to switch the title to still complete loan. They would not change vehicles on loan and would not give me my title back to original vehicle. They stated because it had someone else on title along with myself that they couldn't. I even had the 2nd person on title sign statement stating he authorized the car title to be added to.loan to continue with loan. OneMain would NOT let it happen and therefore, I'm now stuck with broken vehicle with no title and unable to sell it for parts or anything else. I have witnesses who can vouch for vehicle current state. Covid hit and I became unemployed and wasn't able to make payments for a loan which vehicle that was inoperable. One main would not help me, work with me on payment assistance, nothing. They sent my loan to collections for nonpayment now and continue to avoid helping me or taking my calls. I'm stuck with a debt t hat I tried to resolve and get help with. I even tried asking to gave them take this insurance of some sort off to lower amount while I was struggling to make ends meet. I am a divorced single parent now of XXXX and I'm drowning.
|
| 06/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
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My wife XXXX and I took out a personal loan last XXXX with One Main Financial and decided to take out the insurance for unexpected loss of our job. This XXXX I lost my job and put a claim on my insurance. The insurance stated that I need to get a written statement from my employer and the state unemployment office in order to use the insurance. When I explained that I am not able to get either my old employer or the unemployment office to fill out any paperwork they then told me that I needed to send them my financial determination to them from the unemployment office. I sent them the financial determination letter and the claim worksheet process that I received from the state of New Jersey. They sent a letter back and stated that this does not qualify for unemployment and that they wanted to see either my bank account statement showing deposits being made or a print out from the state showing that i am getting unemployment. Since we are in a pandemic and unemployment is so backed up, I am not receiving any unemployment money at this time. If i was receiving unemployment I would not be using the claim because i can the payment. After this I canceled the claim from One Main and told them that I would like a refund of the unused insurance. They proceeded to tell me that when I cancel the insurance, that the money would go directly to paying the loan. My loan is not late nor is it default and when i talked to the One Main office branch in XXXX PA I was told that the insurance money would be refunded to me.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I have spoken with Branch XXXX XXXX XXXX of ONEMAIN FINANCIAL on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL. -ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud.
15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX Beneficiary
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
One main is incorrectly reporting my payment history on all 3 credit bureaus for the month of XXXX XXXX
One main reported my account as paid as agreed on all 3 credit bureaus until XXXX XXXX XXXX
On XXXX XXXX XXXX, One Main updated my payment history with all 3 credit bureaus as late for XXXX XXXX
My XXXX XXXX payment was due on XXXX XXXX and payment was made on XXXX XXXX XXXX XXXXhich was late but not 30 days late as reported on my credit report.
I also was approved for a deferred payment for XXXX and XXXX of XXXX and was told by the local agent that approved the deferred payments that I would not be reported late on credit reports.
Only XX/XX/XXXX, I disputed a previous late payment from XX/XX/XXXX with the credit bureaus and one main via written notice asking for a goodwill forgiveness for the late payment from XXXX.
I believe One Main is retaliating against me for challenging /requesting a goodwill forgiveness for the XXXX XXXX late payment and updated my credit report as late.
Please assist with getting One Main to report my payment history accurately for XXXX XXXX or delete this inaccurate reporting account from my credit report.
I have tried on multiple occasions to get One Main to help with this issue and even spoke with the executive office to assist with no resolution provided as of today.
I also have copies of my XXXX, XXXX and XX/XX/XXXX credit reports which can corroborate my informational s show that One Main reported my account as paid as agreed until XXXX XXXX XXXX
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by ONEMAIN FINANCIAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
|
| 11/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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|
On XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX pulled my credit for no reason, and I've never contacted, nor ever conducted business with this company and never authorized them to pull my credit.
On XX/XX/2021 two other companies ( 2 ) OneMain Financial and ( 3 ) XXXX XXXX also pulled hard inquires. I never provided any of these three companies permission to pull my credit.
After noticing these unauthorized credit pulls, I immediately locked my credit report with XXXX XXXX and XXXX. I also contacted XXXX XXXX and OneMain Financial both stated that I would need to contact the credit bureaus and dispute it with them. There was no phone number or contact information on my credit report for XXXX XXXX.
When I called XXXX XXXX to dispute these inquiry 's they said to ( a ) obtain a copy of my Federal Trade Commission Report ( which directed me to this website for CFPB, ( b ) and mail them a letter stating what happened.
Please contact these companies and realize I never spoke to them directly, nor online, nor provided my info, nor gave permission to pull my credit for any reason, and please REMOVE those 3 unauthorized hard credit inquiries from my credit report.
I understand some companies may use other names of companies when seeking financing, but I don't need more credit at this time and the last time I authorized my credit was to purchase a house a few months ago and then was going to finance a bed that I just paid cash for. Those last three credit pulls were not authorized by me.
Thank you.
|
| 05/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
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On XX/XX/2022 One Main Financial approved a personal loan for {$3000.00}.
They asked me to furnish my new lease and they could release the funds ( XXXX XXXX ).
My landlord furnished the rental agreement than became mad at me and called and discussed my finances with One Main Financial in the XXXX XXXX without my authorization.
I wrote XXXX an email telling him he was not supposed to discuss my finances or account with XXXX XXXX or her property management company.
Shortly after XXXX XXXX phoned And solicited illegal information my loan which had been approved XX/XX/2022 was suspiciously denied XX/XX/2022.
XXXX XXXX and One Main Financial were not authorized to speak to XXXX XXXX or any third party about my personal information and loan and they in fact disclosed personal information Cavour me to a woman with a criminal past and who was in jail and a suspected XXXX.
XXXX XXXX and the property owner XXXX XXXX tried to extort money from me and when I thwarted their efforts called One Main Financial illegally and had my loan cancelled.
What troubles me is the lack of identity protection and wanton disclosure of my financial affairs with a known criminals and felons.
One Main Financial should be closed as an institution to protect me and the unsuspecting general public.
Never in a million years did I think a private party ( ies ) could get angry with me call my loan originator and have my loan cancelled for a personal matter/dispute.
Please penalize One Main Financial.
Thank you!
|
| 06/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have a loan with One Main financial in XXXX, Maryland. have had this loan for over 5 years. For what ever reason I can not use a check. I always pay with a debit card. When I tried to pay my bill in XXXX by logging into my account on XXXX XXXX it would not take. Then on XXXX XXXX I tried to log into my account and pay my bill. Once again it would not take. I called the XXXX XXXX number and the customer service representative tried to put it through. He stated it was something wrong with the system and he tried to put it through several times using my debit information. I told him I would call back. Then he advised he was going to try it using my checking account I had on file. I explained to him my checking account did not work with their company. He stated he was going to try. He then advised the system took the checking account information and he gave me a reference number. On XXXX XXXX I received an email stating my check was returned and I needed to pay my bill. I went on line on XXXX XXXX and paid the monthly amount I owed. Later that day I received a call from the One main branch in XXXX, Maryland advising I needed to pay the late fee. I tried to explain and the young lady from One Main Financial was not having my explanation. I ended the call telling her to have a nice day. I just received another texted XXXX XXXX stating my monthly bill is due. I went on line and my balance is still the same and it says I owe a late fee {$26.00} I feel like Im being harassed into paying a late fee.
|
| 04/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
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My name is XXXX XXXX. On XX/XX/XXXX, my husband, XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. We were given the value of {$10000.00} for the auto. We requested financing for the auto and based on my credit score, we were accepted for financing by Onemain Financial Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IN XXXX. The annual percentage rate that we were given was 18.17 % making the finance charge {$5500.00}. Unfortunately, we feel that in a way we are being taken advantage of by Onemain. The rate is too high, especially at a time in which we are in a pandemic. My husband and I have been going through financial hardship due to the COVID 19 pandemic and the added expenses that we have incurred due to this international health crisis. We know that the government has established laws for these finance companies not to gauge their rates and Onemain has definitely done this. How is it possible that we have to pay almost 60 % over the price of the automobile in interest rates. Our finance contract with Onemain started on XX/XX/XXXX. Our first payment was {$330.00} and the monthly payments since then have been {$260.00} per month, which {$130.00} of this is in interest only. We need for you to look into this and see if the finance rate can be lowered and regulated, especially as the car that we are paying was sold to us in a faulty state and it has been parked in the garage and we have not even been able to use it since it was purchased.
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| 06/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
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Web |
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I needed a small loan to keep my mortgage up to date as I was dangerously close to foreclosure, so I reached out to One Main Financial Group and got approved for a loan based on my income and assets at the time. The process was fine for a while until my XXXX Payments were discontinued and then my ex lost his job and stopped making payments of child support and alimony, that put me at quite a disadvantage financially ( - {$3000.00} ) as now I was still behind in other payments as well as the loan making less than half of what I was making before. At first I communicated my issues and tried to make up the difference but I just couldn't afford it. I was barely putting food on the table. Eventually I was served a Summons to appear in court, I attempted to file an Answer several times with the state of Illinois but they kept sending the paperwork back with no instruction of how to do it properly, I even called the Circuit Clerk and she said the E-filing system was just a tool that they offered and how to navigate it was a mystery to them. I filed at least 7 times and was rejected every time ie : one such rejection was because the file was uploaded upside down. I spent alot of money and time trying to Answer the Summons but to no avail. I mistakenly assumed that my attempts would at least be noted but in dealing with that I missed the court date and of course now in default. Now One Main is threatening to garnish my checks for an astronomical amount that exceeds the original loan. What can I do?
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| 07/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I had a car financed with XXXX XXXX XXXX with my mother being a co-signer, eventually I refinanced through OneMain Financial which was on XX/XX/2019. They proceeded to have my mom go to their store and sign papers to get her off the title, so the loan could be in my name only. My mother came off the title and everything looked good, I had a new loan and was required to get GAP insurance by OneMain. In XXXX, the car was totaled due to a hit and run while the vehicle was parked on the street, at this time my mom had moved out of the country and no longer resides in the United States. I contacted XXXX and they said they were going to fix the vehicle, but after a lengthy time at the body shop the body shop claimed it as a total, but XXXX proceeded to try to get it fixed. Eventually XXXX considered it a total loss. I told OneMain about the accident as well and confirmed I had Gap Insurance. XXXX requested my mom to sign off on the odometer statement, which shouldn't have been in the process, because she was supposed to be taken out off the title by OneMain. My mother what out of country and hard to reach, so this process took around 2 months to get her the papers and for her to send them back. XXXX proceeded to contact OneMain and collaborate with them, but there was a mishap with OneMain where they moved offices, therefore the check that was issued was not received by OneMain. Now I have poor credit, job loss due to COVID and was recently turned down for a new vehicle due to OneMain financial.
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| 08/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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REF XXXX XXXXXXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account. This debt is not mine. I have enclosed a copy of my FTC Identity Theft Report and Police Report.
I have attached a copy of a Warrant in Debt from XXXX XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX case XXXX XXXX, that shows XXXX XXXX XXXX XXXX XXXX who you sold this account to ) & OneMain Financial XXXX LLC suing XXXX XXXX for a debt not mine.
This information is located onlineXXXX XXXX XXXXXXXX Take Note : This case was dismissed with prejudice, attesting this debt is not mine ; therefore, I am not legally responsible for this debt.
Your company has 10 days from receipt of this notice to remove this tradeline from all credit bureau reporting agencies. Failure to do so, reaffirms your failure to follow the court order and FCRA, FDCP, and UDAPP regulations.
I will be seeking legal alternatives if this tradeline is not removed by XX/XX/2023 from all credit reporting bureaus.
In accordance with the Fair Debt Collection Practices Act, you must remove this tradeline from all reporting agencies.
I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ).
Please send me a letter explaining what you have done to : Stop reporting information about the debt to all credit reporting companies Provide me with the records I request
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : One Main Financial at XXXX XXXX XXXX XXXX, XXXX XXXX.
Date of Inquiry : XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receint of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX
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| 03/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against One Main Financial regarding an error on my account. My name is XXXX XXXX XXXX, and my One Main Financial account number is XXXX. Despite my multiple requests to satisfy my account as paid and closed, my account still shows a balance owed.
On XX/XX/XXXX, I requested a payoff amount, and I received an email copy of the payoff amount, which totaled {$8500.00}. I made two regular payments of {$440.00} in XX/XX/XXXX and {$350.00} in XX/XX/XXXX. Since XX/XX/XXXX, I have made several principal payments totaling {$11000.00}, and a final payment of {$240.00} on XX/XX/XXXX, which was supposed to satisfy my loan according to the representative.
Despite these payments, I have received an email stating my statement is available, and my mobile app still shows an outstanding balance. I have attached my final payoff document and a screenshot of my payment history for your reference.
I have contacted One Main Financial multiple times and was told that my account would be closed after a payment was made, once on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I made an additional payment of {$310.00}. However, my account remains open, and I feel scammed and frustrated.
I am questioning One Main Financial 's accounting practices and would appreciate it if you could investigate this matter and reach back out to me with a resolution.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 06/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
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Re : One Main Financial Group abusing personal information, business license One Main Financial has been sending me aggressive high interest personal product information via post for last 5 months despite that I have requested 5 times via phone call and 2 times via email, to stop sending me any marketing or their product and service related materials for last 4 month.
I do not know how they got my personal information. I would like to investigate their obnoxious business practice and abuse of personal privacy and personal information, ASAP.
I have requested to stop sending me all aggressive high interest loan marketing and all other marketing materials to its staffs at XXXX XXXX and the XXXX Regional Manager.
Then, they explained to me that they do not know how to help me opt-out of their mailing list. They only told me that they will try to see what they can do. Speechless ... ..
Also, I can not verify if they are appropriately lincnesed for their business practice in Hawaii. From their website I can only see the following information : CA : OneMain Financial Group, LLC - Loans made or arranged pursuant to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX. CT : OneMain Consumer Loan , Inc. - NMLS # XXXX. NH : OneMain Financial Group, LLC XXXX # XXXX. PA : OneMain Financial Group, LLC Licensed by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
For residents of the State of Washington only : OneMain Financial Group, LLC Consumer Loan Company License NMLS # XXXX
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| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN POSTED ON XX/XX/XXXX, XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
3 years ago I went to One Main Financial to get a loan. I was approved and my loan totaled {$8000.00} plus the interest and taxes it was explained to me that I would be paying back {$13000.00}. Well, that wasn't the truth unknown to me.
After 3 years of paying on this loan I thought I was done paying on it. I got my bill for the month and it continued to show that I still owed the full {$13000.00} which made no since to me. I contacted One Main and asked them why I still owed so much. I was not given a straight forward answer at all. I was told that my interest accrued daily for 30 days because I only paid my loan once a month. At this point I had already paid over {$17000.00} on this loan.
In XXXX I informed One Main I could no longer afford the loan payments because I am on a fixed income and {$480.00} a month was too much. I also informed them that at their earliest convenience they could come pick up the car listed on the loan. The car is still at my home.
On XX/XX/2023 a police office showed up at my home and I was served papers. I had been notified I was being sued by One Main for a total of {$19000.00}. This total is the loan balance plus court fees.
What I did not know is that at the time of signing for my loan the interest rate was 35.74 % the finance charges were {$15000.00} leaving us me owing them {$29000.00} that is a difference of {$21000.00} dollars. If I had known this was what I was being charged I never would have signed for the loan.
|
| 08/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
on XX/XX/2021, I applied for a 48-month loan for {$2000.00} and an estimated monthly payment of {$73.00} as advertised on XXXX. Additionally, I uploaded the required documentation ( copy of my earnings statement, social security benefit verification ) as proof of income. I received an email congratulating me on the approval of the loan and confirming receipt of the requested documentation. On XX/XX/2021 at XXXX XXXX XXXX ( Onemain Financial ) called to review my loan application to finalize the loan request. Our call was lost. I called back and another agent answered and stated he was attending another customer and that he would give XXXX the message to call me. I did not receive a call so I called at XXXXXXXX XXXX. to speak to XXXX. He answered and said he would call me back in 10 or 15 minutes because he was helping a customer. XXXX called me back at XXXXXXXX XXXX he began reviewing my application with me and indicated that I was approved for {$9200.00} unsecured and {$13000.00} secured. I told him I wish to stick with the {$2000.00} loan request. At that point, his conversation changed with me. He showed a lack of wanting to continue working with me because I did not want the additional money. He was curt and unprofessional, so I withdrew my application, and he could not be happier with my decision. These are not ethical and good lending practices. My loan request was turned down because I did not want the additional money at their high-interest rate.
|
| 04/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I had a loan through One Main Financial that I paid off in full approximately 3 years ago. That One Main account was closed and was no longer appearing on my credit report. It showed up on my credit report about 8 months ago as being paid off but had a {$1.00} balance.
As of XX/XX/XXXX, One Main started calling me repeatedly which I assumed were sales calls. They did not leave any messages. In XXXX of XXXX, they turned me into the credit bureau as being 30 days late on a loan that has been paid off with no attempts to reach out to me for years.
I have disputed each month since XX/XX/XXXX through the credit bureaus and they all are removed, but One Main keeps resubmitting me as late 60 days or 90 days late which is ruining my excellent credit score.
They are fraudulently reporting me as owing debt that I do NOT owe. I paid the loan off in good faith when it fell behind 5 months ( due to the loss of my job ), so we worked to come up with a payment I could afford while I was XXXX, then I paid it off within a year. They closed the account, it was removed entirely from my credit report, and then they reopened it without my knowledge and are reporting that I owe a dollar. Not to mention, they repeatedly call my cell phone 4 times a day, on weekends, and use a variety of different numbers.
I feel like I'm dealing with thugs who are harassing, manipulative, and use Unfair Credit Reporting tactics to get me to contact them and pay money I do not owe.
|
| 12/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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I was behind on a few payments at one main financial in XXXX Washington. After receiving my stimulus second paycheck I immediately paid my past due palance. I called an agent to help me with my next payment for XXXX XXXX.After she looked into my account after 5 minutes I was a declined. When I called I have paid my full balance to be in good standing. I have tried other several companies All of them have either fur load my payment or extended it to help me during the pandemic issue of XX/XX/XXXX. One main financial also kept harassing me about three times a day looking for a payment when I did not have any money because of covid-19 financial issues. I hope for some leniency after my account was brought up to good standing yet I was still declined. OneMain financial did not give me any further options They did not help me at all and they were very unprofessional. The last words that one main financial agent told me was next time in the future call ahead of time if I need help with my future payment. That is exactly what I was calling about I believe the fee is anywhere between {$25.00} to {$50.00} and I was behind two payments if my fees would have been waived I would have a smaller amount owed in XXXX which would have helped me they're in the covid-19 pandemic crisis. Even one waved fee would have been great help during this disaster. I feel taken advantage of during this crisis and that is why I came to this website to file a company. thank you.
|
| 04/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
I exercised my right of rescission as a result of XX/XX/2022 due to failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 2. the notice must disclose the requisite information clearly and conspicuously 3. The consumer 's right to rescind the transaction 4. Information on how to exercise the right to rescind 5. the effects of rescission 6 the expiration date of rescission ( 3 days-3 years ) 7 to satisfy the notice requirement, the creditor is required to use model form in Appendix G form or the one substantially similar. none of the above did I receive from Onemain violating 12. C.F.R. section 226.23 ( b ) ( 2 ). Onemain is ignoring and refusing to execute my rescission rights thereby, being non-compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). It appears Onemain and its officers are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on JESINOSKI v. COUNTRYWIDE HOME LOANS, INC.
729 F. 3d 1092 whereby borrower need only provide written notice to a lender in order to exercise right of rescind.
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I contacted One Main Financial in XX/XX/2022 to inform them that a statement they have on my credit report is causing me to be denied credit. They have the following comment on my credit report " Loan modified but not under a federal government plan ''. I called on two different occasions in an attempt to get them to either remove the comment or add dates to the comment so that it is clear that the loan is not currently being modified.
This statement on my credit report is vague and misleading. One Main Financial has a duty to report factual information. The statement is misleading because it is causing other 'lenders to believe I am currently under a loan modification when I'm not. I requested that the supervisor contact me and no one ever did. I also requested that they send another copy of a letter that they sent saying the modification ended. They said that they would email it and never did.
I spoke with their customer service department and their credit department. Everyone I spoke with kept referring me back to customer service. The customer service agent understood the issue I was having and the credit department refused to work with her to correct the issue. The credit department at One Main is the only one that is allowed to make changes. My loan was never modified. I only had a payment deferred. There were no changes made to my payment amount or to my interest rate. The statement on the account is misleading and inaccurate.
|
| 11/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
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I applied for a personal loan of XXXX through a third party website on XX/XX/2022. I was notified I had been pre approved by One Main Financial. When submitting my application from One Main Financial I was notified it would be a hard inquiry on my credit report. I submitted the application and then was told I had been approved. The website now said I need to verify my income and upload other documents to continue. The documents needed to continue said : proof of auto insurance, pay stub, photo ID front, photo ID back, and vehicle registration. The application up to this point had never mentioned a vehicle was necessary for the application of the loan. I called One Main Financial to get clarity of why vehicle documentation was necessary to receive the loan I was approved for. The agent stated I applied for a collateral loan. I let the agent know I applied for a personal loan not a collateral loan. I was told the application was for an unsecured or secured loan. But I would not be able to pick which loan I wanted to apply for. This company falsely advertised the original loan I applied for which was a personal loan. The information the agent told me was not clearly stated on the application I was submitting. My credit report was pulled without my authorization. I wouldnt have applied for this loan if it had been clearly stated that applying for this loan would require collateral even after being approved, based off my credit score.
|
| 01/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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i started having problems after I bought a car at XXXX in XXXX XXXX XXXX, La. they took my deposit on my vehicle out 2-3 times ( i will know for sure when i get chase to show me my account ) they would do a REVERSAL on the deposit and other bills. I didnt catch on to the other bills until i got a letter saying my insurance had lapsed. I looked at my account and they were reversing bills repeatedly, XXXX would not do anything. I have had 3 personal loans taken out in my name, my credit cards ran up and my credit score dropped from a XXXX a XXXX. I was building a house and i lost it right before closing bc of my credit score. It was XXXX time. My kids were devastated and I feel like a failed mother and I dont know how to make him/her stop. Ive changed cards, banks, phones, and phone numbers A loan made with One main Financial for 8000, a loan for XXXXXXXX XXXX ( Ive never heard of them and dont know the amount.
XXXX didnt help me when I asked them to put a freeze on account costing me approx 2500 and causing my insurance to lapse and go up 300a month.
I have a XXXX XXXX card where at least 1,000 isnt mine, XXXX about 500, XXXX most of it and i cant get in the account t to make payments to stop the fees. My XXXX card Im unsure of because I cant get into it.
Whomever this has a pic of me holding my license and ALL OF MY INFORMATION.
PLEASE GIVE ME MY LIFE BACK I also just saw i have a ridiculous Amount of inquiries
|
| 05/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
OneMain Financial is showing that I have three accounts as being " Current, Paid or Paying as Agreed '' when those three are in fact closed accounts. The accounts are as follows : Account 1 of 3 - no balance listed ; Account 2 of 3 - balance of {$10000.00} ; and Account 3 of 3 with a balance of {$8900.00}. I have only one account still open that they are not reporting and it has a remaining balance of approximately {$6900.00} and it is current, and in fact, I'm paid in advance on the account. By their showing those closed accounts as still being current it makes my debt ratio go sky high and I am being turned down by other creditors that I would like to do business with. It makes them think I have outstanding debt to OneMain Financial of {$19000.00}. I've called several times and sent hard copy letters to OneMain twice ( 1st letter sent on XX/XX/XXXX and 2nd letter sent on XX/XX/XXXX ) yet they continue to show the same information under the three major credit reporting bureaus ( i.e., XXXX XXXX and XXXX ). After I threatened to sue them in small claims court, they finally sent a reply letter on XX/XX/XXXX, saying the way they are reporting my accounts is correct. How can it be correct when those 3 accounts are no longer open, and the one that is open does not show up on my credit bureau reports? I really need your help because this is also costing me to be charged higher rates by my utility and insurance companies.
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
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On XX/XX/XXXX, I made a payment of {$1800.00} against a balance of ~ {$1900.00} on my One Main Financial XXXX card with a credit limit of {$2000.00}. As of Thursday, XXXX XXXX, my available credit was only {$15.00}. Clearly this was a mistake, right? I had not only paid my bill early, I had nearly paid it in full. I called One Main Financial hoping to quickly resolve the matter, but ended up talking first to XXXX, then XXXX. I hung up before I got transferred to XXXX. Not a one of the stooges could explain why my credit line wouldn't be released until XX/XX/XXXX. Why? THEY HAD MY MONEY!!! WHERE IS MY CREDIT??? I depend on my card to buy groceries and food for my family. I had a transaction DECLINED ( very embarrassing ) because even after paying my bill early and nearly in full, One Main Financial decided it would be more fun to hold onto my money for a week so I couldn't take care of my kids. They way it works is, you pay your bill, you have access to your credit! What is with this rinky-dink operation? I have never experienced a more customer-unfriendly, useless " customer service '' department. They need to change their policy so that when you pay your bill, you have access to your card! And I would very much like an apology for the embarrassment I suffered with a declined transaction even though I had PAID MY BILL. If I knew then what I know now, I would never have gotten involved with this sham of a " bank. ''
|
| 02/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This complaint is about OneMain Financial ( OMF ) for a presumed violation of the Fair Debt Collection Practices Act ( FDCPA ). There are XXXX stretches of time where they contacted me more than XXXX times in XXXX days since XX/XX/XXXX. They call me at my cell phone number from their office telephone number. I do make payments to them late but always have and always will catch up.
While OMF is a financial services company and the original company with whom I owe this debt, the emails they send me and their own website clearly state, " This is an attempt to collect a debt and any information obtained will be used for that purpose, '' hence I identify them as debt XXXX in this scenario.
The dates and times of the calls are XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in 7 days. This presumed violation also occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on, XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX days. Additionally, this presumed violation occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX days.
|
| 05/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
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I have recently faced the unfortunate situation of losing my job, which has caused financial strain and difficulty in meeting my bill payments. During this time, I encountered an advertisement from OneMain Financial offering a short-term loan. Without thoroughly reading the fine print, I proceeded to obtain the loan. However, I soon found myself falling behind on payments and struggling to afford both the loan and the company 's charges.
To my dismay, OneMain Financial offered me another loan with a slightly higher amount to assist in paying off the initial loan. However, this came with additional fees and an increased interest rate. As a result, I am now burdened with the obligation of paying {$230.00}, and failure to do so would lead to my account being sent to collections.
In my attempts to find a solution, I reached out to the company to negotiate a smaller payment. They agreed to accept {$110.00} on XXXX occasions, but after that, they expressed their inability to assist further. Compounding the issue, each day I am unable to pay the full amount, the interest continues to accrue, similar to a car loan.
Had I been aware of these unfavorable terms, I would have never taken out the loan. It is clear to me that OneMain Financial has put me in a difficult situation without showing any concern for my well-being. I am in desperate need of assistance. Any help you can provide would be greatly appreciated.
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| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had 2 accounts with one main financial. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XX/XX/2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX XXXXWhich was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down XXXX points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..
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| 01/23/2021 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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My son has a loan with ONE MAIN FINANCIAL LLC, I believe that he has problems with payment or so, I do not know specific information, but here 's the complaint : Beginning of the first days of XX/XX/2021, myself, my wife, my mother, my step-father, my brother, my sister, and my brother in law started to receive several calls from the debt collector from the ONE MAIN FINANCIAL, when called they identify as XXXX XXXX a courier company looking for my son to give him very important documentation. In most of the calls, when we answer, we let them know that we will take the information supplied from them and try to transfer it to my son. They again call us and again some of us let them know to want they stop to call us, but they let us know they will remain to call us up to my son pay the money owed to them. Today XX/XX/2021, I received a call from MR. XXXX XXXX from the same company XXXX XXXX, when I asked him not to call me again, he just stated that I have no teaching my son to be responsible, that if I did not do that they will do, and again reaffirm to me that they will continue calling every one of us and they will stop when my son pay the money. I feel my family is being threatened.
Finally, when I ask my son about this, he told me they had filed a lawsuit in court and that he is working on it, I ask then to stop calling me and my family, reserving our right to take legal actions if they do not stop.
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| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I called One Main Financial and asked for amount needed to pay off the loan which I owed them. An amount was provided for which I agreed to pay them off. One main Financial requested that I bring a certified check in order to pay off the balance. I complied and in my view, all went well. Thereafter, I noticed that my credit score dropped by over XXXX points instead of rising. On verification, I was made XXXX understand that One Main Financial reported to the credit bureaus that I had settled the debt for less than full amount. One Main Financial explained that there were accrued interest which was deferred in the past and needed to be paid. Long story short, I explained to them that there was a communication problem, and as such, my request was either not well understood or I did not understand their explanations So I wish to pay them all their money because I need to clear my record in order to apply for financing for an industrial project. I had paid off the amount asked of me, and the {$900.00} remaining was not an issue. I want to pay it off as well so my record could be clean.
One Main Financial has refused to do anything to correct this. I need them to collect their money and report it to the credit bureaus as paid in full - being what I was assking from the beginning.
Please, step in to assist me to correct this. I have the funds to pay their money in order to free me proceed me with my life.
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| 09/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American, Servicemember |
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The company that I acquired my loan with is : One Main Financial out of XXXX XXXX Pennsylvania out of XXXX XXXX Pennsylvania, in XXXX of, XXXX. The loan was to pay off credit cards. The loan amount was for, {$1500.00}. I have paid on this XXXX XXXX dollar loan for over a year at XXXX dollars a month. I have not been late or missed a payment once. I know that there is going to be accrued interest, but I have paid over {$800.00} dollars and the principal amount has not gone down XXXX XXXX but has gone up. I have paid over half of the loan off with no change in the principal amount. I do believe, One Main Financial has committed fraud, extortion and illegally manipulated my account to lace their pockets. I'm asking CFPB to investigate One Main Financial for fraud and extortion. In XXXX, the housing bubble bursted because of greedy financial companies, betting on an unstable housing boom. Well, the housing industry collapsed and all XXXXXXXX XXXX XXXX XXXX, President Obama signed off on the CFPB for people like myself to be protected from thieves like : One Main Financial. There is no rhyme or reason for me to have paid off over three fourths of the loan and the principal only went up. Please investigate this company for fraud and extortion. What's more, I bought their maintenance package, turned in several claims ; only to be denied legitimate claims. They're ruthless and someone needs to go to jail.
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| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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Back in XXXX XXXX I went to One main financial for a small XXXXXXXX XXXX personal loan including interest fees. I had my XXXX cosign at the time of loan agreement, I was in returned required to give my vehicle title for lien. I was mislead by one main financial by advertising me to pay off my full loan amount with in the first year and get my full interest back as a refund and my title returned. I paid my loan off in 9 months. I paid over the phone and asked question about when I would get my title back and the refund. She stated that they would both be mailed to me. I never received anything promised. When contacting them again I was told I had to pay to have my title replaced due to them saying it must of been lost in the mail. It is now XX/XX/XXXX with never seeing my interest refund or my title. I ended up having to get a new vehicle financed in XXXX. I unfortunately had a difficult time doing so cause of not having my title. I was required to pay an extended fee to have a replacement title made for me to trade in my vehicle. I didn't know who I could report this to but I'm just trying to get justice for myself and see the money I was promised reimbursed to me.. if there's anything you can do to help please do.. this had impacts on my personal finances, transportation priorities, and even impacted my credit score I was promised would of raised from paying extra and in full early. Thank you..
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| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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During this pandemic i am having problems just like all Americans and main financial rep at the branch told me that i would not report negative During this pandemic ... i am having problems just like all Americans and main financial rep told me that everyone is having problems and that main financial is not reporting negative on the credit report ... i said over and over are you sure, because i will borrow the money so i would not have a negative impact on my credit, she stated over and over we will not report you if you keep your arrangements. i made arrangements with the rep and gave her my new checking information and come to find out she was still using my old checking information ... i called the manager XXXX to fix her mistake, just like she tricked me and stated i would not be reported to the credit bureau. XXXX said i am so glad you called. we still have your old checking information and not the new checking info, i been with them for 2years and i have expressed my hardship over and over to them. This is not fair and right because all my other creditors are working with me and i am not understanding why main financial would put a mark on my credit knowing i have been in conversation with them every step of the way. I believe the rep told me that lie because she gets credit for making a payment arrangement with me and i hope she does not get credit for being very deceitful and dishonest.
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| 09/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Ive been dealing with the company to take the joint buyer of the loan so that we could purchase a home. I was told yes but to wait a few more weeks. Then I was told sorry we cant approve you anymore after 39 days the waited to tell me that now I cant take him off the loan when initially was a Yes..
Then I call to get a settlement so that I could try to pay it off, I was given excuses after excuses.. For two weeks I was told it was in process.. I FINALLY SPEAK TO THE DISTRIC MANAGER just told tell me she couldnt give me a settlement because I can afford my bills And Im not in a financial situation.. I explained the situation SHE CARED LESS.. basically told me to pay my bills so that I can get approval for the loan to take my husband off the loan.. I FELT DISCRIMINATED SHE WAS HATEFUL TO ME Ive had many loans with them and never felt mistreated like she did. I told her I will file a complaint she said TO DO SO she was going doing her job. She gave me {$100.00} off the loan.. wouldnt retroactive the pay off to the day I called to get my pay off or settlement that she refused to give me. Im very disappointed with this company and they had emotionally hurt me, they hurt our approval bc of their diligence on not telling us the truth since the beginning.
Something needs to get done ASAP!! I paid off my loan but I still think I need a reimbursement for all This hustle I went through emotionally.
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| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account Name : XXXX XXXX XXXX- Has Violated My Rights privacy and confidentiality under 15 U.S.C 1681 Account Date Opened XX/XX/XXXX Account # XXXX Amount owed as of XX/XX/XXXX {$3000.00} On Record Until - XX/XX/XXXX Status : Collection account Past Due As of XX/XX/XXXX Notes : Status : Shows Closed on XXXX XXXX XXXX but Open on XXXX & XXXX which should be closed as well.
Account Name : OneMain financial Hard Inquiry Date XX/XX/XXXX On Record until XX/XX/XXXX Status Never Resolved Notes ; I Call to have to inquiry removed and Company never filed the Hard inquiry Supression with all three Credit Bureaus to have this matter resolved never heard a response back after my dispute.
15 U.S.C 1681 section 602 A - States I have the right to privacy.
15 U.S.C 1681 section 604 A - Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information .Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 05/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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7 minutes agoNEW I had went and took a loan out with this branch for how ever much they were able to give me they did good of giving me the amount I needed without a doubt but subsequently they charged me a interest rate of like 13 or 14 which a honorable percentage rate is like 8. Do after that fact of going though this process I had put my car up for collateral, they took it upon themselves to take half of the loan an pay the car off when they could have just given me the money to pay the car off myself cause I was trying to get something else financed at the time. After the fact they kept claiming to send my bank a payoff check for the car I was already financing an kept claiming they sent it which they never did. I kept persisting and kept in contact with my bank personally to see when an if they'd received it and they never did. I waited for at least a few weeks thinking and giving ONE MAIN a chance Issue another check they claimed maybe had gotten lost in the mail or to do the right thing and they just keep telling me XXXX over the phone. I literally had to process a XXXX charge on my checking account to finalize the whole loan payment before they even sent a actual check out which was like a Couple of days later or I was gon na be two months behind on my car payment which in turn would get my car taken away from me so that ONE MAIN could turn around and have the car for themselves
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| 04/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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the onemainfinancial email me using this account : XXXX they say i was approve to loan. then I called the given number in the email, well they told that i need to pay somes fees by gift cards /prepaid cards. so i paid all the fees they say, it cost me so much money but nothing happens they keep promising that after i give this amount they will release the amount of money I'm loaning and it will be deposited on my account then later on I got suspicious because they asking me again to pay a fee again. i told them I can't afford anymore the fees I'm gon na cancel my loan application and i want to refund my money it cost me 5,000 this the total amount i paid in the fees and they even give me a unpaid check that cost me 1,946 that my bank returned me the deposit check. so I search the website of the onemain Financial then email in their official site then they email back to me that they don't use gmail.com and they don't request payment fees on a gift card/ prepaid card. so the scammers txt me if i don't give them the amount they asking so that I can't refund my money that's what they say, after that if i don't come up with the amount they asking they will call the legal team and they will go to my work place and humiliate me thats the message they text me and threatening me that they will sue me and go the court house. I didn't delete their messsage for proof and receipts and the email and
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| 02/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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On XX/XX/23, I mailed a request to OneMain requesting the required disclosures per to 15 USC 6802 that will give me the option to opt out from their company from sharing any of my nonpublic & private information to any non-affiliated 3rd parties and i ask for the instruction to how I can exercise this option. On XX/XX/23, I received an incomplete response to my request. They indicated that i can not exercise my right to what they can share or that i can not limit what they can share. And that's not what 15 USC 6802 states.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure Option.
As of 15 USC 6802 3 things was supposed to be provided to me by OneMain BUT neither has happen.
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XXXX XXXX XXXX Account # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by One Main Financial This creditor has re-aged an account on my credit report, which is a violation of the FCRA XXXX This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off.
Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's XXXX XXXX and can lead to higher interest rates or even denial of credit.
I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my XXXX XXXX be reversed.
Thank you for your time and attention to this matter.
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| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Impacted by the XXXX XXXX. Please have OneMain Financial remove late payments from 3 credit bureaus ( My credit report. I have explained to OneMain from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before XXXX XXXX. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what OneMain has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that OneMain was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY ONE MAIN FIN. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX XXXX! The least OneMain can do is remove these late payments off my credit report.
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| 08/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I made a payment of {$5400.00} on XX/XX/XXXX. On XX/XX/XXXX, an automatic payment for {$120.00} paid the remainder of the balance. OneMain claims the payment of {$5400.00} was returned by my bank, XXXX. The payment was not returned and it was debited from my account. I provided OneMain with my XXXX bank statement showing the payment was not returned. My online account with OneMain does not show this payment was returned in the payment history. I have made several requests to OneMain to provide documentation to support their claim. They have not provided documentation. I have only received a letter from OneMain declaring they confirmed the payment was returned after completing a thorough review. In the same letter, OneMaine stated the payments totaling {$13000.00}. {$5200.00} toward interest and {$8600.00} toward principal. The original loan amount is {$8200.00} which means, per OneMain, I have paid back the principal balance. This issue is still unresolved Additionally, the statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX indicate there is Monthly Obligatory Amount Due as {$0.00} with a Past Due Amount of {$5300.00}. OneMain claims when the system the payment was made, it satisfied the monthly payments to XX/XX/XXXX but when the payment returned and the system reapplied the balance it will not undo the payments. This process is harmful to customers because it is deceptive.
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Main financial has reported a charge off to consumer reporting agencies which is illegal because a charge off is considered cancelled debt and cancelled debt to the IRS is income. Income can not be reported on my consumer reports. Also I never have them written permission to furnish anything on my consumer report which invades my privacy. Other companies seeing this can damage my reputation and can cause emotional and other types of damages which is defamation. Not only is main financial reporting something they arent suppose to they are committing tax fraud as well. In the finance charge it states if I default then they will get paid in insurance money. Putting the account as a charge off is stating I defaulted in the money which means they got paid there insurance money and they also received a tax write off as well. They dont want to send me a 1099c so I can report this income to the irs . So I will be making a compliant also to the irs which will make them send me the 1099C that they have to send me. 15USC 1681 - explains how anything furnished on my report must be because I did a written authorization for it to be reported in my report. I never authorized this to be furnished in my report. As far as I seen this has been furnished to XXXX, XXXX, XXXX XXXX XXXX I am still waiting on the order of other consumer reporting agencies to see if the charge off is reported there.
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| 09/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I am a current customer of One Main and I was seeking to get another personal loan that pays off my current and the remainder will come to me. I know for 100 % One Main allows over the phone close even for people that DO NOT have a active account with them. I was REFUSED this option. NOTHING changed since I received my first loan ( address, employer, bank account ). I even have my loan payment taken out of my account automatically. I travel for work and when I'm home it's really late or the weekend. When I spoke to the representative at the XXXX Virginia Location, I told her it will be a couple of weeks before I come home and she said well you can't do it over the phone. I asked if my mother can sign for me since she has power of attorney, the rep said that they don't do power of attorneys. Then the rep said you are just going to reapply when you are in town. I told her that I didn't want multiple inquiries on my credit, the rep said that she could not help me with that. I have had family members and friends close their loan over the phone, and they weren't an active customer. To clarify they have done this at the XXXX Location and other locations in the state of VIRGINIA. Why does an employee get to pick and choose who they can assist? Is it because I'm a man? XXXX? Age? ( These are the differences between me and the other people that I know received preferred treatment )
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| 11/14/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with OneMain Financial. I am a natural person, federally protected consumer, and original creditor defined under 15 USC 1602 ( g ). The " loan '' which is the subject of this transaction was primarily for personal, family, and household purposes. First and foremost, I was never informed on the cost of credit and was never given adequate notice which sets forth the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ). I did not receive written notice from OneMain Financial providing the name of the original creditor or the amount of the alleged debt under XXXX5 USC 1692g. Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to pay the " loan '' without penalty which violates 18 USC 880. My decision regarding the entire transaction was uniformed. OneMain Financial has engaged in extortion and racketeering activity under XXXX XXXX Chapter XXXX. I am aware that all extensions of credit are tied to my social security number and that the United States is responsible for the repayment of the alleged debt under XXXX XXXX XXXX. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of XXXX XXXX XXXX XXXX
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| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon, within the congressional findings of the FCRA 15 USC 1681 ( a ) ( 3 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
You guys have assumed this role and the information down below breaks federal law. I never gave anyone permissible purpose to furnish my information pursuant to 15 USC 1681b furthermore your company is not exercising their grave responsibility which is to report accurate information.
Delete the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report within 30 days.
I am aware of the deception and misuse of my credit card. I am demanding you send the consumer file as well as an official consumer report to the address listed above. I demand deletion from these accounts for the invasion upon my privacy and by making a false, fictitious, or fraudulent statement or representation in pursuant to 15 USC 6821. I will be waiting for my response through mail and an updated consumer report with these inquiries removed.
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| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with ONE MAIN FINANCIAL As well as I do not have an account as defined under 15 USC 16939 ( a ) with ONE MAIN FINANCIAL for reviewing of any sort.
ONE MAIN FINANCIAL is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or 3 ) Increase my credit line in the amount of XXXX.
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.
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| 03/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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In XXXX of XXXX I had borrowed {$3200.00} from one main financial at an annual interest rate of 26.36 %.
My monthly payment was XXXX which I paid all the way up till XXXX. So XXXX, XXXX, and XXXX.
My pay off amount on XX/XX/XXXX of XXXX was XXXX. I spoke with the representative at the XXXX office if I could pay XXXX and pay off the rest over the next few months. She said yes. Made a XXXX $ payment to the principal. Therefore the balance of my loan should have been XXXX.
I continued my XXXX payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. Come XXXX I called and said there's no way I should still be paying on this debt as I had paid 5 months at XXXX $ which was almost XXXX XXXX Yet my balance was only XXXX in XXXX. They gave me a payoff amount in XXXX of XXXX which was XXXX.
I filed a dispute with them and complained and said this can not be right.
They never contacted me once..in XXXX I contacted them after I have completely stopped my payments in XXXX. They said they thought their credit team would reach out. ( They didn't ). Now in early XXXX of XXXX I contacted them again as no one has still contacted me and it showed up on my credit report. They assured me someone would call to get this debt resolved which they now say is over XXXX XXXX It is now XXXX. No one has contacted me and I feel I've been badly mistreated by this company.
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| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I took out a Personal loan installment loan with a fixed interest rate from One Main Financial. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early.
My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XXXX app that I had a closed account. When I checked the notification it had One Main Financial as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local One Main Branch Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.
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| 07/07/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I've made the payments, I've had a great track record, they keep calling to make a loan payment, they repeatedly hit my checking account even after I spoke to them. They say that wanted to work with me, but then they just called repeatedly, deducted the money without my knowledge and continue to call. In addition, I racked up more hard inquiries after they told me in writing that I was approved ( after being pre-approved ) for an increase on more then 1 occasion because of by good track record, only to discover that after submitting properb tax documents ( which they would continue to get the amount of my income wrong since I own 3 businesses - they always choose the less of the 3 and would leave it the larger paying business ) and they would turn it down. ( This happened more than once ). The excuse was that I had too much debt per the underwriters. Then how did I get pre-qualified, then submitted paperwork, credit pulled and then approved. I gave them my checking acct info to deposit the check at closing and then they retracted the " approval '' and began deducting payments from my account.
I am done with them. I will pay them off early by XXXX just for them to stop calling me and I will no longer accept or believe any of their lies about being approved. I am caught up on payments and want them to stop deducting my account and stop calling.
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| 07/28/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I am totally distraught because I feel like this NOTICE TO CURE Letter is an attempt to extort me. 18 U.S. Code 894- Collection of extensions of credit by extortionate this is a violation and up to 20 years imprisonment The letter is also violating 15 USC 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
In the letter its states your not attempting to collect a debt but you are. One Main has violated my rights. From the recent call with there representative and now this Notice to Cure letter that I have attached. This is not right and it is damming to me. This notice is a strong threat to me and is a violation of my consumer rights.
Also the Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S, C. 1666 ( e ) for failure to comply with any of the requirements of this section.
If this Notice to Cure doesnt seize its operation I will take legal action.
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| 05/17/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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OneMain financial services has manufactured fraudulent documents to seize private homestead, there was never any loan taken by the XXXX at any time in XXXX, I am in possession of numerous fraudulent documents that OneMain financial services has used to seize property that has no lein, XXXX paid cash for property in XXXX, as well as the claim from XXXX is on a Debt they are claiming, that is XXXX old, XXXX past the statute of limitations of Texas, They have obtained property they have no rights to, there are NO wet ink signatures on any documents, and they have never provided any to the courts.
in XXXX, XXXX XXXX XXXX XXXX provided a Judgement on the property of the XXXX from XXXX, XXXX XXXX did not take precautions to protect sensitive information and for XXXX XXXX XXXX XXXX XXXX XXXX name , dates of birth, complete social security numbers XXXX and complete driver 's license numbers were made available to anyone to access, then XXXX later a fraudulent deed was filed as the information on such deed is questionable not containing witnesses signatures, this must stop, I got the run around last time, so i will expect it to be the same this time, your office has directly affected the safety of a victim of a crime, it's a real shame this is how citizens get treated like criminals and the criminals get a free pass from government entities.
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| 09/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
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I obtained a car title loan with Onemain Financial. A few months ago the car was struck by a hit and run driver. It was deemed inoperable. I decided to keep and fix my car. The car insurance company paid {$7000.00}, and Onemain Financial is the lienholder. I had a balance and it went to them. I fixed the car with my own money, and paid for inspections, paid the DMV all the fees to obtain a salvage title, but OneMain will not electronically release the title to the DMV until I pay my loan balance of approximately {$800.00}. Now I'm not asking for the title I'm asking for them to give the title to the California DMV because this is a new car it will get a new title. It's preventing me from registering the vehicle. I paid {$490.00} for the registration, and ca n't drive my car because of OneMain. When I call they claim to have no clue about what they should do on their end. I leave messages, no one calls me back. I have sent emails with screens shots of the appropriate paper to fill out and send to the DMV but they absolutely refuse. This isn't their first rodeo. They know exactly what needs to be done. They also should have paid this registration like the XXXX XXXX, CA Branch paid when I initially got the loan. Can you please help me?? They keep adding late fees on top of late fees, and won't help me with my account or return my calls.
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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1. Onemain- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but Onemain is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau.
2. XXXX XXXX XXXX - In year XXXX, XXXX loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. XXXX have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest.
3. XXXX XXXX XXXX - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX.
4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.
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| 09/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I negotiated a settlement on my personal loan with OneMain Financial in XXXX of XXXX for a lower amount than what was owed on my account. OneMain accepted my payment and released the title of my vehicle that was used as collateral. I received my title and expected that the loan was settled as I was informed by OneMain. Two years later, I started to receive statements in the mail that notified me that I still owe money on the loan that was settled and that I was late on payments.
I immediately called OneMain in XX/XX/XXXX and reached XXXX XXXX at ext. XXXX at which I explained the situation and he informed me over the phone that it was a mistake and that the loan was in fact settled and that he would inform the settlement department to send a letter to confirm and remove the account from my credit report. Two weeks went by and I did not receive the letter or confirmation that the account and late payments were removed. I called again and spoke to XXXX 's superior where he informed me that they do not have record of the settlement and that I could settle the debt for {$4500.00}. Again, I settled the debt, received the title to my vehicle and do not owe anything on this loan.
To date, One Main has not removed this account and it is now affecting my credit score with late payments on a loan that I no longer have with them.
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| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is a formal complaint against One Main located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, One Main has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 07/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
Older American |
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Springleaf Financial Services My name is XXXX XXXX XXXX, with a date of birth XX/XX/XXXX. I am writing to you because I have had an ongoing issue for over 5 years and have been unable to have it resolved. I have reached out to multiple departments, including my local XXXX XXXX and XXXX XXXX. I have had no resolve. In XXXX of XXXX, a company called Springleaf Financial informed me that I had started to apply for loans that I never received. Springleaf also stated that I received several checks and endorsed them and cashed them. I am disputing this because I never received these checks. I was hospitalized during these alleged check issuances and cashing. I have included this proof with this letter. I have also included a copy of these checks. I strongly believe that my identity was illegally used to obtain these funds. I have hired various attorneys such as XXXX XXXX and XXXX XXXX but neither attorney provided me service. I also have paperwork and documents to prove this. I have taken out a loan with Springleaf in the past for {$500.00} and when I went to pay it in full I realized that there was extra money taken out in my name. I have been fighting this case for several years now and now I am seeking your assistance. It is hard for me to hear and I am forgetful so please send any correspondences to my box listed below.
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| 05/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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In XXXXXXXX XXXX XXXXXXXX, I XXXX XXXX applied for a loan with One Maine Financial, while finishing up the paperwork I was asked if I would like to add unemployment insurance on the loan for a fee, I agreed to add that on. In XXXXXXXX XXXX XXXXXXXX the company I worked for closed down, and since then I have been going back and forth with the sate of XXXX and XXXX to determine what state to file in, finally in XXXXXXXX XXXX XXXX, I was directed to file for XXXX unemployment. As soon as I was able to file I reached out to One Main Financial to get my unemployment insurance applied to my loan. Since then I was sent an email with paperwork to be filled out an returned which I did the same day.
This morning I get a call from One Main Financial stating that I must provide more information regarding my claim, when I called I was instructed that I will need to prove that I worked at least XXXX the week of XX/XX/XXXX, when I asked what for I was told that in order for the insurance to kick in I would have had to work at least XXXX the week I took the loan out, prior to taking the loan I provided them with 2 months of check stubs from XX/XX/XXXX to XX/XX/XXXX, but they need XX/XX/XXXX to prove that I worked at least XXXX. To me it seems unfair and deceptive that I was sold a policy that I may not have been eligible to use.
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| 08/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I was approved for a loan on XX/XX/XXXX they ran my credit then so I went to pick up the check and was ready to sign Mr XXXX at one main financial came back and said he couldn't do it because, he said I put a XXXX instead of XXXX on my social security number which was a lie because I was altered by credit karma that he ran my credit again that's 2 hard inquiries on my credit report and I'm trying to get a loan to pay off my credit debt. He insisted that I did it not knowing I also have XXXXXXXX XXXX working on my credit as well. So I said I would like to see my application to see if it was true he wouldn't show me.So that was on XX/XX/XXXX I called today and spoke to the manager and thought she would resolve this nope nothing. She said she would send me copies so I can contact the credit agency so it would be just one hard inquiry not 2 .she never did it and I record my calls plus my wife was my witness. I really feel I was discriminated against by the way we looked plus I'm XXXX on XXXX Before we left he asked if we had a car title which was strange we said no and left. The business is called onemainfinancial in XXXX XXXX XXXX XXXX XXXX manager XXXX. Associates XXXX. I just want that extra hard inquiry off my credit report.I have a XXXX XXXX under ga law o.c.g.a 30-5-3 you can't take advantage of the XXXX XXXX.
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| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XX/XX/XXXX One Main was contacted by mail stating they are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report on ( XX/XX/XXXX and XX/XX/XXXX ) and without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
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| 09/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I applied for one way financial XXXX XXXX XXXX to help build my credit up, I was approved and they sent out a card to the address provided but the card never made it to the mailbox. I have notifications from XXXX to tell me what to expect in the mail and didn't get that notification. I got notifications from a text asking if I was trying to withdrawal money from a XXXX around XXXX XXXX. I was still sleeping and when I woke up I had several notifications about withdrawing money from multiple sources. I was confused because I hadn't even received the card at all. So I called the one main financial to report the discrepancies and they said they couldn't find my information that I provided because it had change to a different email and phone number than my own. They provided an email and instructed me what to include in the email, address. i.d . phone number and pictures of the transactions and emails saying my password had been requested to be changed. But I hadn't requested that either. No one from the agency was responding to the email and they also wouldn't help me any further on the customer services via phone. I'm am currently getting harassment text and letters saying it's going to go to collection. I found this odd because a first payment hasn't even been due a week for a card that was applied for in XXXX.
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| 10/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I started a new job on XX/XX/. I ended up having emergency XXXX XXXX XXXX a couple days later. I was out of work a couple days due to the XXXX. I have received one full paycheck in 4 weeks. One main financial payment was due XX/XX/XXXX. I explained to XXXX XXXX, on XX/XX/XXXX, I could only pay {$100.00} when I got paid because all my other XXXX 's were past due also. Then he asked me when do I get paid, I told him on fridays and I'm working on getting a third job so I could get out of the financial hole I'm in. Fast forward to XX/XX/XXXX. There was an debit from One main financial that I did not authorize for {$430.00} which over drafted my checking account {$350.00}. XXXX and XXXX XXXX, branch mgr, claim that they do not have the capability to debit my account from a well account. I've made multiple payments to them from my well account, $ XXXX, not $ XXXX because I'm making a third of what I used to make. I worked as a XXXX XXXX doing XXXX for the past 5 years. 25+ years in XXXX. And I've learned one thing there is a back door to everything. It is not a coincidence that my account was debited on a friday. They may not have the rights to do it from there office, but I'm sure they called or emailed someone to set up and electronic payment from my account. Because I surely did not do it. I didnt have the funds.
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| 06/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I am filing this complaint in regards to the company Onemain financial. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$3000.00} }. Which is at 29.97 % .Since then I have paid a total of { {$730.00} } and as of today XXXX XXXX my balance has only decreased by { {$190.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. Also I reached out to them on multiple occasions through mail and phone and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and this company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$540.00} } which is unfair but not even that only { {$190.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$3000.00} } at 29.97 % .Onemain Financial is still saying I owe a sum of { {$2800.00} } .this is malicious and deceptive practices. OneMain financial is also also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.
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| 02/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
Servicemember |
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I have a title loan with the OneMain Financial branch located in XXXX Texas. The loan has typically been paid through ACH debit initiated by XXXX. On XX/XX/2022, while reviewing my bank account, I discovered that XXXX had taken a second ACH Debit from my account in the amount of {$550.00}. I immediately reached out to XXXX XXXX where my account is located. XXXX XXXX was able to see the fraudulent ACH Debit and noticed that the debit was made in the name of XXXX XXXX XXXX whom I do not know. The only way to stop XXXX from making further fraudulent debits was to close my checking account of more than 30 years and open a new one. This has led to countless hours setting up the connections with all of the other vendors I use. I reached out to XXXX on Saturday, XX/XX/2022 but the support line was unwilling to help as the branch was closed. I finally was able to connect to a representative at the branch named XXXX XXXX in order to get them to reverse the fraudulent ACH Debit.
He has refused to help reverse the ACH debit unless I show them a screenshot of my bank account with all of my information on it and the current balance. This has been now been going on for several days and XXXX XXXX refuses to give me contact information for anyone other than himself. I am stuck and they still have my stolen {$550.00}
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| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Between XXXX and XXXX XXXX XXXX ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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| 10/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Was approved for a loan, but didn't receive the money
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Web |
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I have a complaint about a finance company who allowed and individual to receive a loan using my information wondering how but anyway I think it was an estimated amount of {$5000.00} and it's still XXXX left to pay on it I have copies of all the harassing letters to me after I have contacted them around numerous occasions that this account was two none of my knowledge they said they will check into it and they never respond back I would always have to call them back after they said able check into it as if I was lying and I have told him that I was in that I need for myself because I was applying for help I was getting denied due to this apartment account been past due and things but I finally got someone to help me investigate and look into it and XXXX and the fraud people working on it and investigated and it came to pass that I had no attachments to this account that was bringing my credit down for no reason to me and I even explain to them the eye was in dire need of some help myself with a loan me applying and I applied with them and they turn me down and it was something dealing with that account so since this period of time over this 3 years spam of stress and me being harassed for someone else 's account to I think that they're there to be compensation for me and I want to prosecute thank you
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| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with ONEMAIN FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONEMAIN FINANCIAL for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
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| 09/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Servicemember |
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Applied for the loan and was contacted to provide documentation. I am currently on XXXX XXXX military orders and had no problem providing all the information that was requested. I sent XX/XX/XXXX bank statement, pay stub for pay date XX/XX/XXXX ( most recent ) and front and back of ID.
I was then told that it had to go to underwriting because I was in the military. Again, no problem. They came back and said they needed a pay stub that said " mid month ''. I say okay. I send them my stub for XX/XX/XXXX & XX/XX/XXXX. They come back and say the loan is approved but they need to verify income ( again ) and ask for access to my bank account to verify income as if the bank statement with both XXXX direct deposits and the 3 pay stubs weren't sufficient.
When I asked again what the issue was, I was told that my income doesn't add up and the information underwriting needs isn't present on my stubs.
In my opinion, their underwriting team does not know how to accurately read a military XXXX. They are telling me that the information they need is NOT on my federal pay stub which is completely absurd.
I've dealt with a different branch location for Onemain before and never had any issues and I'd appreciate someone looking into this matter to ensure other military members do not experience the same thing.
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| 12/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Older American |
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" Deceptive Lending Practices '' On XX/XX/XXXX I made a Personal Loan with One Main financial for {$4500.00} at rate of 35.99 % APR, while never missing a payment. The I never missed a payment which initially was {$170.00}. Due to the Pandemic and reduction of income I request a " Interest Reduction ''. Both agreed that the reduction would be truly a Interest Deduction, and did not some form trick, that would add interest to the principle balance. Thus on approximately XX/XX/XXXX both parties agreed to a Interest Reductions. The agreed upon Interest Rate was to be 6 % .After I made the payments as newly agreed upon One Main Financial source ways to increase the rate and payment. The Lender is now attempting to increase the back to 35.99 %. One Main Financial states that the increase is related to what they state is I can afford the original payment. I then stated my unhappiness with OMF and requested a Loan Payoff total. Upon doing this OMF increase the Interest Rate back to 35.99 %. I am requesting that the remain 6 % until XX/XX/XXXX the day of the last payment. After making 12 month payments One Main Financial claims they are now owed approximately {$4500.00} the original amount of the Loan, Addition One Main Financial elect to make a comment on my credit report at a rate reduction was agreed to
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| 10/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I took a loan with OneMain Financial Group for {$12000.00}. I did not know that the loan was attached to my car. I thought this was a personal loan only. Later, I found out that this was a secured loan and it was attached to my car. I am having a financial hardship and OneMain Financial Group forced me to pay the first payment of {$570.00}. it looks like this payment was for interest only. I just know that this payment was for interest only. They didn't tell me about this before. Then, they asked me to pay {$410.00} monthly for 72 months. I told them that I could not make this payment due to my financial hardship. They harassed me on the phone and forced me to make the payment. Later, they asked me to pay {$200.00} for interest only for this month and they will add another payment month at the end ( this means that I have to make 73 payments ). I told them that I could only pay {$110.00} for interest only per month for six months before I could resolve my financial hardship. So far, they have forced me to make {$200.00} for interest only for this month. They do not agree to accept {$110.00} per month for interest only.
They have called me and emailed me every day and I have to discuss this with them every day. This is a nightmare for me now. I can not focus on my daily work and activities.
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| 10/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On Tuesday XX/XX/, I had about 19 outstanding odds pre approvals for loans, about 7-9 of them were from onemainfinacial for up to XXXX. I applied for the loan due to outstanding odds and excellent pre-approval rates. When I applied, i immediately got an inquiry on XXXX, yet the rep told me they can't process my application " due to a county wide flood watch " " in my county New York, due to the hurricane, one main was not allowed to process loans in my area " I live in XXXX with credit score well over 700. I called back and asked how was that possible when I was referred to apply for a loan from a family member in area, they said send a tax return and said they can't approve it due to tax return. I told them that I along with millions of other Americans had minimal work during the Pandemic ( I still worked briefly and paid taxes which reflects on my return ) and they said that doesn't matter and it's understandable for me to complete the application ( I got a inquiry and was basically denied and discriminated against before my application fully processed ) .after denial I'm still at excellent approval odds for a loan double the amount. Clear lies, deception and unfair lending practices. I'm taking this level of discriminating and unfair lending practices to court to seek monetary damages.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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On XX/XX/XXXX I inquired about loans from One Main Financial. On the final page, which is intentionally created to confuse the consumer, it says to check a box if you would like OMF to show you offers for loans and that they would then check your credit.
HOWEVER, below that it very clearly states that having OMF check your credit will NOT affect your credit. ( Please see screen shot attached ) Within seconds of agreeing to proceed all my credit reports were hit with a hard inquiry.
I called OMF on XX/XX/XXXX asking why this happened and then I was given the run around that I needed to speak to a specific department and to call back Monday.
I called today and was redirected twice to a department that was clearly set up to handle this exact issue. There are thousands of complaints about this issue online. Like reading from a script they denied their authorization was deceiving or confusing and refused to remove the inquiry. They also will not stop calling me or emailing to approve one of the loan of offers. Pure harassment at this point.
This is a very intentionally deceptive practice clearly created to confuse and bamboozle the consumer.
OMF has numerous lawsuits and complaints for deceptive practices spanning years. This is simply another attempt to scam and harass the consumer.
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| 05/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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This company will repeatedly call the co-signer and me each 2-4 times a day each despite us asking them multiple times to limit the phone calls to mainly just me, 1-2 times a day, and an email.
I know I have an obligation to pay, but I have informed multiple people multiple times I need my phone to be free from calls due to my work. I have had this loan for over a year and due to health issues and financial reasons, we have made the majority of payments 1-30 days late. They know the bill will be paid, so I am not sure why these harassment tactics continue.
Currently I am 2 days past due {$100.00} and they have already called multiple times today from two different numbers ( its only XXXX ).
A few months ago one representative ( I cant remember his name ) actually told me they have the right to keep calling since I owe a debt. There have been times I answered and told them I can not talk, but they kept speaking, telling me it just takes a minute to pull out my card and set up a payment.
In the past, they have also called my relatives and told them they thought their number was mine, despite their number having no connection to me nor has it ever been provided to the company.
I do know my rights and I do have some phone records that I can provide if needed To back up my claims.
|
| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I currently have a vehicle loan with One Main Financial Account # XXXX. As of XX/XX/XXXX I was paid ahead on my car loan up until XXXX of XXXX.
On XX/XX/XXXX I was in a car accident and the insurance company deemed the car a total loss as of XX/XX/XXXX.
One main financial will not accept payment from the insurance company for now going on over five months.
I was told by One Main Financial they failed to obtain the title of the vehicle upon origination of the loan. This was due to their clerical error of not ensuring all documentation was completed during originations, and they continued on-boarding the loan. They finally sent the documentation to me to have notarized in XXXX and submitted to obtain the title from the DMV as of XX/XX/XXXX.
They're failure to correctly originate my loan has caused me a huge amount of harm.
I have been advised I will still be charged the all the interest for this time being at the XXXX because it depends on when the insurance company submits the payment in which they refused to take due to their error.
During this last five months I have occurred more expenses as well not just having to pay the payment to One main financial for a car that is totaled when they have refused payment but also for using a rental car and the use of ride share fees.
|
| 07/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the XXXX, as directed by section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the FTC 's Notice XXXX XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Please send me a letter explaining your findings and actions.
|
| 06/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
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Web |
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Please I need help I have been paying this company around {$5000.00} and they have not lower the amount I owed they give me a monthly payment of {$390.00} of that amount {$1.00} goes to principal and the rest is interest around {$180.00} this is insane I am taking medication for XXXX and XXXX because I never thought will go thru something like this they lift my car from my house with about previous notice because I stop paying to have my car back they told me that I have to pay {$700.00} fee for the company XXXX XXXX plus {$1400.00} of miss payments when I complete the money they told me that they wont release the car if I dont give them {$2400.00} in total I submit the payment but when I when to the company to pick up my car they make me sign a paper statement that they only charge {$150.00} to lift my car and to keep it for 3 days I took picture of all this papers when I go see my balance the lock my account and my surprise is that from {$2400.00} that i paid only {$300.00} went to the principal Please help me I dont know what to do Im currently not what to do they never told me about this high interest I have documentacin that i can show you please i need help I owe them {$9700.00} the loan amount was {$11000.00} i feel I will never get out of this frustrating situation
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It has come to my attention that One Mani Financial Union has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).
As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request!
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
|
| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I had a loan since XXXX with One main financial and it was paid off on XX/XX/XXXX of XXXX and it is not showing on any of the three credit bureaus I have contacted the executive offices and they said they don't know why it's not reporting they can't figure out why their computers aren't reporting it and they would and DID manually report this $ XXXX to $ XXXX loan to all 3 credit bureaus. As of today, I spoke with all 3 bureaus and THIS IS NOT THE CASE.
I have been working on getting another car as mine was stolen... Which assisted with the final payoff of this loan.
The lack of reporting caused the car to be sold out from under me as well as I applied to get another loan thru them However, there is no way that a loan of this size and length would not affect my credit score if not reported... Thus, any offers actually from any lender I look like a liar The application has been open for 25 days and this correction has still not been made Now the application is expiring TODAY!
This ERROR ON THEIR PART is totally messing with my credit overall and my ability to get treated fairly by ANY LENDER!
Again. The LOAN IS PAID OFF.
I PAID IT OFF ON XX/XX/XXXX... THERE IS NO REASON IT SHOULD NOT BE REPORTING... I HAVE BEEN PATIENT AND NOW I AM SUFFERING DUE TO THIS INCIDENT.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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After throughly investigating all agreements & disclosures provided to me by ONEMAIN FINANCIAL GROUP LLC on XX/XX/2021, it has been determined that ONEMAIN FINANCIAL GROUP LLC 's contract and or agreement used fraudulent inducement when it failed to uphold it's obligation with respect to the disclosure of the consumers personal information because the provided disclosure 's falsely represented, concealed, suppressed and or intentionally failed to disclose material facts required by 15 US Code 6802 ( a ) ( b ) ( 1 ) of the GLBA ; which deceived and was intended to deceive the consumer into believing it had no right or option to Opt Out of having it's account information furnished to consumer reporting agencies, when in FACT it did.
After deceiving the consumer, ONEMAIN FINANCIAL GROUP LLC deprived the consumer of it's right to privacy by furnishing private account information to consumer reporting agencies without the consumers expressed consent and without any other lawful authority. These acts constituents Identity Theft pursuant to 15 US Code 1681 ( q ) ( 3 ) and RCW 9.35.020 and establish existing FRAUD and therefore VOIDS the contract and makes it un-enforcible.
These criminal acts have caused the consumer damages in the form of loss of opportunities and wages.
|
| 03/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XXXX I went to ONE MAIN FINANCIAL office for a loan to consolidate my credit card debt. I was approved for {$8000.00} for such.
XX/XX/XXXX I paid {$310.00} for an XXXX XXXX.
XX/XX/XXXX I paid {$280.00} monthly amount due XX/XX/XXXX I paid {$280.00} monthly amount due I refinanced my mortgage with another lender to pay off this debt and I paid on XX/XX/XXXX, {$7700.00}. I was told I owed {$280.00} in additional interest ... I was FLOORED.
I was told that they might be able to waive that interest charge and they would talk to their superiors about it.
XX/XX/XXXX I called to find out about the waived interest and was told they would get back to me.
XX/XX/XXXX I called about this again and was told they had to speak to their superiors.
XX/XX/XXXX I was called and told I have to pay the interest fee of {$280.00} and I was floored again. I did pay it because I wanted my TITLE returned to me and I wanted to close this loan.
XX/XX/XXXX I paid {$280.00} to close the loan.
I had asked for a written statement of how that fee was determined because it didn't add up to me as I was current and never late on any of my payments. They would not provide a statement of how the {$280.00} was tabulated.
I feel that interest was excessive and should be returned to me.
|
| 11/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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|
I applied for a loan on XX/XX/22. I submitted docs that were asked of me including ID, bank statements, and pay stub and a authorization form by loan officer, XXXX. After that I did not hear anything back from them for a few days. I called and left messages on XX/XX/22 and XX/XX/22. Finally got a call back on XX/XX/22 and was told I needed to submit photos of my birth certificate and social security card because ID was expired. I submitted them XX/XX/22. Got a message to give them a call and I did. Was told I now needed to submit a picture of the back of my social security card. I did. Got a call today XX/XX/22 that because my birth certificate is a copy they could not accept it. They waited 4 days to tell me this. It has been one thing after another with them and it has been a frustrating experience to deal with. And looking my certificate its not a copy. It is the birth certificate my parents received at the hospital. But either way my time was wasted and I ended up with no loan. Reading other reviews its probably a good thing because they do not seem like a good company to do business with and loan officer, XXXX, lied to me multiple times saying she would submit my docs for final review but she never did. She said this each time after I submitted a new doc.
|
| 05/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I applied for an Automotive Loan approximately 2 weeks ago at XXXX XXXX in XXXX for a XXXX XXXXXXXX XXXX, the Finance amount was supposed to be {$10000.00} My Credit Score is Average to Good. And the Interest Rate for THAT DAY was around 4-5 % when I checked it. After Obtaining & Securing my loan, about 3 Days Later I Logged in to my account to See and Check the Terms of my Loan, but the Interest Rate was Missing and Not Shown, so I called and asked if they could send me the terms of my loan to my Email, or via USPS. about 3 days later, I received in the Mail a Statement of the VERY SAME THING I saw Online. a Simple Statement of the Balance, Payment amount, but the box where the Interest Rate Was, was BLANK. It became VERY Obvious even from the first time I logged in to my account that this Company was using DECEPTIVE PRACTICES by HIDING the INTEREST Rate from the Borrower. After Calling In Again and Complaining, It was Revealed that my interest Rate was an OUTRAGEOUSLY HIGH 12.4 % More than DOUBLE the Prime Rate. A Second Statement was Mailed to me Disclosing the Interest Rate. This is Not only PREDATORY and DECEPTIVE, but there is absolutely NO REASON Why I should have been given an Interest Rate MORE than DOUBLE the Prime Rate, with Average to Good Credit.
|
| 07/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I have filed this complaint before against a XXXX XXXX of One Main Financial. On or around XX/XX/XXXX he contacted me as to provide some relief to some extenuating circumstances as you may see in the previously closed case, he asked for a XXXX XXXX twice and the product was not subsequently provided. This case was unfortunately closed out a day before the XXXX of this month. Which coincidentally was before the XXXX grants were launched. I kindly asked for the Rep to wait while I contacted the relevant authority to understand why some billings of a certain XXXX product happened on the eve of XXXX when ordinarily it occurs on the XXXX of each month.
I would kindly like to reconsider and suggest keeping this case open along with one main financial, while we explore other avenues to understand why the deliverables never happened after I was so highly sought after for the financial relief product while possibly asking the relevant authority to look into the strange occurrences, such as the Black car driving beside me in tandem to the left, while a green car bearing TN tags pulled up on the right with hazards blinking flush and adjacent.
I would like the opportunity to make observations and understand better what might be going on and this will benefit us both.
|
| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.
( 3 ) INFORMATION regarding inquiries This is not misrepresentation I am victim of Identity theft this not a mistake sent in error. I did not consent to authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. Please block and remove immediately the following inquires from each XXXX.
|
| 11/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Subject : Request for Due Date Change and Concerns Regarding Collection Process Dear [ Creditor 's Name ], I hope this letter finds you well. I am writing to inform you that I have formally requested a change in my account 's due date to the XXXX of each month. Unfortunately, the current due date has led to delays in processing my payments, causing my account to be marked as late.
On XX/XX/XXXX, One Main contacted my workplace regarding a payment of {$17.00}. I inquired about why they did not contact my cellphone as usual, and I was informed that this was part of their collection process initiation. This has raised concerns for me, as I believe direct communication through my cellphone should be the primary method before escalating to my workplace.
I want to assure you that I have made the XXXX payment today, totaling {$350.00}. However, I am reaching out to express my concern about the collection approach and to reiterate my request for the due date change to the XXXX of the month to avoid such situations in the future.
I appreciate your attention to this matter and kindly request confirmation of the due date change and assurance that my account will not be subject to workplace contacts unless absolutely necessary.
Thank you for your understanding.
|
| 03/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XXXX XXXX XXXX OneMain Financial received my letter of debt valadition via mail. I received in return an non-completed copy of a loan agreement. This agreement doesnt have any physical signatures of any party stating that this agreement is valid.
Contract : an agreement with specific terms between two or more persons or entities in which there is a promise to do something in return for a valuable benefit known as consideration Each page will show either blank or N/A for the section of the loan agreement 15 U.S. Code 1692c - Communication in connection with debt collection Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
|
| 01/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
this company is in so many violation of my consumer rights is ridiculous starting with 16 USC C ( 1 ) ( 2 ) ( 3 ) ( refuse to pay debt ) a cease in desist order dated XX/XX/XXXX sent certified mail. This company is also in violation of 15 USC 1692D harassments, threating to harm my reputation, WHICH THEY HAVE by MARKING MY OPEN END CREDIT ACCOUNT IN DELINQUITE AND DROP MY CREDIT SCORE XXXX POINTS, violation 15 USC 1681A ( 2 ) ( B ) any transaction approved by my credit card ( social security number ) should not be on my report so who gave you written consist to furnish my information 15 USC 6802 ( 1 ) ( A ) ( B ) ( C ) institutions can not share information to third parties without my consist 15 USC 1681B. Which was never disclosed to me, I deem this information private VIOLATION 15 USC 1692F -unfair credit practices. I have sent out debt validation XX/XX/XXXX which has not been responded to as well the as deceptive forms made to look like I owe a debt which is also a violation 15 USC 1692j ,15 usc 1666 ( b ) billing error showing no such things as bills just statements of credit transaction .This company is bulling me and stressing me out because of these allegations and there harassing 's tactics and it must stop. 15USC 1692K {$1000.00} PER VIOLATION
|
| 06/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am having a problem with One specific employee named XXXX who is the branch manager. I fell behind in XX/XX/2023. I went online and made a payment date for my payment to come out. I was contacted by XXXX who deleted my payment due to her wanting to put it in the system herself. I ended up needing to change the payment date, XXXX informed me, I was not able to cancel my payment. The payment was still in time to be cancelled per the email. I challenged her and told her to cancel my payment because I wasnt going to be able to make the payment. The conversation didnt go well. She said I was hostile and that I should come into the office. I called back to discuss help with the account and she told me, I didnt qualify. I felt as if she was preventing me from help. I contacted other stores to get help and they transferred me back to XXXX. XXXX is doing things like deleting payments when the money is in the account, blocking my online account. I spoke with another employee XXXX, who was supposed to have regional manager contact me about my complaints. I have tried from XXXX to now to get help and Im always told No. I asked for this account to be transferred to another store so I can have professional services and assistance. This is my 3rd attempt for help.
|
| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I applied online for a credit card through three different banks. I was approved on all three. When I received the card from XXXX ( onemain financial ) I decided against activating it due to the interest and fees.
However, despite my card never being activated they opened the account and charged me an annual fee. They now are reporting it as 90 days past due on my credit and have significantly impacted my credit score.
I attempted to locate a phone number to no avail. Their website is extremely limited on ways to contact them. I finally was able to get a real phone number and then their system did not allow me to speak to anyone unless I had my full card # - the very card I did not have after shredding it!! Through my credit report I located a number that got me to their collections department.
I asked them to remove the charge as the card is not active, I no longer even have it physically. The representative said they can not even though she sees my card has not ever activated. I asked to speak to a manager and she refused to let me speak to anyone.
I receive texts ever since I called them and Ive replied to texts and emails stating that I do not owe them an annual fee on a credit card I have never used or activated. Nothing has been done.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have been put through pure XXXX from the moment I joined XXXX XXXX several years or more back my information was leaked out and my number turned up on the dark web. My medical records were comprimised I am XXXX and filed bankruptcy in XXXX I have been issued credit cards and for 2 years have made my payments on time XXXX XXXX keeps sending me offers to my e-mail for cards and institutions that I already have accounts with also loan offers from company 's like Onemain financial who did credit report searches on my on 3 different occasions when it should have just been 1 time and sent me offers saying that applying would not cause my credit score to go down when it did I am at my witts end I suffer from a XXXX XXXX and was thrown out of my residence of 5 years during the pandemic when I was not even behind on my rent and was sick and then having to file bankruptcy and then getting my credit back on the right track I had my credit score up to XXXX and now it is in the mid XXXX 's because of all the inquires that I was told would not happen plus I took out a loan from a company that got my address from XXXX XXXX that turned out to be a line of credit and charged me a 325 % interest rate please help me I am a veteran and XXXX and this is killing me
|
| 04/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I had my card stolen in XXXX of XXXX, been dealing with the company for over 5 months and already received a letter saying that my dispute had been approved but the funds have not been put into my account. I have called more than 100 times and spent countless hours trying to resolve this issue but they keep passing me along to a diff department every time. I can provide proof that my fraud claim has been approved and proof that they never gave me my funds. I don ; t know what else to do, I've called them repeatedly for help and they can't seem to won't help me. It's for almost {$800.00} and it's been an ongoing case for almost 6 month 's. The credit card company is One Main Financial ( XXXX ) and if you need more information from me, I can provide my account number and the letter I received from them that the fraud claim has been approved. Fraud started XX/XX/XXXX, {$180.00}, {$210.00}, {$15.00}, {$66.00}, {$160.00}, {$29.00} which totals {$670.00}. I filed a claim on XX/XX/XXXX, and on XX/XX/XXXX i recieved a letter claim # XXXX saying that the inquiry is over and that my claim has been closed and that my provisional credits were to be permanent, but they took back the credits which means they didn't give me back the money that they owed me.
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
On XX/XX/2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XX/XX/2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, two telephone numbers ( XXXX and XXXX ) and, an erroneous last four digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from ONEMAIN, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are three soft inquiries from : - XX/XX/2023 - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX.
- XX/XX/2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX.
- XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX.
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.
|
| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am the original creditor. See Hurds Rev Stat Chap 32,36.
United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action.
U.S. Homeland Security and Border Protection Cop-06-00039 - geodetic survey blood right heir ( royal trust ) 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.
15 USC 1692 congressional declaration of purpose.
House Joint Resolution 192!!!
In accordance with the fair credit reporting act The principal debtor is responsible.
15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.
15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.
AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ).
Remove the fraudulent XXXX claims.
Thank you.
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| 06/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I am filing a new complaint, because One Main has provided inaccurate information in their response.
1. I immediately notified One Main of my termination from my then employer in XX/XX/XXXX, not XX/XX/XXXX like One Main stated. The reason the claim took so long was because of their high turnover of branch managers. As I previously stated, I notified the employee XXXX. He insured me that my entire balance would be covered, just as the Branch Manager XXXX XXXX told me when I added the insurance, but XXXX never processed my claim. I kept following up, and it wasn't until the Branch Manager XXXX finally processed it, which is why it wasn't done until XXXX. XXXX XXXX also assured me that my claim would be paid in full.
2. One Main is being untruthful about XXXX XXXX yelling at my wife. Other employees were present and witnessed when it happened. One of them being XXXX.
3. One Main was deceptive in that three different employees ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) all deceived me by telling me from their own mouths that my claim would be covered in full. This is bad training and practices on behalf of One Main Financial.
4. One Main was careless breaching another customer 's information to me, and should be held responsible for that.
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| 04/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I applied and was approved for loan options with one main financial, upon completing what they say was required by uploading all documents asked for, I received a call by Branch Manager XXXX XXXX who asked for collateral info for my vehicle, upon the info, he said he would deny me based on the age and mileage of my car. This is indeed discrimination and adverse action.
RE : Adverse Action I, XXXX XXXX, the consumer and natural person, was denied credit by ONE MAIN FINANCIAL when I applied for a personal loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by ONE MAIN FINANCIAL due to the response I received.
ONE MAIN FINANCIAL is in violation of 15 U.S.C 1642.
U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ONE MAIN FINANCIAL.
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| 07/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I took a personal loan out through One Main Financial. My car was used as collateral in the loan and One Main Financial bought out my loan I originally had with XXXX XXXX. In XXXX of 2022, I had a car accident and totaled my car that was connected to the loan. One Main Financial had trouble getting my title and would not provide a letter of guarantee for the loan to be paid by insurance. One Main Financial was aware of the total loss accident and still reported my payments for the car delinquent for the months of XXXX, XXXX, And XXXX. The payments were not delinquent as I waited on the pending insurance claim. I have discussed this issue with One Main Financial with no results. I disputed the problem through the credit bureaus but still no resolution. One Main Financial collections kept contacting me after I have noted that the there was a pending insurance claim.
The account was finally settled with One Main Financial with a payment of {$8400.00} in XXXX 2022. One Main Financial updated the balance on my credit report, however the balance is incorrect. One Main Financial also has not updated the account to be settled on my credit report. I am unable to get a vehicle with these negative remarks on my credit. I need this to be fixed.
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| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I am in the process of purchasing a home. I noticed that on my XXXX Credit report they show that I have an account that with One Main Financial company. I agree that I was 2 months late for a 60 day late payment however XXXX is showing 90 day 's late. I contacted OneMain and they agree that I only have one account. over the last 2 weeks my score on My account with OneMain is XXXX. This is the only account I have with this company. However they are reporting two on my account. I do not know what to do. I speak with XXXX and they tell me that they are initiating a dispute on my behalf but they do not contact OneMain. I contact OneMain financial and they inform me that they are reporting one account. One my other credit reports I have only one account. I have been hurt financially and emotionally by this. I am not longer able to get my VA loan approved. I am at the end of my lease for the current home I am in and will not have a place to live after the XXXX of this month. We did not resign the lease because we had met our eligible scores for a VA home loan. Now that XXXX and XXXXneMain has failed to do their job I no longer qualify for VA loan approval. I've been contacting them for almost a month now about this. I NEED HELP PLEASE.
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| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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On XX/XX/XXXX I tested XX/XX/XXXXXX/XX/XXXX. At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately one main email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in One main reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to one main I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect XXXX of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.
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| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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When I originally got the loan with OneMain Financial set up I had little to no interest in any add-ons or insurances. When everything was ready for signing it seemed like there were 1 or 2 small insurance fees added on. It was confusing and complicated but the person helping me forged ahead like everything was normal and expected so I went along with it.
Later I decided to borrow more money and also said I want to remove whatever extra things are on my loan. However when it was time to sign the person helping me told me the monthly cost included the 3 add-ons I had already on my account. Again I was confused by this, but I felt pushed not to make the process even more complicated and went along with it.
The most recent time I have asked about possible loan increase I specifically stated at the beginning of the call I wanted to remove any and all extras tacked onto my account. I said it multiple times to 2 different people. Now I am no longer eligible for increases.
A side note to this complaint : there is zero visibility in my online accounts whatsoever as to what all I'm paying for in my bill. I can not view any specifics for my account on any insurances or add-ons or even what percent of the payment goes towards interest.
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| 10/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem with fraud alerts or security freezes
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Web |
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XX/XX/2021 I called one main financial and spoke to XXXX in the fraud department because a credit card came to my home that I did not order. That week I was getting multiple letters from creditors saying they were unable to verify I was applying for loans therefore I knew I had been the victim of identity theft and they closed the account and the very next day they opened a line of credit in my name for XXXX. It was done online and e-signed and they did not verify my identity. They sent the check to a Post Office box and they did not verify my phone number. There was a different address and 2 different phone numbers provided that did not belong to me. They are now suing me for {$12000.00} because I did not pay the loan. I have been trying to work with them for 2 years. I have filed 3 identity theft reports and I also filed an incident report with the police department. They did not want to do a police report because they do not know who the perpetrator is. I did everything they asked me to and this is now going to trial. They also reported me as being in default to all 3 credit bureaus the credit Bureau removed the incorrect information including the address and phone number but my report is still affected due to the default.
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| 05/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I was treated with respected and professionalism, until I uploaded a copy of my ID. The sales rep and manager both grossly discriminated against me for being XXXX. I was told my ID and paystubs were fraudulent so my loan was declined. XXXX informed me that he and XXXX both saw red flags after receiving my ID. They both questioned the amount of income I made. XXXX requested that I prove my income by sending over my year end paystub. XXXX said, MainOne Financial fraud department reviewed the file, pulled a SSN background report, among other reports and based on what returned they informed XXXX to decline my loan. I was never asked to bring in a copy of my ID. Once I discovered my loan was declined and the reason why, I insisted that I stop by and bring in a copy. I met face to face, with XXXX the manager, who said my ID was still fraudulent. I have a previous loan with OneMain that Im currently paying on. Ive been paying on this loan for 2-3 years. My payments are on time and deducted by ACH from my personal checking account. They have a previous ID on file and they have my previous paystubs from the same employer. Ive been with the same employer ( XXXX XXXX ) for 10 years. The only red flag was my XXXX XXXX, they saw on my ID.
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| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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OneMain Financial imprperly obtained my credit report as there was no permissible purpose. I never entered XXXX XXXX 's site to ask for any loans. Furthermore, it is OneMain Financial that gave me a hard inquiry on my credit reports, NOT XXXX XXXX.
This is an unacceptable response from OneMain Financial. If this is not rectified immediately, I will refer this to the OCC and will seek legal advise when when warranted. I will not let this company ruin my credit when I NEVER authorized it nor any of its partners to check my credit report on or about XX/XX/2023.
This is OneMain 's UNACCEPTABLE investigation and answer to my first complaint : " OneMain records indicate that on XX/XX/2023, you received an offer to apply for a OneMain loan through the XXXX XXXX website, a financial services website that helps consumers find personal loans. Specifically, on the XXXX XXXX website, you provided information to determine if you had loan offers from participating lenders. Based on the information you provided, XXXX XXXX showed you available loan offers. You selected the OneMain offer. After selecting the OneMain offer, you were redirected from the XXXX XXXX website to the OneMain website to complete the OneMain loan application. ''
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| 03/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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OneMain Financial placed a block on my credit card 2 months ago and refuses to tell me why or how to get the block removed. I've called the company for the past 60 days asking for guidance on what needs to be done. In my first call in XXXX I was told I needed to call my financial institution to have the block removed; meaning call my personal financial institution that I make payments from to OneMain to have the block removed. On my second call at the beginning of XXXX I was told that my name would go on a list and they are slowly working down the list to remove blocks. On my third call in XXXX I was told that a letter was mailed out to me to tell me how to lift the block but that they couldn't tell me what was in the letter or when exactly it was sent. On my call today I was told the same, a letter will be mailed to me but they don't know when. Each time I request a supervisor no one is available and I will have to wait XXXX to 5 days for a callback for which I have never received. OneMain charged me an annual fee to use a card for which they have restricted the use of and refuse to tell me what I need to do to have the restriction lifted! I would like the annual fee refunded and the block removed from my card!
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| 08/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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Today, XX/XX/2023, I attempted to make a principal-only payment of {$2300.00}, according to an amortization table of my loan, which I obtained online. The people @ One Main Financial are telling me that they will NOT allow me to make principal-only payments!
This is a VIOLATION on several levels : 1 ) I made it CLEAR to One Main Financial employees that I was going to do this, when I applied! No one said this is illegal. CLEALY it's NOT! 2 ) ALL open-ended loans in the US can be prepaid with principal-only payments! 3 ) One Main Financial is stating that, since this is a pre-computed loan, that I am not 'ALLOWED ' to make payments that avoid 'interest payment '. 4 ) OMF claims that ALL payments MUST pay interest, or it won't be computed. 5 ) ALL of what OMF is stating, while might be COMPANY POLICY, is aimed @ circumventing FEDERAL LAW, which CLEARLY allows PREPAYMENT of ANY loan, without the burden of penalties meant to harm the public! OMF 's prepayment policies are intended to benefit THEM, while harming the customer ( ME! ). I need your help in setting the record straight here! OMF CAN NOT set company policies that PENALIZE ANYONE trying to prepay a loan of ANY KIND, FOR ANY REASON, UNDER ANY CIRCUMSTANCE!
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| 03/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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XX/XX/2023 I, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX had applied for a loan from One Main Financial located at XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX with a XXXX. after compiling with all the required information including submitting our taxes and transcription. which process started weeks ago. We finally called in on XX/XX/2023. XXXX told us that we were denied because a XXXX is not income. I then asked her to give me a denial letter stating that, and she said she can't, but I will receive a letter. That aroused my attention. I called her back and asked her who can we speak to regarding this and she said no and she sorry well be getting a letter in the mail and hung up.
After reviewing all that has transpired, we thought to call someone to handle this discrimination of income situation and contacted XXXX XXXX XXXX XXXX XXXX XXXX and the referred us to XXXX XXXX XXXX that referred us to Consumer Financial Protection Bureau and this where I started our complaint.
Thank you in advance for reviewing this case and guiding us to your best of your ability to us getting this matter to either get this loan or giving a legal written letter to why we were denied and reason or another.
Sincerely, XXXX XXXX XXXX
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| 10/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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I applied for a loan after calling OneMain to attempt to pay some expenses. The person on the phone rushed me to scroll past some text and check to sign. I only discovered months later that I had incurred a {$6000.00} fee on a {$9000.00} loan, essentially a 66 % fee. This was added to the principal, which was itself at a 25 % APR. This meant that year one of the {$9000.00} loan, I would potentially pay {$9700.00} in interest and fees alone. This was incredibly unclear in the call and in the app, and even afterwards, when my father was attempting to help me understand the loan terms, the app did not make them remotely available. The website was similarly obscured and viewing billing statements does not work in XXXX mobile browser, so I had to view the billing statements on a desktop just in order to see the loan terms and the fee I'd been charged. It was presented incredibly unclearly on the bill, as some sort of refunded interest (? ) and I had to talk to another customer service rep to even understand what had happened. They too had to do research to understand the chain of events.
The murky terms, the hasty sales presentation, the exortionate rates- these practices strongly feel both Deceptive and Abusive.
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| 06/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I received a Pre Approval through XXXX XXXX XXXX for a personal loan at a 13.99 % Rate through One Main Financial, I proceeded to validate that is information was correct before providing any credit information to anyone by visiting XXXX and checking my pre approval status there as well. I was once again advised I was being " offered '' two unsecured loans with One Main Financial with rates of 12.99 % and 13.99 %. I was asked to proceed to accept my offer, once I entered my personal information an inquiry was made on my credit and I was contacted by OneMain financial for a check stub and a copy of my drivers license. Once they obtained all of my personal information I was advised I was approved for 35.99 % interest. I advised the company I was not interested, I did not need the money and that I was simply trying to add a trade line to my credit to continue building it stronger since I was offered a good rate in this market. I advised them that they obtained my credit information by means of fraudulent practices and I wanted to have the inquiry removed and my personal information destroyed. They have refused to do this and stated that they will not remove the inquiry or my information under any circumstances.
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| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give One Main Financial permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the One Main Financial Customer Relations Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXXXXXX XXXX and I also submitted another complaint ( after sending one via email and speaking to two representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , One Main Financial at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.
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| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had issues with a credit report that was different from the reports I have access to.
Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information.
My credit score with XXXX had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX.
I was told by the company there's 20 different reports, I was sent a credit report directly from XXXX and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX.
Then I later was refinancing the same home that I was trying to get a rehab loan on and was told XXXX had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have.
Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.
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| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As I have been reading the FAIR CREDIT REPORTING ACT 15 USC 1681 section 602 a clearly states, there is a need to insure that consumer reporting agencies exercise their main responsibilities with impartiality, fairness, and must respect for the consumers right to privacy.
XXXX, XXXX are consumer reporting agencies and I am a consumer thats the first thing .and I have the right to make my information is private and isnt just. Which is also backed by 15 USC 6801 clearly states its the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality and now I will also place laws on here that cover me as well.
( Furnisher of information to credit agencies ) 15 USC 1681 section 604 ( a ) section 2 and subsection ( c ) also 15 USC 6802 ( b ) ( c ) And 15 USC 1681C ( a ) ( 5 ) expect as authorized under subsection ( b ) 15 U.S Code 1681 s-2 ( A ) ( 1 ) Also 15 U.S Code 1681e and 1681c, 1681b Because XXXX and XXXX are not maintaining reasonable procedures and also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time so I AM OPTING OUT OF YOUR REPORTING SERVICES!!!!
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| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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ACCOUNT NUMBER : XXXX I submitted a dispute to XXXX regarding OneMain Financial. The account is reporting Paid but also shows a charge off amount. OneMain sued me in court and received a judgment for the amount in XX/XX/XXXX for {$4300.00} plus other fees. They won that judgment and my income was garnished until the entire balance of XXXX, XXXX plus court costs. After all monies were pain, in XX/XX/XXXX OneMain sent me a letter stating that my account had been paid in full and stamped each individual page as paid on the contract.
They never listed any other amounts owed.
But, they are reporting to XXXX that my account is paid, but {$4300.00} was charged amount. This is the amount that was garnished. I have contacted OneMain and XXXX and asked them to correct their error but, as you can see by one of the attachment, XXXX is stating that they have contacted OneMain and the information listed on my credit report is correct. IT IS NOT CORRECT!!!!
I take offense to the fact that these credit reporting agencies are not investigating the information that they are listing on credit reports without investigation. They are blindly taking the words of these companies.
I WANT THIS CORRECTED IMMEDIATELY!!!!
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| 10/16/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Earlier in XXXX I received a summons on behalf of XXXX and financial from the XXXX XXXX XXXX. This summons told me that I had a specific amount of time in order to answer some allegations against me. When I went to file my answer, I spoke to [ redacted ] on XX/XX/2022.
[ redacted ] went over my options and let me know they would prefer me to not file an answer, and that they would wait for the default motion.
I stopped [ redacted ] and let her know what that means. The term motion to default.
I asked her if [ redacted ] meant for me to not respond to THEIR initial motion towards me ( which they openly told me I would be paying for ), so I would fall guilty towards any prosecution immediately.
[ redacted ] stopped and laughed nervously at me and said, well no not exactly there is a lot of legaleses.
I think you know as well I do this is false information.
I worry not only about myself in this circumstance but anyone who may not be financially or legally savvy to catch someone lying about finances or legaleses.
I think she was trying to weave a tale that default meant something different that may have worked on previous accounts. Please stand for justice. I cant imagine Im the only one.
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| 08/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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In the Fall of XXXX, I obtained a loan from OneMain Financial located in XXXX, Alabama for around {$3500.00}. In the process of getting the loan, i set up monthly payment to be withdrawn from my bank account.
I refinanced the loan, at the request of the OneMain Financial reps in XX/XX/XXXX. Things were going great until XXXX XXXX. This is when OneMain Financial quit taking the money out of my account. I never noticed this because it was my account i was using just for them. I was told that they would just take the money out of the account on a regular basis.
I started receiving phone calls from them in late XXXX, about the account.
What worried me is that when the people from the XXXX office would call, they were rude and disrespectful. XXXX from that office called me 5 times within a 3 minute time span. When i finally answered, i explained to her that it was illegal to call me so many times and I could would. XXXX explained to me that she could call me when ever she wanted, how many times she wanted. The people from that office started calling my phone and hanging up in my face when i would answer the phone.
I want my debt dismissed because i have tried paying them but they are relentless.
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| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This complaint concerns a high-Interest loan company. I acquired a secured loan with One Main Financial and paid the loan off early. My first loan with One Main was at 15 %, then I was sent an invitation to apply for additional funds, and the interest rate increased to 18 %. My issue is that I paid off a {$12000.00} loan in a little over a year, and my credit score did not increase, not one point. I am assuming if you don't pay your loan over the life of the loan, which would accumulate a high amount of interest, the company will close your account instead of reporting that the account is paid in full first. When I approached the credit bureaus about correcting the issue, the company stated that the account was " Paid '' and in good standing. Therefore the credit bureau considers the complaint resolved.
Credit reporting aims to show your ability to pay your obligations on time. There should be a rule or law that requires lenders of personal loans to report that an account is " Paid in Full '' for at least 90 days before closing the account, which in some cases can hurt your credit score. If your policy states that there is no penalty for early pay-off ; why not give credit where credit is due?
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| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Please be advise this is not a dispute for charge-off amount, this is a notice that you are furnishing inaccurate information to CRA 's XXXX You ONEMAIN XXXX are reporting a " charge-off '' on my consumer report with the CRA 's XXXX XXXX, XXXX, or XXXX ) which is in fact inaccurate information As Defined by The IRS Even if you didnt receive a form 1099-C, you must report canceled debit as gross income on your tax return.
The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says You ONEMAIN are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information, I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately!
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
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| 10/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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Hi, I have a couple of problems with this company.
The first is that they refuse to remove optional insurance from my account and tell me to call them. I emailed them from my account of record.
The second is that I spoke with a woman at that office a couple of months ago and asked her to stop automatically billing me and she said that she did, but I was charged again this month. They took money out of my account without my permission.
My other issue is that they refuse to send me the policy that allowed them to charge my account without my permission.
They keep telling me to call them and they called me after I asked them not to.
I feel that in addition to refusing to service me and my loan, taking money from my account without permission, and calling me without permission, they are also trying to avoid giving me documents in writing.
When I do speak with them on the phone it seems that they don't do what I ask and they waste a tremendous amount of time on the phone. They're very slow when you get on the phone with them and the calls drag on for a long time with every interaction.
I have additional phone records and emails showing that I canceled automatic payments and requests no calls.
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| 05/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I have a second mortgage that is over 10yrs old the mortgage company I initially signed papers with in XXXX charged off the account after I fell behind on payments in XXXX. However, before I fell behind I requested to refinance the loan an application was taken my home was appraised and the company known as Springleaf Financial who did a name change to Anerican General Financial Services then. The company results of my Refinance application was Denied I was told because I didnt meet Demographics I always felt I was discriminated against but did not know how to fight it .... Fast forward another company XXXX XXXX XXXX have bought the loan and is talking foreclosure. My question is can I fight this loan based on I felt I was discriminated against when I requested to Refi the loan in XXXX for a more Affordable payment and was told I didnt qualify because of Demographics ( What does this disqualification mean ). Although in the same year I refinanced my Primary Loan and it was approved. The second mortgage loan was for {$26000.00} at XXXX monthly. This company who bought the loan after charge off XXXX XXXX XXXX state I owe them {$60000.00}. Is this legal. Thank you in advance for your assistance.
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| 04/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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On XXXX I received an email stating that my payment was going to be deducted from my account on XX/XX/XXXX with my debit card ending in XXXX. On XX/XX/XXXX, due to a lost or stolen debit card, I went into my One Main Account and I cancelled the payment with the old debit card payments ending in XXXX and setup new payments with the new debit card ending in XXXX. One Main canceled all the old payments that were arranged and the new payment with the new card without my authorization on XX/XX/XXXX. Then made an excuse that they had a declined message from the payment method on XX/XX/XXXX, but failed to mention they ran the old debit card, which is a closed account. It was entirely their fault because on XX/XX/XXXX XXXX XXXX XXXX, my bank, approved the transaction to go through on the new payment method or debit card ending in XXXX. One Main explained that they weren't going to pay the fees that I had accumulated for the late or missed payment because it wasn't their fault and insisted to call my bank and have them pay the fees back to me. Clearly they blatantly lied to me at One Main because the bank records at XXXX XXXX XXXX prove differently than their store tells. My facts align with my story.
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made.
I contacted : *XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX *. XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above.
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation.
Thank you for your assistance in this matter, XXXX XXXX
|
| 09/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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ONEMAIN admitted they benefited from my credit card, which damaged my consumer report, and I received nothing. Pursuant to 15 USC 1681n Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. My credit card, which is, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant to 15 USC 1602 ( l ). A deletion is admission. It shouldnt have been on my consumer report in the first place. I didnt give my consent for that. Again, I am seeking monetary relief pursuant to civil liability for willful noncompliance 15 USC 1681n.
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| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Onemain Financial, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
|
| 09/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
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On XX/XX/2021, I contacted OneMain for any payment options in which I thought would not be successful. However, I spoke to XXXX that hurried through a deferment options but needed me to sign the deferment documents. I was trying to read the documents however the process was rushed. XXXX stated all I needed to pay-was {$180.00} and told me to call back once I talk to my son. Usually, when the customer had to pay the deferred payment and sign document. However, I trust everything was ok but the information was different than XXXX told me. I was told for my XX/XX/2021 payment a deferment would be done and all I needed to pay was the XXXX. When I called back to make the payment, XXXX stated I needed to pay the exact of {$180.00}. He could not explain why there was balance of {$35.00} I still needed to pay for XX/XX/XXXX. I told XXXX the documents signed should redone because it does not agree with I was told would happen. He stated XXXX was at lunch and sent him a message to contact me once he return from lunch. I feel when you are handling loans or anything that could affect a customer financial, the process nor the customer should be rushed so they can go to lunch.
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| 11/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward.
I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing.
ONEMAIN XXXX - The late payments on XX/XX/ and XX/XX/XXXX XXXX are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ONEMAINs customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This is a complaint against one main financial and XXXX XXXX. This is regarding onemain financial pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from one main financial ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX saying that I have a new inquiry. I checked my credit report and I noticed that one main financial pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of one main financial from XXXX, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how one main financial accessed my credit information.
|
| 10/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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I used my car title to borrow in XXXX from One Main Financial. This was for XXXX yrs. I recently paid them off ( XX/XX/XXXX ) they posted the check they got, released the XXXXien and sent to Dept of Rev for which I have received a title.
Problem is this : I took out a 2nd lien on my home to pay off my debts thru XXXX XXXX. XXXX sent One Main {$3600.00} which was an overpayment in itself. They have refused to return the excess.
My bal in XXXX was {$3400.00}, I paid {$200.00} early XXXX which was late and should have included a late pymt amt of {$10.00}. I didn't pay the fee because i knew they were getting the payoff check. So, my bal for XXXX should be at least {$3300.00} when the principal and interest was applied.
I was paying ins for just in case I lost my job or was laid off, that was upfront fee.They took the {$3600.00}, charged an extra prin and int ( XXXX before applying the amt they got ) instead of applying the total amount to the bal due.They didn't give back the excess insurance amt but placed an additional charge again in order to use up the XXXX XXXX sent. I called and the mgr. was defensive still have not heard from them from XX/XX/XXXX.
|
| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by ONEMAIN ( XX/XX/2021 ), and I have no recollection of doing any business with ONEMAIN. I contacted ONEMAIN, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my
creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On XX/XX/2020 I settled with One Main FinanceXXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus XXXX XXXX XXXX and XXXX. On XX/XX/2020 XXXX XXXX updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX and XXXX then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my XXXX XXXX score Im this date they reported my One Main account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted XXXX XXXX and One Main Financial. One Main financial advises they reported the correct information and that XXXX XXXX made a mistake. XXXX XXXX has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on XXXX XXXX my scores would of not been effected!!!!!
|
| 07/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
ONEMAIN has engage in unfair behavior and willfully noncompliance with the law. knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to onemain and they did not respond and also I sent the second letter to onemain on XX/XX/2022 and ask the for the second to third time that I request onemain and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how onemain falsify information or took information from my disputes and refurbished as new. Also in my copies you see were onemain has scratch out my name and removed it under the so call signing line these documents are false. The address and account number that onemain report under my social on my credit report is incorrect I did not open this account.
|
| 11/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
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They claim to be a law firm XXXX XXXX XXXX. Called my family in XXXX gave information that I had a claim number to called their attorney at XXXX XXXX XXXX. I live in XXXX so my family called and gave me the info. I called they said they were taking me to court or filing a judgement against me for a breach of contract on a personal loan with one financial loans in 2016. I never applied for a loan with one financial I asked for original note and they said they will send it when they serve me with paperwork in my county XXXX XXXX. They said their address is XXXX XXXX XXXX in XXXX XXXX XXXX. They also hanged up when I started to ask more questions. I did not have credit for a long time until 2 years ago. Divorced, lost job and went thru a lot for almost 15 years. No way I can get a loan in 2016 I had no credit. They say the personal loan is for 3500.00 they can check my bank never had that loan deposit to my bank and never cashed a check for that amount. I called XXXX Bar for attorneys they are not listed. Other similar complaints showing on notes web site by same XXXX firm charging people with not owed debts. Googled phone is registered by XXXX XXXX.
|
| 10/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX has continuously disregarded my attempts to stop them from violating my consumer rights. Pursuant to 15 USC 1692a ( 3 ), I, XXXX XXXX am the consumer.
On the XXXX day of each month, One Main Financial sends me a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer.
On Monday, XX/XX/2021, I sent One Main Financial an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a Bill of Particulars, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.
|
| 10/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I obtained a refinance auto loan with one main financial ( OMF ) in XXXX at $ XXXX at XXXX monthly. Now XXXX years later in XX/XX/XXXX, they are still aggressively trying to collect and repossess the vehicle, even though I have paid roughly $ XXXX or 200 % on the loan. The vehicle due to natural depreciation has little value in comparison to the balance due. The last statement I received in XX/XX/XXXX showed an ending balance of $ XXXX. I spoke to a representative who told me my original loan maturity date was XX/XX/XXXX but it will be another 3 years of payments to resolve this account. I feel like I was defrauded and not made fully aware of the interest & payment application of this loan. I requested a history of my account in XXXX and in review, the majority almost XXXX % of most payments have been applied to interest. I have requested many times to cancel this loan, when the car had value and OMF refused and bartered with a payment arrangement. I don't feel that the balance due is a true and accurate reflection of what I owe and this account should be resolved. OMF is taking advantage of customers and it feels illegal and extremely deceptive.
|
| 11/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I paid them {$6800.00}, they took the money out didnt pay the principal not the the fees, they took the {$2000.00} aside just missing, and they charged me 230 % apr in 1 year, they took 460 % apr within 1.75 years, they deleted my website history payments, I worked when was the lockdown and made every signle paymnet, and recently I found they stole some money out and only put 14 % toward the princial, this is in their balance sheet I had to get through the judge, and the balance sheet number don't add up, it's a hand typed, the calculations dose n't add up, start ending balance shows XXXX, if you calculade XXXXXXXX XXXX is missing out out of my payment, I paid {$6800.00}, they only put 14 % toward the principal within 1.75 year, like 8-9 %, they forged this sheed asking me I have to pay XXXX XXXX, yearly intrest of 230 %, and so on, but they are taking the money out and didn't put more than 10 % towards the princial, they are soo rude they have this delivered to the judge it's a forgery document ( hand put together ), and 230 % apr and 9 % towards my princial its ilegal, florida statues XXXX XXXX for 18 % max not 230 % apr and money stolen out
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me XXXX for credit. but next day there it was on my report.
So I called the XXXX ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly..
anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was.
guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters..
I'll will litigate in court and believe me .... will be stressful for all parties involved ....
please and thanks ....
|
| 07/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I had Involuntary Unemployment insurance was approved 10 months XXXX ( my monthly payment ) claim form sent every month with GDOL print out of claims and date paid as proof of unemployment emailed every month ( can prove it ). Onemain Financial owns the XXXX XXXX who policy was underwritten with. They paid claim once every 2-3 months causing more interest less principal and payments I had to make in between cause they were late were kept as interest ( XXXX ) no principal and it was their fault conveniently owning both company 's is a conflict of interest. I have all the paper work emails the statements. When confronted with their scam they refused to fix this and this was during covid 19 and reason for my job loss. They are charging me 35 % interest on this loan, the credit insurance and 1099 me for the late payments that went to their interest bearing loan only for all the money they paid on claim. So not only did they make money on insurance payments, the premium I paid for insurance, I had to also pay taxes on it. They have had 706 complaints most during covid 19 and continue with bad business practices and stealing money from consumers.
|
| 05/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Searching for a bank line of credit in XXXX the site referred me over to One Main Financial, after filling out the information I was informed One Main was not a bank and that the numbers quoted were incorrect. I was not aware of what or who they were because they seem to conceal that they are a title loan company, After talking to them and realizing this was not what was advertised I requested that they remove the hard pull being that it was done by misleading me into believing they were an actual bank with credit cards and lines of credit. I was told by them I'd have to file a complaint with the credit bureau.
I then asked if they actually do title loans for {$9500.00} as that is the amount they claimed to be able to loan or extend and they said no, they only do title loans for {$1500.00}, which again is not what was stated by lending club or them, this was all revealed after the hard pull, so they said one thing and are doing something entirely different.
When I asked about the {$220.00} a month for {$9500.00}, and 13 % apr, they said no its $ 34 %, the whole thing was designed to lure in people who are not asking the right questions.
|
| 02/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX XXXX XXXX committing intentional identity fraud without thoroughly investigating. I received a Credit File Notice for someone who is not me and is using my information for a personal unsecured loan that I closed and paid in full without no late payments. The XXXX 's name is XXXX XXXX XXXX, phone # XXXX. I do not know this person at all. This lady is fraudulently claiming and using my U.S. po box that I am paying for on a monthly basis and I have proven documents to show that the po box belongs to me- XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is a fraudster who is trying to steal my identity behind the scenes claiming that my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX belongs to her. XXXX did not thoroughly conduct an investigation and have listed my po box information on the above fraudster 's XXXX profile. I am going to file charges against XXXX XXXX XXXX XXXX and the bureau for intentionally allowing this thief to use my po box information without getting legitimate proof. I would like to file a complaint against XXXX. I have a monthly subscription with XXXX to prevent this issue from happening with Credit Monitoring. I am very upset!
|
| 06/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
To whom it may concern My name is XXXX XXXX, in XXXX I got a loan with one main financial for a use card XXXX XXXX XXXX, the loan initiate with a balance of {$8300.00}, when I got the loan the agent offered me to put a XXXX insurance during the term just in case something happen, but I was my first time to get loan, i dont know about the insurance and I accepted it, they charge me a interest 35.31 % for the loan, so the duration of the loan is for 60 months, I will have to pay {$17000.00} for a use Car. Last week I called the insurance company and canceled the insurance they give me a refund for {$950.00} and I asked them to applied this amount into the principal balance, and then I already paid {$390.00} to the principal that give me a total of {$1300.00} I paid to the principal balance I suppose to owe {$6900.00} base in my calculations it supposed to be less they put on my balance {$7000.00}, I called then to fixed the principal they dont wan na do that, In this difficult time I cant give them my money I work hard to pay my bills they suppose to make the adjustments on my balance.
Please I need help to fixed that issue with one main.
|
| 09/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I took a loan and paid it in full. Last payment was {$1000.00}. By error that closeout payment was sent to them twice. The 1st payment was paid for, the 2nd was not as I didnt have money to pay that amount again. They charged me {$25.00} fee for the 2nd payment, they knew they had no right to get as this loan was paid in full with my initial payment. I asked them to send info on this but they do not. They only choose to talk on the phone. They knew that 2nd debit was sent in. error, they they know the 1st payment sent paid off this debt. Also I get different stories from their staff they try to justify charing me money I don't owe. I just want to close out this account and never deal with this shady place again. Below shows my payments how on XX/XX/XXXX they received full amount they advised was my pauypuy amount to pay this loan in full. I paid {$25.00} fee as that 2nd payment was sent to them in error.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX For years I try to work With one main financial.. I've been paying them for years. my balance seems to be the same. That no matter how much I pay the balance does not seem to go down. I am paying high intrest rate. I use my old car as collateral and they will not even allow me to sell it. I'm paying for insurance on the vehicle, That i'm not even using. Plus I have to pay for registration.
I spoke to one main financial multiple times to help me. I was given the run around.
Here 's a little of my back story. In the last few years my wife became ill. She was already hospitalized and in the hospital multiple times this year alone. I started to struggle to pay my Bills, Due to the Overwhelming medical expenses. There was also hours that was missed from work., That cut out parts of our income. There was income loss hours. At this point I need to focus more on my wife And getting her better. I need this company to work with me. To also understand the struggles I am going through. To at least have a heart and understand This situation. I need this company To work with me and not against me.
|
| 11/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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Multiple TILA violations ; failure to provide full material disclosure as required by Truth In Lending ; denial & refusal for Consumer Law Right to Rescind - 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) XXXX ( 3 ) ( i ) There was a Violation of Contract Law resulting in Contract fraud due to lack of providing full material disclosure as required by the TILA ( Consumer Credit Protection Act ) therefore there is a Billing Error that needs Resolution ( 12 CFR XXXX ) PURSUANT TO 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. Originally requested on XXXX has still not been provided.
As a result of your failure to provide me with the full accounting details, this agreement is considered fraud in the factum. 15 U.S. Code 1692e - False or misleading representations XXXX XXXX charge. ( b ) Examples of finance charges. The finance charge includes the following types of charges ... ( XXXX ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. You violated Regulation Z by not including the sum of all charges in the Finance Charge
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| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
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Web |
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XXXX XXXXXXXX XXXX XXXX by One Main Financial collects an image of a clients social security card, drivers license, and bank statements at the time of application. They site these items are collected for identification and address verification. I was immediately approved and within a couple days received an email telling me my card has shipped. My address for the card that reflected on their mobile application correctly in full. A month from the time of approval I contacted them to inquire on my card. I was then informed my unit number was missing and I would have to submit an email with more address verification ( another bank statement ) to have my unit number added. I asked why they couldnt reference the statement I had provided, or the image of my drivers license with the correct address, or XXXX XXXX which has the full address. No clear answer was provided. I was told I had to email their back office team my bank statement and it would be another XXXX business days a minimal to receive my card. This seems unfair given all the information I provided can not be referenced but this credit card it already reporting on my credit.
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| 10/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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Recently, I was denied an extension of credit by OneMain Financial for a personal loan on XXXX XXXX ( 12 CFR 1002.7 ). I received a phone call from OneMain Financial and was told that in order to move forward with loan process documents needed to be uploaded and income verified using OneMain Financial provide process via www.onemainfinancial.com. It was not until my credit report was used ( resulting in an a credit inquire ) that I was informed that the bank where I received my direct deposit into is not an institution on the list of banks that OneMain Financial verification platform recognized was as if this information was disclosed before hand I would not have conducted business with OneMain Financial. Then after I was told there was no more they could do. All in good faith the application for a line of credit for {$7500.00} was completed and fulfilled by I, the applicant with no funds or goods in return. In which is in clear violation of ( 15 U.S Code 1681N ( b ). Although I was notified of the denial, I was not properly issued written notice explaining determination of denial not in compliance per 15 USC 1681b ( b ) ( 4 ).
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| 06/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
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Web |
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I lost my job on XX/XX/XXXX I took out the protection in the event that I would not be able to make payments. I contacted the office and told them this I was told to call back in 30 days I did they told me that I have to be collecting unemployment for it to work. I did file for unemployment it got denied I am in the process of an appeal I have over XXXX applications in. They have been calling me over and over it was to the point that I had to block them. I received a phone call this morning at XXXX it seems like a personal phone number. I have called in the office several times to let them know that I dont have an income and I havent found a job. XXXX told me that they can call up to 5 times a day. I called them on XX/XX/XXXX they called me two times on XX/XX/XXXX again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 times on XX/XX/XXXX XX/XX/XXXX I spoke to them called back on XX/XX/XXXX twice spoke to them called 3 times on XXXX thats when I blocked the number XXXXm not happy about not able to make my payments and being with our a job I am behind on everything this is the first time that I have been without a job in over XXXX years
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| 04/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
Servicemember |
|
I am unsure if this is the appropriate venue for this but I am a 100 % XXXX veteran trying to refinance a loan with One Main Financial and have been a customer for several years and refinanced in the past going from Secured to Unsecured. I get confused easily due to the brain damage from a XXXX blast and the financial advisor XXXX XXXX ) ( spelling incorrect ) showed in my opinion a discriminitory attitude towards me from the beginning eventually resulting in her hanging up on me during the process of giving her verbally my bank account and routing info. During these COVID times when we are discourged from going to businesses having someone who is supposed to walk us thru treat me so harshly and unjustly when I explained from the beginning of my special needs makes me scared to do business. Her superviser, XXXX XXXX? spelling ) helped me this morning with a problem XXXX could not yeaterday. Her unwillingness to be patient with someone with special needs is unacceptable and I am unsure of what agency can handle this. I am seeking guidance with how or who to make a formal complaint to. Thank you in advance for your assitance.
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| 12/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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I took a loan from this company a couple of years ago.
Since XXXX, 2020, I have done everything I could possible do to pay off balance on this account and close out my account with this company.
But they have continue to use clearly fraudulent and unethical business practices to waste my time and destroy my credit, just for a few dollars.
In XXXX, 2020, I went into my account, paid off the stated account balance of {$74.00} so I dont have to deal with this company anymore.
The following month, I realized they had posted on my credit bureaus that I still owe about {$18.00} ( after I had paid of the " pay off balance '' they had on my account ) ..
I check my online account, and saw the {$18.00}, once again showing as my final balance. Just for peace to prevail, I went in and paid off that {$18.00} balance.
Right now, as at XXXX, they have recorded {$1.00} on my account balance as remaining balance. And still reporting to my credit that I havent made payment since XXXX.
This is so unethical. They are destroying my credit and frustrating my life. They still keep sending me offers to get another loan with them.
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| 06/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
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Web |
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False advertisement of loan, was approved for an unsecured loan of {$10000.00} and later was switched to a secured loan after pulling my credit and dropping my score. Was called at all hours of the day and night including as early as XXXX and the company used very misleading, misguiding and aggressive sales tactics. After informing a representative of OneMain Financial at the XXXX XXXX, MN location, I was not interested in the loan, I was called broke, was told I have bad credit and I do not own a vehicle because it doesnt show up on my credit report. A vehicle that was never financed or lease does not show up on a credit report. Also, They pulled a XXXX score of nearly XXXX and I sent income verification of making {$250000.00} a year. After declining the loan and being called inappropriate, unprofessional terms, the representative of the company laughed at me and hung up on me mid-sentence. Then proceeded to call my place of employment and hang up when someone would answer, they did this numerous amounts of times and would not answer the phone when calling back. This company is unprofessional, rude and is harassing me.
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| 07/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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In all of 2021 I got marketing advertisement mails from one main financial local office where I live. I ignored it until I found out they made an unsolicitied inquiry on my XXXX credit report on : XX/XX/2021 & XX/XX/2021 one main financial po box XXXX XXXX, ID XXXX XXXX I contacted them to ask where they got my personal information and why did they run an inquiry on my XXXX report. They told me that the only way they run an inquiry on credit report is when someone applies for a loan. I told them that I did not apply for a loan. They transferred me to the fraud department. The fraud department mailed me an affidavit to fax them. This affidavit does not reference the specific online account opening and inquiry with my credit report. I do not wish to provide any of my personal information to one main financial because Identity Theft & Fraud has already occurred and they have failed to stop sending marketing mail to me at my home after I requested & reported numerous opt outs. I was informed that the only way they would show up on my credit report inquiry is if I filled out a loan application with them which I never did.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I was looking for a loan to pay off credit card debt. I was very careful about only selecting websites that didn't pull a hard credit inquiry. ( I checked with about XXXX ) I received a call immediately from One main Financial, while I was still on their web page. The guy named XXXX went over some information and stated that he could help me but I had to email him my pay stubs and a copy of my driver 's license to complete the application. I asked if there was a hard inquiry and he stated " no, there is not a hard inquiry until you verify your identity and income. " I said I would have to think it through before I made a decision. Later on that evening I was alerted to a hard inquiry. Upon calling the company, another employee answered my call and said that XXXX was unavailable, he would call me Monday. That guy was nasty to me on the phone. Today, XX/XX/23 I received a call from XXXX. He was also nasty to me on the phone and said that " you should have read the fine print before filling out any information. " Of XXXX companies, they are the only XXXX who advertise no hard credit inquiry but went and did so anyway.
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| 09/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the relentless harassment and abusive debt collection practices employed by One Main Financial. My objective in filing this complaint is to seek assistance from the CFPB in resolving this issue and ultimately requesting the waiver of the debt owed to One Main Financial due to the severe emotional distress and harm caused by their actions.
To provide context for my complaint, I wish to outline the abusive practices and harassment I have endured at the hands of One Main Financial : Excessive and Unrelenting Contact : Representatives from One Main Financial have been incessantly calling, texting, and emailing me at all hours of the day, including weekends and holidays, with a frequency that is far beyond reasonable. These calls have disrupted my daily life and caused significant stress and XXXX.
Violation of Fair Debt Collection Practices : I firmly believe that [ Creditor Name ] has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) through their abusive and unethical collection tactics.
|
| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom it may concern, On XX/XX/2021, I received a telemarketing call offering credit repair services, the person on the line asked me basic question, then asked me to please hold for a specialist. In doing so that person never disconnected from the call while I was providing to the Specialist from XXXX XXXX XXXX.
Shortly after, on XX/XX/2021 my XXXX XXXX Checking Account was charged for XXXX dollars for several items of make-up.
Also, on XX/XX/2021 my XXXX account was accessed without my consent. Upon my reviewing the XXXX account had fraudulent purchases. I reported this issue which was resolved.
As of current I reviewed my credit report and noticed that during the same time frames there were several fraudulent inquiries : * One Main Financial XX/XX/2021 * One Main Financial XX/XX/2021 * XXXX/XXXX XX/XX/2021 * XXXX/XXXX XXXX XX/XX/2021 I am requesting that all these Fraudulent inquiries be moved from my credit report immediately from all Personal Credit Reporting agencies specifically XXXX, XXXX & XXXX.
Please send me any communication on this matter directly to my email below.
Thank you in advance
|
| 10/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I applied for a personal loan with one main financial. I applied through XXXX XXXX it stated I was approved for a loan amount up to {$4000.00} dollars. So I finished the application online and was called the next day stating I was pre-approved and that the final approval would be after the income was verified. But what stood out is they was telling me based on my hours of employment, SSI payments and vehicles collateral I could get a personal loan for {$15000.00} dollars. The SSI payment was off by {$200.00} and I assured the company I could prove the money will be reapplied in less than a week but the company said no they couldnt use it then my job had only given me part-time hours even doe they was able to call and verify that I was a full-time worker. So end result was I didnt qualify for any loan but they did a hard inquiry and knocked 61 points off my credit for a loan I wasnt approved for. This isnt fair because its the second time this year that the same company denied me of a personal loan even after I have a clear title of a XXXX XXXX XXXX and income.I feel I was discriminated against by the company.
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The manager or an employee at One Main Financial approached me with an offer to postpone my payment. I agreed, paid a fee for the extension, and was granted - as the manager ( XXXX ) at One Main stated a postponement.
Although OneMain skipped the month, unbeknownst to me, One Main also reported the skipped payment as past due to the credit bureaus and increased their fees on the account. Consequently, it intentionally harmed my credit score.
Other One Main borrowers I know reported the same duplicitous scam by One Main, which appears to be an attempt to limit people in this class to continue borrowing from One Main since they won't have a good credit score to go somewhere else.
Over the past five years, I've never missed any payments on my cars, credit cards, student loans, or other personal loans. The only item showing missed is the scam payment extension by One Main. After refinancing the loan in 2021 with One Main, I haven't missed any payments. Still, they continue to incorrectly report a missed payments making it costly to purchase a home. There is a whole class of borrowers impacted by this scam.
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed 3 times on my file with inaccurate payment status. There are late pays on the same account 3 times on top of it listed the exact same 3 times. The account XXXX XXXX # XXXX and XXXX XXXX # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that ONEMAIN # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give XXXX, XXXX, or XXXX permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.
|
| 11/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
OK I applied for {$3000.00} loan and the bank said on their website that I was preapproved and for the {$3000.00} cash loan and then they ran a hard inquiry. I looked through all the information that they offered and it was just the cash and if I got approved, it would just be the cash when they made the offer they made only one offer that they would take over my car payment which I owed {$9000.00} on {$300.00} a month at XXXX XXXX interest and then, it would go from owing {$9000.00} to owing {$15000.00} and paying {$500.00} at XXXX XXXX interest which is Id never asked for my car to be touched and it doesnt say anything on the {$3000.00} loan that they could touch it, so they are trying to strong army and pretty much since I am about The inquiry on my credit score if I dont take this alone Im not gon na get the house that Im supposed to get in XXXX and its not that they know that and they dont theyre not I dont have no debt I make {$4000.00} a month and Im trying to help my credit score instead of that and said that theyre turning my car against me for no reason I never asked for my car to get put up
|
| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
The company practice deceptive sales practices along with payments to harm consumers like me. The loan date of service is XX/XX/XXXX. The total amount received was {$2900.00}, the enormous amount of finance charges was {$10000.00} and the total finance charges were {$7700.00}. The total amount due is {$18.00}, XXXX for 53 months. This is never ending. It increases every month. along with the ADD ONS AND XXXX XXXX XXXX XXXX XXXX XXXX
The other started in XX/XX/XXXX for {$15000.00}, amount financed {$8700.00}, finance charge {$6400.00} cash received {$3700.00} for 36 months.
Then the last started on XX/XX/XXXX for amount financed {$8.00}, XXXX. The amount of cash received is {$490.00}. The amount financed is {$9000.00} for 60 months, At some point this has expired and something is paid in full, I have never received the amounts on these loans. The loan continues to reflect a deceptive sales practice and payments that are harmful to me. The payments are increasing constantly. Please assist me with retrieving all moneys due and if what I received from this company is paid in full. Please let me know.
|
| 06/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2022 I submitted a complaint through the CFPB to which the company OneMain responded to on XX/XX/2022 stating : In your complaint, you state that your account was settled in exchange for the deletion of the negative account from your credit report, but the account is still reporting and harming your credit. As an initial matter, please note that OneMain has no record that you have accepted any settlement, nor has it received any settlement payments. OneMain respectfully declines to request removal of the OneMain account reporting to your credit file.
I've attached a screenshot from my current credit reports from all XXXX credit bureaus showing that the account is reporting as Settled/Payment after charge-off so why exactly is your records not reflecting said information which the credit bureaus clearly got from your company? This is a serious violation of my rights under the FCRA since the information being reported against me is neither fair nor accurate. If this gross negligence of my rights continue, I am prepared to file a lawsuit and seek compensation for the damages I have incurred.
|
| 06/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I applied for a loan online, and received a call from a rep of One Main in XXXX, VA. He told me that I qualified for a {$15000.00} loan and only needed a few items of documentation. I sent the items, he told me that I was approved. I called my current finance company to tell them that I was paying off the loan only to get an additional call from One Main telling me AFTER they told me that I was approved, that they could not offer me the loan after all because their computer program denied me. That's put me at an inconvenience and also, my current company thinks that I told them a falsehood. My complaint is that this company promises what they can not deliver. They bait and switch. They promise that they have you approved, then they switch their minds. When i told them of my disgust, they said that they were sorry for the miscommunication. It was not miscommunication. I told them of my credit problems up front and was promised that I had a loan only to find out at the very end that they could not perform. They have vital info of mine, and should not have that knowing that they could not do the loan.
|
| 11/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I want to say bout XX/XX/XXXX, I was going to payoff the loan and they told me I'd have to pay all the interest when if a loan is paid off your not obligated to pay these charges. Mind u I just got income tax and had more then enough to cover it. The guy got an attitude with me and tried to belittle me and I do have a XXXX. Then they proceeded to keep calling me harassing me after I answered and said have an fluient american speaking cause I can't understand other languages or dialects. So I told them they not allowed to call me and I still got calls from the ppl I didn't understand with voicemails for proof. I sent them a demand letter and it got to headquarters and then got even more negligent. The lady calls me i called her leaving numerous voicemails on her company call center and still nothing. Then when I do get ahold of them because I wouldn't give one piece of info they gave me a cease and desist letter. Sorry but I'm suing if your not helping with this flat out breach on many fronts. My credit dropped so bad from it unreal I can't get nothing from these cons. This isn't a company at all.
|
| 10/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Original loan was from 2004. I got a loan from XXXX for around XXXX an some change. The total payments was around XXXX over 15 years, for XXXX loan. So fast forward 15 years, actually 16 years and 11 months. According to One Main, the third company to own my note since 2004, tells me that I missed 14 payments, which is XXXX in payments, but have been paying on this account for an extra 23 months, which is XXXX. So I really don't understand the math system they are using, but I believe I overpaid XXXX. They are telling me I owe for Deferred Interest, which was never disclosed to me at anytime they was " helping me '' when I was having a financial problems. One Main will not close the account, reporting negative credit on my credit report. Now I have recently proved how they process payments, in which makes cense why I showing 14 payments pastdue. I made two payments in XXXX, for XXXX and XXXX. Two different transactions. Shows on my credit 30 day pastdue in XXXX and no payment made for XXXX. After this, I refuse to make any more payments on this leech account. My contract was XXXX, not One Main.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ).
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXOne Main Financial acct # XXXX.
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 01/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have been making payments to this account and have been marked late twice on this account even though it was paid before the 30 days late due to COVID.
Each month the bill is XXXX and it is due on the first of each month..
I had to stop automatic deductions due to Covid and noy receiving a paycheck in the summer.
One Main would take funds out of the account and rather have it apply to the past due amount, the payment would apply to the current amount. This action causes me to be late on the past due amount as well as cause me to incur late fees. One Main 's website gives an option to apply funds to the past due amount but it does not apply it correctly which causes me to get a late payment on my credit report.
I have disputed this several times on my credit and have reached out to One Main once in regards to this. I should not be marked late nor do I want to redo this loan, which is what One Main has offered. I do not want this costly form of credit. I just want to pay it off.
I want my credit report updated and the lates removed. I feel that this is a deceptive practice from One Main.
|
| 07/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I was expecting to pay off my loan today that was quoted to me on XX/XX/12 that my payoff was XXXX. And a XXXX XXXX To day when I called 2 days later. I was being charged {$300.00} more than quoted previously. Due to finance charges- I was not quoted finance charges when I asked for my pay off amount 2 days ago. I asked to have them reversed so I can be done with the loan and the rep XXXX said no its a financial charge. I find this to be a shady practice as I was given my pay off 2 days ago not expecting another {$300.00} to be tacked on. If I was give a payoff price I should have had that be done with my loan not extended by XXXX. I want to dispute this charge as XXXX then quotes to me that the payoff would be {$310.00} on Monday! Seriously! How does that work if they added {$300.00} in 2 days and then the next 2 days they will be adding only {$11.00}? No! Please reverse all charges as I have payd them completely off as of today. All funds were paid in full as quoted by previous staff and the original life of the loan included late fees. Junk financial charges should be removed please
|
| 07/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
One main Financial mailed us a flier saying we are prequalified for a personal unsecured loan I applied last week online and approved for the loan after submitting all the documents such as Tax return ID, bank statements etc. The locallocation manager requested me to come to her office and bring the titale of our prius car so they can give us {$20000.00} and lower interest rate. She called several times and said please bring the car title and drivers licence.
I requested do not ask me to come if I can not get the loan, she said everything is reviewed and loan is ready to be deposited into our checking account. First i went annd then my wife.
Nect day morning she called and told me something about our income qualification, not sure what it is.
Me and my wife both had to leave the job to go to her and we each lost {$280.00}. The manager at the location could be a XXXX woman and denied us the loan. Am seeking compensation of {$560.00} for both of us for making us loose our paayment. I called their corporate office and they said someone will caa me back, never heard from them again.
|
| 07/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT. THIS MATTER REMAINS UNRESOLVED One Main financial continues to report inaccuracies on my credit report which is a direct violation of the Fair Credit Reporting act. One Main has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A, section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681XXXX XXXX XXXX XXXX XXXX XXXX ) states no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681XXXX XXXX XXXX XXXX ( XXXX ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666b A creditor may not treat a payment on an open end consumer credit plan as late for any purpose
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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ONEMAIN Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe.
I am instructing you not to contact me any further in connection with this debt.
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.
Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately.
Enclosed will be a copy of my police report pertaining to the item supporting my position.
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| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have never opened and or signed for the note loan under the account number in question with ONEMAIN that is being reported on XXXX and XXXX When notifying ONEMAIN of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, XXXX and XXXX.
I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while XXXX and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion.
In the month of XXXX ONEMAIN reported to XXXX and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified ONEMAIN, XXXX and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting.
ONEMAIN, XXXX and XXXX continue to report this account with a balance of {$0.00}.
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| 11/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I applied for a credit card that stated XXXX annual fees. Two weeks after receiving the card, I went to make the online payment and notice there was a {$65.00} Annual fee charge. I call Customer Service and informed them that the only reason I applied for this particular card is because it stated XXXX annual fees. The person I spoke with informed me that the only way to waive the annual fee is to close the credit card. I requested that he close the card and I will pay the balance minus the annual that he agreed to waive. I paid the {$250.00} and requested to waive the fee. After several transfers they informed me that they could not waive the annual fee sense I already used the card and the credit card is now close. I stated if I have to pay this annual fee then reopen the card! They stated unfortunately we can not do that! I informed them that the only reason I close the account is because they agreed to waive the annual fee. A supervisor got on the phone and said they will use my situation for better training purposes, however there is no way they can waive the annual charge.
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| 09/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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In XX/XX/2019, I was not in the right mental state and, subsequently, was admitted to a mental health facility. It was during this time that I obtained the loan from OneMain Financial. I was advised by a representative from your company that obtaining this loan would help build my credit. However, I was also coerced into purchasing additional insurance as a precautionary measure.
As a result of the XXXX XXXX I faced significant challenges in paying off the loan, as I was unable to work due to my mental health condition. I was informed that I needed to be collecting unemployment to qualify for the insurance coverage that would assist in paying the monthly bill. This placed me in a precarious financial situation, compounded by the fact that I was also undergoing outpatient treatment for my mental health.
It has come to my attention that the CFPB has issued an order against OneMain Financial for deceptive sales practices and failure to refund interest charges to customers. This order highlights the unethical practices that were employed during my interaction with your company.
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| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Older American |
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I have a loan on a car I purchased with a loan from One Main Financial. I took out a {$500.00} loan after this. They said it was XXXX of XXXX. I don't recall the exact time but thought it was longer ago. I have a XXXX XXXX XXXX. The engine died and I called them for a pay-off amount and they told me it was XXXX dollars. The car cost {$5000.00}. I ended with a loan of about {$8000.00} XXXX or XXXX years ago. Now they tell me that because I took out a measly {$500.00}. loan it was a total refinance of the entire loan. They said it became a {$10000.00} loan. I would never have agreed to this if I had understood what was happening. I am not stupid and I believe they pulled a fast one on me and used deceptive practices for the refinancing. I had to purchase another car and could not include the money I still owed on the XXXX, so now I will be paying on XXXX cars and one doesn't even run. I can't afford both payments. Is it legal to finance the interest that is being paid on a loan? I want to resolve this without going to a lawyer but I will if I have to in order to get satisfaction.
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| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am beyond flabbergasted by One Main Financial /Spring Leaf Financial. I had a debt with them that went to collections. Once reported on my credit report I made arrangements to settle the debt for about XXXX. Once I did that I was told it would be updAted with the credit bureau within 30 days. Ive had 10 conversations with one main and now 40 days later they have only updated that I still owe a balance of {$860.00} which is a lie. What is the point of settling a debt when they dont uphold their end of the deal. I spoke with their litigation department and a supervisor many time and still nothing. I was provided a letter stating the balance was {$0.00} two weeks ago and still nothing reported. I had my lender submit a request to the bureau as I need this updated prior to closing on a home loan and still nothing. This is insane at this point. I was just told today it should update XX/XX/XXXX when they do reporting. That will make it 60 + days which is not what was told to me from the beginning. At this point XXXX dont know what to do and this company is giving me the runaround.
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| 11/06/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Went to check credit report in hopes to buy a home and noticed One Main on credit file. Called company One Main Financial because I recently received a notice of garnishment. I was a cosigner on loan. I noticed on my credit as well as the actual borrowers credit report the debt shows as a charge off and written off for {$6600.00}, which says updated in XXXX of XXXX. It also shows updated balance of {$7400.00} as of XXXX XXXX. When stated to rep she said it was not. It was said back to her, " Why are you guys reporting this in this way on credit report? All I want is the XXXX that should have been sent. '' She stated it was not available because it wasn't actually written off. I said so you lied on top of trying to collect it from the borrower and myself? She then stated I need to speak with XXXX and she wasn't the best to ask about this. The XXXX I had to look for on court docs because she gave wrong number. Called XXXX XXXX on XX/XX/XXXX. I tried calling lawyer office after with no answer. This all concerns me because I feel they a lying and misleading with no clear answers.
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| 07/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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As of XX/XX/XXXX I contracted a loan with One Main Financial Company in addition to the loan I was offered an additional product - Involuntary Unemployment Insurance I agreed to additionally protect my future payments against involuntary unemployment. As of XX/XX/XXXX I was unfortunately laid off by my company. I wanted to utilize my insurance but I was denied my claim from insurance company. XXXX XXXX XXXX through One Main Financial informed me that I am not eligible for this coverage. They pointed out I should have been insured as of XX/XX/XXXX ( a year before I contracted a loan to be eligible ). An agent of One Main Financial, who sold me the loan and this faulty insurance product, did not inform me about this alleged provision. I consider the whole situation as deeply unfair and I feel deceived by the One Main Financial and the XXXX XXXX XXXX. I was paying insurance premiums throughout my whole employment period hoping that in case anything happens to my employment I will be able to utilize the insurance policy and insurance company will take over installment payments.
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| 06/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
Older American |
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I went to One Main Financial to get a personal loan for {$5000.00} instead I received a check for {$4900.00}. During the process there was an agreement of two and a half years to paid the loan back. After signing the loan, the sale person came back stating that she had to make sure that everything is correct. At that time I did not know that changes were made on the contract.
On XX/XX/2021, I called One Main requesting to pay off the loan. I was told that they will send out a letter with he payoff amount. I never received a letter giving me that payoff amount. I called One Main from XXXXXXXX XXXX thru XXXXXXXX XXXX but never re an response.
On XX/XX/2021, I stop the automatic withdrawal. Around XXXXXXXX XXXX One Main start calling with collection calls until XXXX XXXX, One Main stooled my car from my driveway at XXXX in the morning.. At that time I did not know it was One Main, I thought it was stealing a part from my XXXX XXXX. I did not know One Main Financial was Springleaf Financial I never would have gotten the loan due to my bad experience with them in the past.
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| 11/14/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Hello. I have a debt I am currently paying on with One Main Financial in XXXX, Louisiana XXXX. I owe the debt and right now my account is behind. My problem is One Main calls me daily at least 8 times. That is overkill. It's not from the XXXX branch only, but multiple other companies associated with them throughout the day. My cell phone constantly rings at my job which I have been in my supervisor 's office about because of the multiple phone calls a day. They start at XXXX and ends sometimes after XXXX CST. I know I have a debt but at some times this is harassment to me. It is NOT necessary to contact me more than once a day. Last week ( XXXX XXXX XXXX ) I was contacted by them 15 times. My supervisor witnessed this and encouraged me to contact the proper authorities to report because she worked in financial institutes prior to working at my job. She even stated the phone calls were overkill and against the law for One Main to harass me. I would like for the multiple phone calls a day to STOP. I am considering hiring a lawyer if I can not get this matter resolved soon.
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| 12/30/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XXXX XXXX of XXXX, OneMain Financial sued me in XXXX XXXX Alabama. The plaintiff 's lawyer, XXXX XXXX and XXXX claimed that I owed {$13000.00} on an original {$10000.00} loan that I had become late on and was making partial payments monthly. During that hearing, a consent judgement was completed in the amount of {$7300.00}. This motion is based upon the Defendant ( me ) admitting owing the Plaintiff ( OneMain ) the amount claimed. Defendant agreed to pay {$1700.00} on XX/XX/XXXX and 16 monthly payments of {$320.00}, with one final payment of {$360.00} until the balance is paid in full. Payments were due by the XXXX of each month. Plaintiff agrees to delay execution as long as Defendant pays as agreed.
In XXXX of XXXX, I completed the payments in full. Yesterday XXXX XX/XX/XXXX, a process of Garnishment arrived to claim an additional {$7000.00} from my employer.
I am considering making formal complaints to the XXXX XXXX court about OneMain and XXXX XXXX and also want consumers to know that this company OneMain Financial does not keep agreements, in or out of court.
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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According to my most recent credit report, ONEMAIN is currently reporting to XXXX that I applied for credit/loan with their organization on XX/XX/XXXX. I did not grant you authorization to review my credit report, nor did I apply for credit or a loan. This will be the XXXX time, I have reached out to you to inform you of this. I reached out via us mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NOW ON XX/XX/XXXX. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from XXXX credit bureau. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
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| 03/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I went through XXXX XXXX and clicked on a loan offer from XXXX. A credit inquiry was obtained by XXXX, I received notice of an inquiry from XXXX. The issue is, an application was not opened for me and I did not get a adverse action letter either. I called XXXX for assistance and they advised me I'd have to do another application through them and have another inquiry hit my credit report. They have no record of my application or inquiry and suggested that it was completed by XXXX XXXX. Every inquiry will hurt my score and it's likely that my score would be lower after a second pull, which would result in a higher interest rate. I was told by XXXX I would need to dispute the pull by mail or fax or talk to XXXX XXXX to remedy the issue. I don't understand why XXXX would work with XXXX XXXX to bait people in but then take no responsibility if an error like this occurs. I've worked too hard on building my score to let it tumble due to their or XXXX XXXX 's negligence. Now even going through another company, my rates will not be as competitive as they were before due to this.
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| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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There are two hard inquiries on my credit report from the same company that I did not authorize. The company is Onemain. The date of the inquiries are listed as : XX/XX/2019 and XX/XX/2019. I have NEVER done business with this company, nor have I authorized any type of credit check. I've contacted both Onemain and XXXX directly, to no avail. Neither of these agencies can show proof that I have ever done business with Onemain, yet for the last year has listed the inquiries on my credit file. XXXX has the audacity to put the burden of proof on me by requesting that I investigate my own claim, in an effort to prove " fraud '' ( get a police report, have Onemain submit a " removal request '', etc. ). This is ridiculous! Shouldn't XXXX be the ones conducting the investigation and having Onemain provide the burden of proof? This is a blatant violation of my rights under the Fair Credit Reporting Act. Hard inquiries have an adverse affect on your credit and score ... this erroneous reporting has had a severe negative impact on me and I'd like the items removed immediately!
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| 06/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXXXXXX XXXX
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consume report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONE MAIN XXXX XXXX XXXX XXXX XXXX
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| 06/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 05/22/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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OneMain financial debited my bank account for {$310.00} on XX/XX/XXXX for a debt I owe when authorization to do so had been revoked back in XX/XX/XXXX. I was laid off last year and could no longer afford this debt, so I discussed with the local branch who agreed to cancel my auto pay. I had credit insurance which was paying this bill until I couldn't prove my unemployment any more because of fraud on my state benefits by a third party. They put me in collections in XXXX even though explained still not working and 3 months later debited my account without permission. When I contacted them, the rep said he saw notes from XXXX even illuminating that they would pay for a stop pay fee back then due to the error. He agreed to refund the money but subsequently hung up on me. When I called back and got the same rep on the phone, he claimed was an accident and that he could not get any of his 5 supervisors on the phone to return my money. Again, they debited my account without permission as I had revoked that access back in XX/XX/XXXX and admitted that he saw that.
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| 05/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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A {$5000.00} alleged loan issued by ONEMAIN FINANCIAL with the title of an automobile being used for what was believed to be collateral showed a balance of {$10000.00} and some cents at one point. Three different Insurances were also included and when a claim due to unemployment was denied is when the other two were brought to notice. The unemployment insurance was explained to be included in case of such misfortune which is what happened but the insurance denied because XXXX contractors aren't covered which was not disclosed which is deceptive. Also not to mention the other two unknown insurances. Once they were canceled. The balance then showed {$7700.00} with a past due payment of {$210.00}. I do agree that one should pay back what they owe if the agreement was fully disclosed, there was equal consideration, the terms and conditions were lawful, and The contract/agreement has a wet ink signature from both parties. I do agree to pay any financial obligation which I might lawfully owe on the condition of the below requested resolution. Without Prejudice.
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| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) One Main Financial 15 USC 1681 Section 602 A states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
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| 06/29/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied online yesterday ( XXXX XXXX ) to get preapproval for a mortgage or loan to buy a foreclosure. I can not remember exactly which website this one was connected with, but I received an email this morning stating that they could help me, and to call their number. I called, and they actually agreed to increase the loan amount to be able to cover the whole price of the house I wanted to buy. We were disconnected because of issues on their end, so I emailed them back. After a few minutes, " XXXX '' called back and asked for my bank login information so that they could " link with their system to deposit the funds ''. I hung up on them, and Ive called the company they were reporting to be from. OneMain didnt even have my application on file. The email the messages were sent from is XXX XXXX and the telephone number used to get into contact with them is XXXX XXXX XXXX XXXX XXXX.
My email is XXXX and my cell phone is ( XXXX ) XXXX. My name is XXXX XXXX, if you have need to contact me, I will save the emails for 2 weeks, if you need/ want them.
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| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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I was approved for an auto loan on XX/XX/2023 by one main financial ... .during the closing part of the application the representative ( XXXX XXXX ) was rude on the phone accusing me of not following instructions... I was so frustrated that the dealership workers had to talk to her over the phone ... .we closed the deal... on Friday XX/XX/2023 I get an email saying that the loan was denied ... XXXXon Monday XX/XX/XXXX I called the number that was listed on the email and spoked to a gentleman from one main financial collection and explained why I was calling ( I was calling about the denial letter ) he said to ignore the letter ... ..I have spend all weekend XXXX reviews about one main financial and I read up on alot of complaints and warnings from other consumers who dealt with the same thing I did... I am afraid that if I ignore this denial letter, it may haunt me in the future. The gentleman on the phone even asked if I talked to a lawyer and I told him not yet ... I'm worried about my financial future after dealing with poor customer service.
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| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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OneMain Financial XXXX, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then Onemain reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at One Main threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!
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| 04/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
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Web |
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When I asked about them needing my car title as collateral, I was told clearly that they would release the car title once the value of the car was paid off.
The loan that I was approved for is a personal loan- $ XXXX above the value of the car, in order to pay off credit cards. I accepted the extra money in order to pay off my other debts.
Now I am told that the full loan amount must be paid back before they will release my car title.
So I was led to believe, and was reassured, that I can use my car which they have title of, to trade in for a nee car.
Now Im told by OneMain that the $ XXXX loan must be paid in its entirety before I can get title for my car to do a trade-in.
I have struggled and sacrificed to save XXXX to pay OneMain and went car shopping Only to find out that I cant use it as a trade in.
The car is a manual and I have wrist and now XXXX XXXX and need to buy an automatic transmission. I feel trapped in a vice and cry almost every day. I need help getting my car title and get these crooks exposed. Thank you for your time.
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| 09/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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I fell behind on my monthly payments. The manager of the XXXX XXXX branch of One Main Financial harassed me at work. She repeatedly called me daily on both my cell phone and work phone. She even faxed proof of income request forms to my work fax machine that was publicly visible by my colleagues. She was told on several occasions that she was calling the office phone number ( which was a XXXX ) and not to call back by me and the manager on duty. She continued to call me at work which was stressful and embarrassing for me. After I XXXX, I accepted a new position but had not officially started work there. I had not provided any new job information or updates to my work phone/address etc. to One Main Financial. Somehow she was able to locate the company which was out of state! She began calling my new employer. I did not provide the contact information but somehow she called the XXXX manager and he contacted me about the phone calls. Again I was harassed and embarrassed at my new job. This was a violation of my privacy and completely unethical.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
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Web |
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I have borrowed several times from onemain financial. The meeting went the same way it always had. This time I went to borrow XXXX to consolidate some credit cards that was fully maxed out. I knew I couldn't get much, I had 1 full time job for XXXX, and another that paid me XXXX and I was only used for on call. XXXX did some figuring and said I could borrow up to XXXXXXXX XXXX that was a tempting number. he said he could make so I wouldn't have a high payment, so I asked for an extra XXXX so all together I took XXXX at XXXX a month I added insurance protection so the final number was XXXX XXXX Unfortunately I had lost my job. after a couple days I called One main and explained to her, and I wanted to know how my insurance would help me with my loan until I was able to find another job. she asked me still had 2 jobs what's the problem, The problem is i was accepted for XXXXXXXX XXXX because he wrote that I HAD 3 FULL TIME JOBS ITS AN XXXX XXXX. I lost my job on XX/XX/2022, my bill was due on the XXXX XXXX XXXX XXXX doesn't work there any more.
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| 10/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have an active loan with OneMain Financial dating back to XX/XX/2021. I have been making payments on the loan every month since then. However, I have huge regrets taking out this loan and dealing with this company. Going back to XXXX this year I have been hit with repeated phone calls hounding me trying to collect money. I am doing everything in my power to repay this loan but that is harassment what they are doing. The final straw for me is when they called my phone today, a weekend morning. Any other creditor I have dealt with has never made harassing phone calls. If anything they communicate with me through email. I have call logs to back OneMain 's ridiculous amounts of calls they have made to me over the last few months. It's bad enough that my balance with them is hardly going down after making monthly installments, but that's a whole another issue. I have every intention to pay this loan off to the best of my ability but the nagging calls have got to stop. Thanks for taking the time out to address this issue and have a great weekend.
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| 10/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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Web |
Older American, Servicemember |
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I got a title loan from OneMain Financial in XXXX, 2022, and paid it in full XX/XX/2022. I was told they would notify Nevada XXXX to release my title, and I should expect to receive it in XXXX to XXXX weeks. I still have not received the title, and it has now been XXXX weeks. I called OneMain twice after XXXX weeks had passed since the payoff. Both times I was told I had to wait for XXXX. XXXX XX/XX/2022, I received an email response from XXXX that they had no record of a notice to release the title. I told OneMain this, and after investigating, they discovered that for unknown reasons, XXXX had not received a notice to release the title. They told me they sent another notice to XXXX on XX/XX/XXXX, and I should receive the title in 3 to 4 weeks. So, now I am going to wait for at total of 13 to 14 weeks to have my title returned. OneMain blamed technology or the Pandemic, which I am guessing they will continue to use for 2 to 3 more years. I can understand a mistake, but not after I alerted the company twice, and they did not investigate it.
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| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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See attached and : XXXX XXXX Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. OneMain - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law.
Thank you.
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| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been disputing an account that is reporting incorrectly on my credit report since XXXX of XXXX. I understand that due to COVID, there were delays in receiving responses from the credit reporting agencies and creditors, but at this point there is no reason as to why the paid OneMain Financial charge-off is still reporting inaccurately.
On XX/XX/XXXX, I received a letter from OneMain stating they have requested that the credit reporting agencies make the necessary corrections to my account.
For example, the last payment date, payment history, and high credit limit are not reporting correctly. This inaccuracy was confirmed by OneMain.
I was advised by OneMain to allow up to 30 days for my credit report to reflect the update of this information. I just reviewed my credit report, 7 months later, and the errors are still there!
My most recent letter to OneMain was sent on XX/XX/XXXX, and to date I have not received a response.
It is clear that they do not maintain reasonable procedures to ensure the accuracy of consumer reports.
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| 08/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
|
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Web |
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I applied for a PERSONAL loan for {$2500.00} from One Main Financial XX/XX/2019. I was told that once the loan was paid off, they would return the title of my car that they used for collateral. They actually tacked the {$2500.00} onto the amount I owed my car, plus charged a high interest which was not explained to me. They refinanced my loan 4 times without my permission. Since XX/XX/2019 Ive paid over XXXX XXXX in interest on a {$2500.00} loan. Ive repeatedly asked for copies of the previous loan agreements and was told that after one year they destroy all the paperwork so I dont have access to the refinanced loans I never requested. My car is worth $ XXXX yet I still owe One Main XXXX XXXX which I cant afford. My credit score dropped XXXX points because of what they did. They were deceptive in how the loan was presented, they continue to withdraw high monthly payments from my bank account which only pays the interest and not the loan. I cant afford basic things such as groceries or bills because of how much has been taken from me.
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| 05/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
Servicemember |
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When I took out this loan in 2019 with one main financial I was told about the interest rate but not once did they show tell me about the finance charge they just showed me where to sign. Ive been paying on this loan on time since 2019. Ive been paying around {$280.00} a month. The Loan was for {$7400.00} so its 25 % interest which is fine I didnt mind that. The problem was when I went to make a payment I still owed over {$6000.00}. When I called to find out why I still owed that much they informed me that I had a finance charge of {$6000.00} on my account for the loan. Not once when I signed up for the loan was I informed or showed a finance charge. On the online portal the highest amount they showed for the total loan was around {$9000.00}. So they were hiding the amount of the finance charge on the online portal as well. Overall I owed over {$16000.00} for a {$7400.00} loan how is this legal? I was also in the military at the time of me signing the loan. So they violated the military lending act by hiding this information from me.
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| 06/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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When I got my loan from one main financial I had no control over the computer when I was signing the contract and adding Gap insurance. The lady asked me how long I had been at my job and I told her about 7 or 8 months. She then asked if I wanted to add Gap insurance. I said yes. She asked me if it would be ok for her to have control of the computer so we could get the contract finalized faster. As she went through the terms and conditions never did she mention that I was not eligible for Gap insurance because I had not been at my job for at least a year. So few months later I lose my job and I call one main to see how to get my gap insurance to kick in, I was told that I was denied because I havent worked at my job long enough but one main sure did take my payments from me with that extra charge for my Gap insurance that I was not eligible for. I would have never agreed to the loan had I been told the truth. I never received a copy of my loan terms and conditions nor did I even get to read the terms and conditions before I signed.
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| 11/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
|
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Web |
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I obtained A loan from One Main Financial - I renewed the loan, The company added all the previous loan without deducting the payments I paid, they rolled over the amount borrowed as well as the interest - then place another 36 % interest on the new loan. In violation of the Military Lending Act for Active Duty personnel.
I called and spoked with members of management after extremely rude response from a Senior manager- they informed me after speaking with their legal team their attorney stated they were in compliance with Federal law.
The Company refuse to come in compliance with federal Law - The Senior Manager solution was That I signed the document.
I was unaware of the Military Lending Act when I signed the contract, nor did One Main Financial articulate my rights under the Military Lending Act. for and approximately {$7500.00} loan this includes the amount and interest that was rolled over from the previous loan.
I have been paying {$320.00} for over four years and the company is still alleging I owe {$2500.00} more.
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| 11/24/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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Web |
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Right after pre approval I received electronic communication from One main requesting bank and personal information I entered this information then I received multiple calls from loan companies representing themselves as One main offering me different loan products. After receiving these calls I called One main and was advised that I qualify for XXXX as an unsecured loan and would need to use my vehicle to qualify for the XXXX secured personal loan. I referred the gentleman to the ad where I choose the unsecured product. After giving the matter some thought I decided to accept the XXXX unsecured loan. I called the XXXX branch today spoke to a representative as well as the main number spoke to XXXX both advised me that i was not approved for either loan. I called the inquiry dispute department and was advised to send them a request to remove the inquiry letter which I did. I would like to lodge a complaint against One main for false and misleading advertisement and the damage done to my credit report. as well a security breach.
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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According to 15USC 1681b ( a ) ( 3 ) ( A ) I am requesting that the inquiry that is not connected to any open credit account and occurred on XX/XX/2022 pertaining to ONEMAIN be removed.
( 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
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| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I received the card in the mail. I never opened an account, never used the card that was mailed to me, and destroyed the card that was mailed to me. I can't even access through their website, as I never set up an account. I never received any statement showing why they are charging me for something I did not ask for and did not use. I only noticed it when it showed up on my credit report. Now they just continue to report me delinquent, adding more costs onto the balance without any explanation. XXXX simply reported my dispute as : " Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So, if a company tells XXXX their information is accurate, even when they are knowingly lying, there is no recourse? If they insist I owe them, why don't they send me a statement, showing where these charges were incurred? I have never used this account, and it needs to be closed and removed from my credit report.
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| 10/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
I took a loan with one main financial a couple years ago and 1 condition of getting the loan was being required to purchase an insurance policy to pay the loan in the event of loosing income. In XX/XX/2020 I was affected by covid and lost my income of over XXXX dollars a year. I imidiantly went to one main and filed a claim which was rejected three times before being excepted. ( I HAD TO.KEEP MAKING PAYMENTS DURING THIS PROCESS ) They paid three months only and quickly began billing me again I paid every month even without having a job. Now I am back at work making XXXX a year and still having difficulty making my bills. I have a payment due for XXXX and have been receiving 5+ calls a day numerous texts. Emails and voicemails regarding this payment which should not be based on my original contract. Terms did not state monthly recertification or limited payment but clearly stated loan payoff if loss of income. At this point I am iritated to say the least as I was forced to purchase this insurance and it is not being used.
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| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I saw these companies have hard inquiries on my report that I did not apply for my identity was used to apply for credit the name of the companies are : one main financial. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX
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| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I paid off my onemain account on XX/XX/2020. I recieved all documents ( title, contract, and verification letter that account is paid off ). I sent a Certified letter to XXXX in XX/XX/2020 notifying that my account is still opened and request to close my account. They did an investigation. On today a customer representative from onemain credit department said they just verified the information back in XXXX. On XX/XX/2020, onemain reported missed payments on a closed account to XXXX. I sent 1 Certified letter with documentation showing proof of my account is closed to onemain. They didn't do anything. Per our conversation on XX/XX/2020, she said she received the second letter in May then she lied and said that they received the letter on yesterday. I told her that I can take them to court for posting missed payments on a closed account. I told her that I want the account removed and want my points back. She said that they go by the order that they received it. Please listen to the conversation because they recorded it.
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
This letter is to inform you that I still dispute this public record. After not receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine.
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt.
Because I still consider this public record as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this problem.
I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
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| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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A cease and desist was sent to this company. The company has failed to abide by federal law. They are still reporting information on my consumer report after a cease and desist has been sent. I am sending the cease and desist to the company again. Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.
|
| 11/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
Servicemember |
|
found several discrerpencies in loan after signing what was not agreed, at time of signing " electonic " in branch my co signer ( father ) and I were not supplied with loan docs and told to pick up next day and upon reviewing hem at home found several discrepencies to include multiple account numbers, not extra credit and life insurance premiums choosen at time of signing ... ... ... ..lender only changed credit life and XXXX premiums without my consent ... ... entered branch were loan originated and closed and was told by branch manager since loan was closed she was unable to assist and given the customer care number XXXX and have explained over 3 times and told loan will be reviewd and i will be contacted and to date have not with any resolution ... ... I have only received banckruptcy cease orders from one main and i to date have not filed banckruptcy ... .My fther XXXX XXXX, co barrower recently XXXX and claims have been submitted for life insurance payouts by unknown source and still no resolution to my issue
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| 01/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
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One main has called me over 41 times within the last two weeks. They call me repeatedly at min 4 times a day. Different numbers are used. I have asked them not to call and they do. On XX/XX/XXXX I spoke with an agent for over 15 min. She tried to get me to make payment arrangements on a future XXXX payment. I told her I wasn't going to make XXXX payment until the XXXX of XXXX. They called me every day after they already had the payment date and tried to get me to change it/ argued with me, and was quite harrassing. I even told them I would file a compajnt and they still did it. They sent false baiting emails making it seem like I qualified for a new loan and ultimately did not. The ran my credit without my permission with those advertisements and I want those inquiries removed. I have proof of a credit payofff I have completed for them because they call too much and the reps are not even trained to be anything other than bill collectors. They didn't even notate the account about the payments I gave them dates for.
|
| 10/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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If ONEMAIN wouldve looked at the attachments, they would know and see the inquiry have been removed. A deletion is admission. I do not believe ONEMAIN improperly obtained my consumer report, but I KNOW ONEMAIN did. ONEMAIN benefited from my credit card, but I did not. That is a violation pursuant to 15 USC 1691 Equal credit opportunity which states, it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Did ONEMAIN give me anything after obtaining my consumer report? No. Thats another violation pursuant to 15 USC 1681n Civil liability for willful noncompliance ( b ) civil liability for knowing noncompliance any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting or {$1000.00}, whichever is greater. ONEMAIN damaged my consumer report, and I am seeking relief.
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| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
XXXX XXXX XXXX Main made a Hard Inquiry on my credit report with out my permission from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The date is a XXXX when their closed. They contacted on XX/XX/2022 to see what they could offer me. They called back on XX/XX/2022 with XXXX to consolidate the XXXX loans.
I told them I would look them over and call back with my choice of the XXXX they offered.
Called back the evening of XX/XX/2022 with my choice and was given an appointment time to sign on XXXX XXXX. When I show up for my appointment the associate hide the paper work behind her and I was told there was nothing available me. I was discriminated because of my XXXX.
They told me I didn't qualify but on XXXX XXXX another XXXX inquiry on my credit report with out my permission and a second offer left on my voice mail offering additional funds. The loan they approved me for on XXXX XXXX wasn't what they verbally agreed on and caused financially hardship. Perfect repayment history lost because of my XXXX.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 12/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
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This title loan is a predatory loan that I received while in financial distress. The loan is an interest bearing loan, where almost 90 % of my monthly payment goes to interest and only {$28.00} per month goes to the principal. My monthly payment is : {$270.00}. I lost my job due to COVID-19 related issues and I reached out to One Main Financial to utilize the unemployment insurance that they offered and I paid for monthly with my monthly payment. I was told I would have to go the unemployment office and get them to sign a form to submit to One Main Financial and also the employer I separated from would have to sign a form as well. All unemployment offices are closed to the public in North Carolina due to COVID-19. I feel as though they will not help me during my financial hardship. At this time I do not have any resources to continue to pay my loan. I called One Main on XX/XX/21 to discuss my financial issues and I was offered a two month deferment for {$140.00} per month which I can't afford to continue to pay.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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There has been several occasions where the company has miss reported items, or failed to synchronize there systems and ensure that all payment reporting is the same in there system. I had a claim against them back in 2020 for a similar instance. They have reported my account late for XXXX. I have requested payoffs for my account and paid the payoff amount only for them to say I have a remaining balance. I spoke to 3 different representatives yesterday and none are certain why my account was showing I still owed XXXX. I am extremely furious, they have ruined my credit score with there incompetence not once but twice. My score dropped almost XXXX points because of them and I wish them to be punished by the largest scale. They are rude and the branch manager never wants to be bothered. She stated we could not get through to you so we could not discuss the XXXX. Meanwhile you have an address, email and phone number and none were utilized. Has to be the worst company out there and I would warn others to steer clear.
|
| 08/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
This is my only source of debt. I renewed/refinanced at the beginning of the year. I was signed up for automatic debits on the XXXX without my permission. One came out and I over drafted, I got a big fee from my bank. So, I called in and asked to be taken off automatic debits. The rep said ok, but it only worked for that month. The next month I was in the same situation, big overdraft and fee from my bank. I called in again and scheduled payments on the correct days through XXXX. It worked for 2 months. This month, I was scheduled for the XXXX, they reverted to the original date of the XXXX without telling me. Now I am overdrafted with a fee from my bank. My bank will not refund the charge because they see me as a risk who frequently overdraws, even though I have asked one main several times not to auto debit me on the XXXX, but rather to charge me on my payday. How can companies like this expect us to be 100 percent on time all the time with no question if they do not provide the same standard of service?
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report XXXX XXXX XXXX has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) XXXX XXXX XXXX XXXX # XXXX -- -remove acct inaccurate reporting 2 ) one main acct # XXXX -remove acct inaccurate reporting 3 ) XXXX XXXXlate XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 04/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
One main financial keeps increasing a loan that was already discussed. The continue to have a collection agent contact me posing as an XXXX and threatening me with jail time. One agent called to try and settle the debit after garnishing my full unemployment payment causing my bank account to reflect a negative balance. I had to call and report them after a week they called stating I needed to pay them {$3500.00} on a {$1200.00} loan or they would legally seize my car and bank account. After I spoke with unemployment they were forced to return the money to my account and called me again asking me to pay {$3000.00} or a lawsuit would be filed. Days later they sent multiple emails and phone messages with different amount I need to pay each time increasing it saying they would add {$100.00} interest every week I didn't pay. After asking them to stop harassing me they have kept updating my credit report stating this was a new debt which it has been over 7 years so it remains on my credit report. Please help
|
| 06/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
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I applied for an unsecured personal loan on XX/XX/XXXX. I was pre-approved for a {$1500.00} unsecured loan or a {$6000.00} secured loan if I used my car as collateral. I chose the unsecured loan personal loan for {$1500.00} and I submitted my financial information. I spoke to XXXX at the XXXX, OR branch on XX/XX/XXXX and she stated that they needed my vehicle registration or at the very least they needed the VIN to proceed with an unsecured personal loan since I have an auto loan listed on my credit report. I asked for documentation and why this was necessary for an unsecured personal loan and her was response was, " well I told you that you needed to provide your cars registration proceed in the first conversation. '' So there is no real explanation to why this lender wants a customers vehicle registration for an unsecured personal loan that doesn't require collateral except for there to making up there own rules. I'm filing a dispute to have the hard inquiry removed and filing a complaint with CFPB.
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| 08/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Around XX/XX/2018 I had a death in the family and asked help about a payment, they said they could restructure and asked for documentation and pay stubs. I also informed them I would be paying off the loan in the next 30 days or shorter and asked the freeze of due to circumstances. They referred me to a local Office where I emailed everything but they refused to reply in email, I found that interesting as I was sending sensitive information via email But they refused to reply by email. Later that month with an exchange of emails, ( one sided ) phone calls and more I Made the payments I could and notified them of intent to pay off, I asked the amount of which they said it changes daily?? I sent a certified payment that they accepted and lost for 5 days in their location. Later looking up the account I find they owe me money of which they refused to pay and they marked it derogatory.
I want the derogatory remarks removed and they can refund the money shown on the final closing. I have a picture to send
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| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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To Whom It May Concern, After checking my consumer report, to my surprise the following company is report a late payment.
( List financial institution ) I am demanding the late payment be removed because I believe my consumer rights have been validated based on the law ( s ) listed below 15 us 1681a - Definitions ; rules of construction - Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report.
Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.
Under 15 us 1681n, as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me.
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED.
Either the law is applicable or not!
Send an updated copy once the item disputed has been removed XXXX! = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX = XXXX
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
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| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
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| 10/04/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American, Servicemember |
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My previous home located at XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX was foreclosed on in XXXX, XXXX and no notice was given regarding the impending eviction process. I was thrown out of the house without notice from the XXXX XXXX XXXX XXXX Sheriff 's office or the mortgage company prior to this event occurring.
The loan which I had with XXXX was a predatory loan and I was preparing with my legal counsel to address this issue and I advised XXXX of my findings regarding the loan. Subsequently my loan was immediately transferred to a third party lender by the name of XXXX XXXXXXXX XXXX located in XXXXXXXX XXXX I contacted XXXX XXXX on several occasions regarding access to paperwork in my file and was denied access by the bank employees. XXXX XXXXXXXX XXXX was destroyed by hurricane Katrina and no longer exists, however XXXX has reorganized as of XXXX and is now One Main Financial.
This entire matter was predatory from the beginning of the signing of the deed of trust.
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| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
|
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I contacted one main financial on XX/XX/XXXX and told them due to me being out for XXXX they will have to continue to take monthly payment by auto draft set up with my bank account information. I continue to get calls 3 times a day and from different numbers 1 ) XXXX XX/XX/XXXX XXXX XXXX XXXX 2 ) two calls made from Branch on XX/XX/XXXX XXXX ) Friday XX/XX/XXXX XXXX XXXX XXXX and XXXX two voicemails were left that day. The repeated calls continue daily from other numbers daily and again today XX/XX/XXXX 1 ) XXXX 2 ) XXXX from XXXX 3 ) XXXX XXXX. They are using deceptive practices to call from Numbers at branches my loan is not with and leave messages asking to Call back number to main branch. Im Requesting that they remove my banking information from their system and not to draft and loan payments going further I am also requesting that the loan company be punished for their deceptive collectin practices and obsessive harassing calls to my cell phone when I had payments set up for automatic draft
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| 07/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I am still having a difficult time with one main financial. They are bleeding me dry with too high of the intrest on my vehicle and when I asked for hardship and to lower my intrest rate they refuse too. Also I have complained here before to CFPB about them calling my job and I sent them an email and they still call my job while I have asked them several times. I have proof from an email I sent to them and also the last time I filed the complaint on this site. Why cant this company do the right thing and stop ripping people off : I have read numerous complaints besides myself. I also noticed they increased my term for almost 6 years paying XXXX a month for 6 years thats giving them XXXX, XXXX on what was owed of XXXX. This is a total ripe off and our government needs to take action. I only owed at the time I came to them only XXXX and I took out and refi to XXXX and they are legally taken advantage of people badly. This needs to go public and if the cfpb doesnt want to help they need to go as well.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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On XX/XX/XXXX, I called the One Main Financial office at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the phone number ( XXXX ) XXXX. XXXX answered me and I asked specifically for XXXX because she had helped me previously. XXXX told me that she was not available because she was with a client. XXXX told me I will take down your information and XXXX will call you back.
After a few minutes, XXXX called me back and told me that my credit had been run.
I told XXXX that I had not authorized this, and that they had only asked me for my name.
XXXX forwarded the call to XXXX and said " I already did it.
I called the company headquarters and explained what happened, and today Monday the XXXX, I received a call from One Main Financial and I spoke with XXXX XXXX and she said that she could not help me.
I explained in detail what happened to XXXX and she told me that she believed her co-worker over me.
This attitude is not ethical and not legal because they ran my credit without my consent and authorization.
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| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX account number XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my rights balance for acct is {$350.00}, XXXX XXXX XXXX has violated my rights for acct XXXX Balance XXXX XXXX XXXX account number XXXX has violated my rights, XXXXXXXX XXXX account number XXXX Balance XXXX XXXX XXXX has placed multiple accts on on my XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance XXXX dollars, XXXX XXXX XXXX XXXX account number XXXX has violated my rights balance is {$720.00}, XXXX XXXX XXXX account number XXXX, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 12/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
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I have sent letters and affidavits to the CEO of OneMain Financial ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 15 USC 1692 et seq. to give knowledge of the facts regarding OneMain Financial Accounts.Including the personal loan agreement, account ledgers and bookkeeping entries. I have requested if OneMain Financial used its own money, money equivalent, credit or capital, or that of other depositors, as adequate consideration to purchase the loan agreement and notes from the borrower. I have requested validation that OneMain Financial does not follow Generally Accepted Accounting Principles ( GAAP ) or the Federal Reserve Banks policies and procedures, and did not create credits from the Borrower holders signed receipts, promises to pay, notes, or other instruments.I have sent a certified letter and affidavit to be notarize of this information twice. OneMain Financial did not do so instead they gave me verification of the loan not validation. OneMain Financial is requesting payment on a fraudulent loan.
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| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
|
| 06/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
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During the middle of XXXX and all through till today XXXX I have been trying to get an additional loan or refinance my loan with one main but they keep denying me and I have been making all my payments and they have also been charging me extra Many Many times I paid two or three times for the monthly payment for just One month and I tell them and they deny it when even my bank tells me it went through. And now theyre telling Me I owe the {$1900.00} still but I only owe them {$1400.00} left, it even says that on my credit report. They also havent let me use Any of my Add-ons that were supposedly added to my loan. They tell Me j can not use the insurance that I paid for to help me make a payment because I didnt get paid in time. They laugh while Im talking to them. They tell Me they can help me get refinancing and or an additional loan and to give them my social security number and do the hard pull and tell me sorry we cant then they laugh and tell me to try again next month. This is ridiculous.
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| 11/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/2022, applied for a personal loan through the www.onemainfinancial.com website in the amount of {$1500.00}. After entering my personal information credit was ran and pre-qualified for a 'secured ' loan for up to approximately {$7000.00}. The secured loan turned out to be a Title Loan, sort of a refinance with cash-out, similar to a refinance on a home loan refinance.
The insane part was that after calculating all the costs the representative came up with an interest of up to 30 % if they were to payoff my car loan with my current lien holder and provide me with the cash out of {$1500.00} that I applied for. My current interest rate is at 4.33 % with my current lien holder, no reason to change that to a 30 % interest for just {$1500.00}. Of course I declined the offer without even considering their approval.
This is a despicable for some one who just needs an extra cash of {$1500.00}.
The branch that handled the call is located at XXXX XXXX, CA XXXX, phone number ( XXXX ) XXXX.
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Debt collection Attorney XXXX XXXX XXXX XXXX, FL, claimed they were hired by Onemain Financial to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy Onemain Financial to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an XXXX was used to capture my initials and signature which was my former name.
This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it
|
| 07/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I have a loan with One Main which is a personal loan. We reached a permanent agreement to repay this loan at a lower interest rate and payment. This was one year ago. Since then, I have not been late to the day. It has been taken out of my bank account. Friday the accounts manager left a threatening phone message, She said I was behind on my payments. This is not true. I have proof. I called back and was told the payment was due on a different date than agreed one year earlier and if I was one day behind, I have to pay more. They are trying to breach the agreement and threaten me. I am XXXX XXXX XXXX, lost my job due to the virus ( XXXX XXXX ), very XXXX and XXXX XXXX XXXX. I have had a XXXX XXXX. They just made fun of me. I was very angry and upset and had to be seen by my doctor. They just want more money. I have completely complied with the agreement and they have taken out the money on the same date for one year. Please stop them from upsetting me. I have done everything they agreed to.
|
| 03/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Onemain financial is holding a loan against me that I did not apply for and provided no evidence or proof of it was me that got the loan. It was a result of identity theft and they provided signature proof stating that it was digital meanwhile it wasn't a wet signature XXXX with docusign it was an automated sign. Secondly, they showed a void check with my bank info which I don't understand or know how they got and they stated that I took and refinanced a loan for kid braces. Meanwhile, I have health insurance and my kid has Never even gotten braces. I never made payments from a XXXX XXXX XXXX account which they stated or refinanced. It was a fraudulent loan when I had my identity stolen and I paid the chargeoff once it hit my credit as I didn't know you could dispute debt. If I had known that you could dispute debt I would have never paid this as I didn't know what to do as I had never had my identity stolen before. But this is not my application. Please review the enclosed documentation.
|
| 03/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
XXXX and XXXX XXXX signed contract with one main on XXXX XXXX for payment for XXXX each month. One main would deduct from XXXX XXXX XXXX XXXX each month.XXXX XXXX XXXX One main financial increase Adding insurance without having XXXX permission increased payment to XXXX XXXX didn't pay and one main charge XXXX late and extra interest because XXXX didn't know about the increase.. XXXX XXXX XXXX One main tried to deduct XXXX instead of the XXXX contract stated. XXXX didn't agree to XXXX only XXXX now one main is causing damage to XXXX and XXXX XXXX credit report XXXX and XXXX and XXXX XXXX had the XXXX in account for one main amount that was agreed upon with contract that was signed.XXXX XXXX amount owe..One main.. and not XXXX if insurance was added without XXXX agreed upon. So One main added so they need to pay .. and waive all late and late interest from XXXX and XXXX XXXX account. And XXXX and XXXX and XXXX now.. if this continues to happen XXXX can't afford extra XXXX amount. Thanks
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| 09/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
I had a payment scheduled through auto pay to the company. On XX/XX/XXXX, XXXX payments of {$190.00} was taken out of my account. Only one payment of {$190.00} was to be withdrawn. Ever since, I have reached out to the company with several phone calls to the office that the loan was originated. Along with emails and a call to their corporate office. I also had my bank involved, but they have a problem with cross communication to help solve the problem. The corporate office called me on XXXX XXXX telling me that they initiated the reversal of the extra payment and should have it in my account no later than XXXX XXXX. I called the local office to make them aware that I have not received my payment and assured me I would have it on XXXX XXXX. I have not. I emailed the local company to tell them this, and I have not received a return email or call. I explained to them this is our household money and need it returned asap. This has been going on since XX/XX/11. Insane business practices.
|
| 04/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I have been paying a very high interest loan that has used my vehicle as collateral. I have doubled up on the payments. However. I have been charged double interest on those payments instead of getting the 2nd payment applied to all principal. I called the store where I originally received the loan and they said they could not do it. They gave me customer care number and they only thing I can do is leave a number and I have called twice. This is a ridiculous about of interest and when I make a double payment the interest is higher then when I make only one payment. It is like their system is recognising the 2nd payment as a late payment for the payment already made.
I have attached the XX/XX/XXXX statement but it only shows the payment on the first. I also made one on XX/XX/XXXX which I fear will be NOT be applied to principle only. I have also doubled up on payments in XX/XX/XXXX and XX/XX/XXXX and previous years. I want all the double payments applied to principle retroactively.
|
| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company is reporting to all three credit bureaus ( XXXX and XXXX ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre ; US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ; FCRA Section 623 ; CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 ; and FCRA Section 611 Part ( A ) ( 1 ).
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
|
| 06/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Original loan was with XXXX XXXX, the company was bought buy OneMain financial in XXXX. Date of original loan was XX/XX/XXXX in the amount of XXXX, account number XXXX. OneMain is reporting negative information on my credit report ( account charge off ). This account was paid as agreed, also paid in full on XX/XX/XXXX. I received a certified letter from OneMain, with all documentation verifying the satisfied account has been paid as agreed, paid in full & it shows that I was never late with making payments. I tried to reach out to OneMain when I noticed that they were reporting my account as a charge off. I also tried disputing the negative information online, the results from the online dispute that the account was verified as accurate & was a charge off. I have also tried mailing letters to the company, but my letters were returned. I would like for the company to remove the inaccurate information or at least update my payment history as this is harming to my credit ability.
|
| 09/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I reached out to the company and asked for a pay off balance the add me do another application to try to get an additional loan/ refinance the previous loan to pay off the old loan. Try told me that I will need add an additional collateral as well I only qualified for a little amount which wouldnt even cover the previous loan. I was told that the could lower my monthly payment which I had monthly payments but I paid by weekly so therefore the amount I paid never seemed to go down. I was told that if I paid by weekly I would pay the amount down faster which was a lie. I think I paid this loan for XXXX year straight and the amount never went down. The interest is out rages I then wasnt able to pay doing it Covid. They called me several times to try to get me to modify the loan which kept me applying my credit score down and I was never approved and when I was approved the amount what wasnt. Enough to pay off anything so it still left me in the negative or should I say behind?
|
| 02/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Applied and provided three offers based on information I submitted and what they got from my credit report. Was told all they needed was to validate the income I proved them of my net XXXX a month income. I uploaded all documents and they reviewed them. They had an issue according to one of their reps in calculating my income since they were not giving me all of what was on the paystub. They had the wrong start date in there. Asked to speak to supervisor but non available and never called me back. Had another branch review the case they seen where they issue was and corrected that but then said that I was not approved for the original amounts or offers but less even though my income was corrected. They tried to switch up the offer and give me a worse term and amount. They could not tell me why other than someone messed up and quoted me the offer and they should not have. There is no transparency and they lie about what they can offer you then switch it at the last minute.
|
| 04/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I open a loan with One Main Financial in XXXX for 60 months term, I have paid every single payment, with the exception of putting 3 or 4 payments on the back end of the loan I also paid the interest to do so. The loan was suppose to be paid off in XXXX the finance company continued to tell me that it wouldn't be paid off until the end of XXXX which makes it 2years beyond the payoff date the original amount of the loan was {$8000.00} at that rate I am being charge over {$24000.00} on a five year loan and have made all my payments every single month something is not right when I spoke to one of the representative they said my loan was switch to a different method and no one ever reach out to me or explain who change my loan I would like for you to see what you can do to assist in this matter and you have my permission to review any and all documentation pertaining to this loan there got to be others out there that have suffer the same fraudulent action.
Thanks, XXXX XXXX
|
| 05/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
A consumer credit transaction agreement was created between One Main Financial and the consumer, XXXX XXXX. Afterwards, a payment was made. After the initial payment was made, a payoff inquiry was made on XX/XX/2020. Both the payoff inquiry and statement reflected a payoff amount of {$6300.00}. A registered security ( in the form of an international promissory note see UNCITRAL CONVENTION ) was tendered and sent to One Main Financial under notarial witness, in the amount of {$6300.00} as satisfaction for the consumer credit transaction. After receiving the full satisfaction, One Main Financial failed to offset the account balance, harassed the consumer with debt collection calls and colluded with others ( law firms, courts and credit reporting agencies ) to inaccurately misrepresent the character of the consumer. In addition to not returning the international promissory note ( and adding insult to injury ), One Main Financial has begun garnishing the consumer 's wages.
|
| 06/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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I received a call from a collection company called XXXX XXXX XXXX in XXXX SC. They called my mom and told her I owed money and she had a warrant on her desk for me. My mom called me and told me to call this number because they had a warrant for my arrest. I called the lady said she was the district attorney and had a warrant on my desk for failure to pay, I think this was in XXXX, Ive paid over {$500.00} for 3 months up until now, I tried calling all of the numbers associated with this company and they never answer and there is no voicemail. Thats when I knew something was wrong. I cant get in contact with them because I cant afford this last payment. I looked up the address on the site XXXX and found that it was an apartment complex called XXXX XXXX. Ive came out of pocket so much money thinking my loan was being taken cared of but it wasnt. I still owe so much and it should be paid with what I sent XXXX XXXX XXXX. They promised receipts, and I never received them.
|
| 01/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
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On XX/XX/2023 I applied for a personal loan with one main financial through credit karma. They did a hard pull on my credit. I have good credit. They then try to link to your bank to verify income. My income is sufficient by there standards however I bank at a small credit union that doesnt link with there software so my loan could not be processed. However the inquiry on my credit remained. So my credit dropped and I never had a chance at approval. It seems to me that they should disclose their process prior to inquiring on your credit. I called the company and they said they understand but there is nothing that they could do. This is a deceptive business practice. Why would I apply for a loan that because of technical reasons I would never be able to receive. The company told me to call the credit bureau and the credit bureau told me to dispute it with the company. One Main financial is using unscrupulous business practices and not operating with full transparency.
|
| 09/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX entered into a consumer credit transaction with One Main Financial on XX/XX/XXXX. A consumer credit transaction which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but One Main Financial took cash. One Main Financial willfully and knowingly failed to Provide/Disclose information required under the provision of 15 use 1601. One Main Financial sent me a letter on XX/XX/XXXX stating the balance due on this alleged debt is {$3700.00} but one main financial is reporting on my consumer report as the account balance being {$3000.00} for the month of XX/XX/XXXX as you can see in the attached exhibits witch is a violation pursuant to 15 usc 1681 ( a ) inaccurate reporting on my consumer report. One Main Financial also Disclosed my nonpublic information with a nonaffiliated third party ( XXXX XXXX XXXX ) witch is a violation under 15 usc 6802
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| 07/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
Good Evening, unfortunately on XXXX of XXXX I was in a real bad financial situation and had to take on a secured loan for the amount of {$4500.00} and had to pay the consequences of being in debt for several years without being able to pay the loan amount in full. Fast-forward to XXXX I was able to negotiate with One Main company to Legally paid in full for less than the full balance with the condition that they would remove they're account from all 3 credit bureaus, needless to say I didn't know they would not or couldn't do that and at the present day I still have my credit score hurting me today ( XXXX ) and all 3 credit bureaus won't remove One Main account from my credit report until XXXX. I think it was a misleading and cheating tactic from One Main to get me to pay the full amount agree when they knew real well that my credit score was going to get impacted well after I pay the agree amount and decided to lie in my face anyways without remorse. Shame on them.
|
| 01/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
On or about XX/XX/2023 I applied for a personal loan at One Main Financial online sending all my financial information ( pay stub from part-time job, social security retirement and pension ) I have had and account with XXXX Main in previous years and had no problem paying the account off. My projected income for the year is XXXX. The loan was for only XXXX dollars. The credit report had already been pulled, but when I asked about the loan on the XXXX I was told that I didnt have enough income to get the loan an that if I wanted the loan my wife would have to sign on the loan too. What I think is happening here is age discrimination not income. In the past this has not been a problem with me getting a personal loan on my own for over XXXX now its a problem and I want to know why. If a person is in good standing with a business, an that person can give you assurances through insurances on the loan received why not give that person the benefit because of past history.
|
| 07/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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The XXXX XXXX account reporting to the credit bureau has inaccurate information. My credit is being effected by the inaccurate information that is being reported by the agency. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on my credit. I demand to see verifiable proof In writing of this account. Under the FCRA unverifiable accounts must be removed. I am demanding that the account be verified or removed from my credit report. I have disputed this account previously and the agency has yet to provide documentation or remove the account from my credit bureau report. Under federal law you have 30 days to complete the re-investigation. I am asking that you provide documentation with 15 days of re-investigating. I am also requesting that all inquiries on my credit be removed from the agency.
|
| 08/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
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My car 's engine died on XX/XX/XXXX I was waiting for the dealership to tell me whether or not they will cover the engine. I let one main know that the cars engine was not working and that I was waiting for answered to see if it would be covered and repaired after finding out it would not be repaired. The person told me all I needed was a letter to say that the car was not working and that they will switch the loan over to a personal loan. When I called back to have that done she told me that they were not going to do that. She was going to take the car, sell it, get what they can get and pick the loan and to repossession status and I'm not sure why. I never told them I would not pay but I told them that the car did not work and that I couldn't continue to pay the {$530.00} on the loan with having to get a new car and asked Could the monthly payments be lower but I have not received the answer. My car at this point is only worth XXXX and I owe XXXX on the car
|
| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Original loan with One Main Financial was in good standing, we paid it down refinanced it and opened a new loan in its place. However they charged off original loan instead. The new loan was given debt forgiveness due to a class action suit in which we had to pay taxes on from Tax forms given and received. They are not only reported our account for non payment on both of these accounts. But charged them off. We have multiple collections for the same loans with different amounts and different dates with multiple collections companys. In Addition for a loans that arent even ours for a XXXX XXXX whos remarried name is XXXX XXXX. This is FRAUD ALL THE WAY AROUND. The company was sued yet were being penalized. I have 5 loans from this company reporting that Im not responsible for. We paid taxes on this. All loans from this company misapplied. Ive written multiple times giving complaint to all credit bureaus and companies.One Main financial wont give documentation.
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Greetings, I have reached out to all the XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two of the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. OneMain signed for my letter reaching out to them concerning the following inquiry reflecting my credit report. They signed for my letter on XX/XX/2020 and today is XX/XX/2020 and they have not replied within the 30 days given to response. This company which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts. It needs to be removed asap.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I hired a debt consolidation company to help with payment plans after changing jobs, due to the company closing down that I was employed by in XXXX and having to relocate. The company I am filing the complaint on, agreed to the payment plan. They charged the loan amount off, but left a balance on the loan. It was supposed to be charged off and a XXXX balance. The other debtors charged the loans off correctly, which aloud me to repair my credit. I was using XXXX XXXX XXXX to help fix the errors on my credit report, but had no luck with this company. When I called the company myself, they would not supply me with any information with why it was reporting incorrectly. I was told by the company to contact the debt collection company, which did not provide me with the information I needed. This was the beginning of XX/XX/XXXX. I need the loan to have a XXXX balance. I do not know how they came to the number that is on my XXXX credit report. It is not on my XXXX
|
| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ONEMAIN XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company.
Inquiry was made on XX/XX/XXXX by ONEMAIN.
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I XXXX XXXX, consumer, and original creditor, sent ONEMAIN FINANCIAL an affidavit of truth stating violations that where taken place by them regarding my consumer report. ONEMAIN FINANCIAL is in. violation of 15USC 1681a ( 2 ) ( A ) ( i ) for reporting transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1681a ( 2 ) ( A ) ( iii ) as I was not given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. ONEMAIN FINANCIAL is also in violation of 15USC 1681 ( 2 ) ( B ) as any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is also to be EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1611 for criminal liability for willful and knowing.
|
| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
I contacted One Main Financial 's XXXX XXXX PA office via phone in mid XXXX, 2021.
During an extensive discussion about my financial needs, situation, and assets, I DID provide my SS #.
On this initial phone call, well before anything was agreed to, upon learning that the interest rate would be in the range of 22 % plus, I made it very very clear that there would be no further interest by me in their services and " thanks anyway '' The following day, an agent called again to attempt to get my business, I made it clear again it would not happen, stating " thanks anyway '' Still, after this, One Main Financial pulled my credit report for loan qualification assessment with NO PERMISSION FROM ME to do so, and in fact, with my expressly stated position that we would not do business.
This is clearly a violation of protocol since credit inquiries such as this damage my credit score, and it is completely up to me to expressly allow or deny such inquiries.
|
| 09/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I called today ( XX/XX/XXXX ) to request a pay off amount for Thurs ( XX/XX/XXXX ). My balance is about {$6000.00}, and was told my payoff amount would be {$6600.00}. This seemed like a really high amount, but one main financial said it was due to interest on the loan for the whole month. I asked for clarification as to why it was so high, as almost {$600.00} seems like a lot for two days worth of interest. I was given the Run around trying to speak.to a member of management, only to be told it's due to a returned payment back in XXXX of XXXX. Not only was I not informed of the returned payment, thus unable to rectify the situation in a timely manner, but I was completely unaware that it would cause my payoff amount to increase by almost {$600.00}. Additionally I had reached out to OMF for other reasons since, which would have been a fine time to bring it up. So I'm left here confused and feeling totally ripped off and blind sided by this extra expense.
|
| 02/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022, I reached out to CFPB to resolve an issue I was having with One Main Financial. The complaint ID is XXXX. Due to the nature of the loan or the loan originating out of fraud, One Main Financial agreed to waive all interest and late fees from the account. Per my credit report, they have been reporting the late fees and interest fees after the agreement had been reached. I harassed on a daily about late payments or resuming the payment of the fraudulent loan. When I tried to pay on the balance I was told the account was sent to collections. If the loan was originated fraudulently and One Main Financial is fully aware that this was done on their behalf due to an employee they hired, why are they able to make these reports on my credit profile. I am seeking immediate assistance. I do not think that is ethical they have employees stealing from their customers and then they are able to make reports on your credit profile because they messed up.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received on my email that an inquiry was placed on several of my credit reports with XXXX, XXXX, and XXXX on XX/XX/2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. One main Financial placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. OneMain Financial - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX, XXXX Account # XXXX XXXX XXXXl Account # XXXX XXXX Account # XXXX
|
| 11/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Between XXXX & XXXX of 2019 I went and applied for a payday loan here in XXXX XXXXXX/XX/XXXX at One Main Financial Services. I've dealt with this company before in serval accessions when needed. I borrowed a payday lone in which I was paying them on time. My complaint basically is that I feel I was forced into this Dept. situation in which I also know I am a fault. I strongly believe that the amount I originally applied for was not giving to me. At that time I was going through other crises both mentally and financially. I ended up going through a consolidation agency and was able to consolidate almost all of the accounts owed. One Main Financial took my account to a collection agency. I believe this agency is over charging both in interest and in money totally owed. During this pandemic that is already happening is there anything I can do or sue this collectors agency? I already started paying them the arrangement made through my council Help?
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : ONEMAIN # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 12/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I called in to One Main on XX/XX/15 to make a payment. I was not informed that a payment was being withdrawn at that moment. This resulted in a double payment, which is NOT something that I wanted. Only one payment should have been withdrawn which was XXXX. Both payments have posted. The company states that they have a process that takes time for me to be refunded. I sent over the XXXX Statement and real time transaction history over 3 times to One Mains XXXX, GA branch and the executive office. They are asking for XXXX 's statement, but they know that it hasn't printed off yet. The transaction history should suffice in addition to XXXX 's statement. One hand doesn't know what the other hand is doing and I am tired of it. They pulled the money out of my account twice without an issue, therefore I should be refunded asap without an issue. I am not pleased with their response, lack of communication, and their attitude with this situation at all.
|
| 12/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
the complaint is against one main financial located at XXXX XXXX in XXXX NC. i called them to inquire about a vehicle loan and that i might be interested in getting one. i told them once i pretty much found something, i would call back, after i did some shopping around online or in person. i found something i liked, online. so i called one main back but this time they never answered my calls. i tried calling a few or a couple of times and calls went unanswered. i know i had poor credit in the past, but it is good now. very good. and i explained that to them. and that i worked on my credit to bring my scores way up again. but that gave them no reason to ignore my calls. i know they were open and not closed because they normally close around XXXX or so and i called way before that time. but that's ok. dont bother calling when it's time for a payment. i will block your number and i am going to have these accounts removed from my credit reports
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have five hard inquiries that I would like removed from my report that still seems to appear on my credit report that inquiries are : One main financial, XX/XX/XXXX OneMain financial, XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Also I have misspelling in my name in my personal information settings, and misspelling in my address also along with additional wording on to my name or address areas of the information provided for me that are incorrect.
Also I had a card that recently closed that I am unaware of why it closed, XXXX XXXXXXXX XXXX which impact my credit report as well as far as my credit age.
Also it seems to me that most institutions such as XXXX XXXX and XXXX XXXX have late updates as far as payment history and other reported updates and I've been having problems with my XXXX XXXX XXXX not being up to date with the payments as well so the reports are being updated pretty much late.
|
| 07/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I requested and was granted by Onemain Financial a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. On two different occasions Onemain Financial reported me late to the credit bureaus adversely affecting my credit. Onemain Financial was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Onemain Financial failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
|
| 05/24/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Today, XXXX XX/XX/2021, I Received an email from XXXX XXXX XXXX, along with " XXXX XXXX XXXX ( current creditor of your original Springleaf Financial Services , Inc. ( SPRINGLEAF ) account ) balance. '' as well as TrueAccord for outstanding balance of {$1400.00}.
I have no idea who these people are or who these companies are, never mind owing that amount of money for anything.
I do not know any : " This was originally an account with Springleaf Financial Services , Inc. ( SPRINGLEAF ), account number ending in XXXX ''.
WHAT ACCOUNT???? I do not know this company at all, and have never done business with the likes of them either.
I do have a school loan but that is through OUR GOVERNMENT!!!
Not some fly by night wan na be BS company.
Some company tried that in the past, I shut them down too.
After receiving that email, I replied in not a very nice way, being FRAUDULENT and most likely a SCAM. I also reported this as Phishing.
|
| 09/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I made a payment on my XXXX credit card on XX/XX/, but payment was sent to wrong bank, which refused payment. I realized this and made another payment of XXXX the next day. The first payment of XXXX was returned and reflects that on statement. Statement also shows a returned payment of {$2200.00}, which was total of my account. This amount was added onto my balance, which doubled my balance to {$4400.00}. At no time did I make a payment of {$2200.00}, nor make any purchases for that amount. I've called XXXX 5 times to get this taken care of, and was always referred to different persons. During the last 2 phone calls, I was sent to 6 different persons. None could help, and I was told the only person that could help me was OneMain Financial. I called OneMain and was told they have nothing to do with the credit card. The also over charged me interest in the amount of {$74.00}, which is twice the amount I paid last statement. Please help!
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
|
| 08/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American, Servicemember |
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Yes I applied for a XXXX loan on line with XXXX main financial. Pre approval. Than they called me asked me my finances and too bring in my pay stub. I told them I'm on XXXX. They said no problem. I told her I need the money too pay off my 2major credit cards. She said come down your approved. So I sat down with her and she said looks good. Than she left talked too someone I guess. Said I can get the loan because if my finances the loan payment would have been XXXX a month. I was happy. I could afford that. Paying biff the 2credit cards would have saved me on both cards like XXXX ; a month alone. They did not figure my finances right. I know what I can afford. She said we don't go by credit. We got by what you can afford. They did run my credit they lied. Lost 6points. Hard inquiry. Want them too contract all 3credit bureau 's get them delivered out of courtesy. Also XXXX XXXX just approved me for a loan also. They lost good customer.
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| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I AM A VICTIM OF IDENTITY THEFT! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.
2. Provide me with written confirmation of the results of your investigation.
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX.
5. Provide me with an updated copy of my credit report once the corrections have been made.
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.
This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
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| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2020 One main Financial pulled a hard inquiry in XXXX and XXXX Credit Bureau by sending a email offer to me. The email have a box saying Lets do it and I clicked just to check what was that about it and accidentally scrolled my phone screen and clicked in a box which was saying submit loan application and immediately I received 2 notifications of XXXX and XXXX saying the One Main Financial pulled my credit and I got a hard inquiry. I called to One Main Financial and explained what happened and they said They do not do anything about that on the phone and I have to send a letter to then and I did so after the 30 days by law to that respond me Ingot a letter saying the hard inquiry was legitimate and they do not will remove the hard inquiry from my credit then I sant another letter to One Main Financial saying to remove it from my credit bureau or I will sue the One Main Financial but after 30 days They did not heard back.
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| 01/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
Older American |
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Loan was paid of with the Loan insurance do to me becoming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company refuses to stop harassing calls and threatening to repossess my car. the loan was paid off according to the XXXX insurance 2 years ago. I had to submit paperwork from my doctor to the insurance company which i did and was informed that everything was taken care of. I have contacted and let the company know that I have a POA and they refuse to speak with her and continue to call me daily unto 6 times a day and weekends this has affected my health do to the stress and my current XXXX XXXX ; XXXX XXXX XXXX and XXXX condition. I know that there is a fair debt collection act and a right to privacy act that has been violated also i am a senior. some of the violation are the 12 CFR 1006.18 ; 1006.14 1006.10 1006.26 1006.42 1006.6 just to name a few and the telephone act and the right to Privacy Act.
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| 09/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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On XXXX received call from XXXX @ XXXX XXXX XXXX.
XXXX stated she can help with a deferment plan and also help with removing the incident that happened in XXXX.
XXXX didnt remember what she has said during the conversation.
XXXX didnt offer the additional she mentioned from the beginning of the call.
XXXX laughed at me, very unprofessional.
XXXX was hesitant to provide me phone numbers and address.
XXXX did help with the deferment however the verbiage provided was too quick to fully understand and not clear.
XXXX said they sent me via mail and email details of a deferment plan however I never received such notifications.
If proper communication was done via mail or email with a deferment plan, the late payment and additional interest charges would have been handled immediately and not till XXXX.
XXXX was advised that communication should be done via mail or email.
Best practices were not utilized by XXXX or the company.
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| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My car finance company called to thank me for paying on time for the past 4 months and asked if I would like to lower my interest rate. I had to take another call and in that time he ran my credit without my permission. He called me back and said he can lower my interest rate to 20 % after looking at my credit. I paused and explained I never gave permission for my credit to be run. Im in the middle of looking for a new home and having a baby in XXXX so I would never allow my credit to be viewed while Im in this process because a home is more important right now. He apologized for doing this and said he has never done this before without permission and this was the first time. He gave me the number to the credit bureau to file a dispute but the credit bureau said they cant remove it but that only the financial institution can which he told me that he couldnt. One Main Financial is the company that ran my credit without permission.
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| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, XXXX, AND XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with ONEMAIN, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting ONEMAIN delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
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| 12/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2022 OneMain Financial baited me into applying for a personal loan under the guise that the loan would be unsecured by telling me I was preapproved for XXXX separate unsecured loans. After I submitted my application they they switched the terms of the loan by changing it from an unsecured loan to a secured loan. They are now asking me to put up collateral even though they baited me into applying to an unsecured loan.
This is illegal, loan companies CAN NOT bait consumers into applying for loans and then switch the terms of the loan once the consumer takes the bait. I am demanding this company delete the hard inquiry they just put on my credit reports. I did not authorize them to pull my credit for the secured loan. Failure to delete the hard inquiry from my credit report for a loan I never intended to apply for will result in me taking legal action against this company for their illegal bait and switch practices.
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| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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My complaint is against one main financial, I was going to be late with my monthly payment in which my XXXX XXXX which has XXXX miles on it was used as collateral. I was basically forced into a refinance, my 2 refinance and I asked if it would add to my balance and it did. My refinance was done several years ago and making monthly payments and balance remains at {$12000.00}. I filled a complaint on line received a call from one main that went no where, high interest rate. The refinance only lowred my monthly payment that was it. Also the add on, roadside assistance, insurance in case I cant make payment was added on as well. My question is, are there interest they are charging in line with Alabama law? I dont have exact dates of latest refinance but it was around XXXX XXXX near covid outbreak. If there is a class action against I truly believe I should be included. I want online and saw numerous complaints about one main.
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| 04/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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First- OneMain has CONTINUOUSLY added lender placed insurance to my secured personal loan that was secured with my car. They NEVER warn me that it will be added and then when I show them proof that I have insurance ( and have always had insurance ) they never refund the full amount they charged. Additionally, they charge interest of 30 % on the lender placed insurance for the month they have it on. Most recently, I showed them proof of insurance, and they didnt remove it. Then after 11 months, they did remove the charge. But then they added it back a few days later. They FINALLY removed it- but NEVER credited the interest I paid for over a year on {$500.00}. Also- the max interest allowed by law in NJ is 16 % on an auto loan- but they say mine is a secured personal loan and charge me 30 %. But they wont tell me the difference between a personal loan that is secured by an auto and a regular loan that is secured by an auto.
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| 08/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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On XX/XX/XXXX an employee from One Main Financial called my employer in regards to a past due balance on my account. This person requested to speak with me. Upon being advised that I was not available this person told my coworker that the call was in regards to a garnishment. I am currently not being garnished by this institution. My last payment was submitted in XX/XX/XXXX which ; does make my account even half way close to filing a garnishment. Last and definitely not least ; it is ILLEGAL to disclose any information to anyone other than the debtor. I have always paid on time until just recently due to the pandemic. I intended on calling them to discuss payment, however Im currently trying to dig myself out of a hole maintaining the bare necessities of my household. I do not deny that I owe the money. My issue is their blatant disrespect of my privacy. This kind of treatment is unlawful and should not be taken lightly.
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| 07/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I called the branch on XX/XX/XXXX, where I received my loan from and inquired about the interest rate that I'm being charged. I explained that I'm paying almost double my principal amount in interest. The gentleman that I spoke with said that there is nothing that he could do about it. My loan for {$11000.00} that I received in XXXX of XXXX, was a refinance on a loan of {$7500.00} that I had already been paying on plus an additional {$4000.00} that I was receiving at that time. He said that I agreed to a 5 year loan and that my pay off was {$10000.00} plus dollars. I said to him that this was predatory considering that I pay {$350.00} a month and out of almost {$4000.00} dollars worth of payments that had been made less than a {$1000.00} went towards the principal amount. He explained that when I finish the payment in 5 years I will have paid over {$21000.00} dollars for an {$11000.00} loan. That in itself is criminal.
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| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here.
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX Accounts : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not deleted these accounts Collection Accounts : I do not know these collections accounts.
1. XXXX XXXX XXXX - {$1500.00} 2. XXXX XXXX XXXX - {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX.
Credit Cards : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not update the accounts.
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1. XXXX XXXX XXXX XXXX XXXX - {$3700.00} 2. XXXX XXXX XXXX - {$1300.00} 3. XXXX XXXX XXXX - Master- {$790.00} 4. XXXX XXXX XXXX Visa XXXX {$1800.00} 5. XXXX XXXX XXXX XXXX - {$16000.00} Kindly help me.
I am the Victim of HARD inquires, un-authorized charges.
Regards XXXX XXXX
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| 02/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
Servicemember |
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At the beginning of the week, XX/XX/2023, we put in an application for a joint personal loan with OneMain Financial. We provided all needed information for the application and set an appointment for XX/XX/2023 to sign for the joint personal loan we were approved for. Upon arrival for the appointment, we were told we were not able to get the personal loan due to one of the credit scores being frozen and could not be processed. The employees and the company had ample time to notify us that we needed to have all credit scores unfrozen before coming in to sign. The employee did attempt to resolve the issue after unfreezing the one credit score that was needed, which resulted in the running of the credit score three separate times for one of the applicants on the joint application. Now, we will be working with the three credit bureaus to get the hard inquiries removed due to this companys negligence and lack of information.
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| 09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2021 I received a letter from OneMain Financial stating that I requested a verbal request to stop contacting me by phone and/or mail.
They have permanently removed any cell phone numbers from my account and from automated dialing system and placed a note on account to discontinue all collection call to me.
They apologize to me any inconvenience caused. To ensure that they are meeting my communication expectation, it would be helpful if I complete the information at the bottom of this letter they I will attach and return it to them with means of communication phone numbers written email text or other.
Immediately phoned the number listed on letter and I spoke with a XXXX on XX/XX/21. She did confess that this letter is in fact a " Retaliation '' from the claim I submitted.
This is an ambiguous letter made up from OneMain Financial.
*On the contrary I am waiting for explanation on another claim.
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| 06/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am currently applying for a HELOC with XXXX XXXX. When they pulled my credit there was a credit inquiry on the account from XXXX XXXX XXXX that I did not conduct. I did not apply for any credit at all. I called them to dispute and then sent in a dispute letter through the mail that they received on XX/XX/XXXX telling them that I had not applied for any credit ( through any company ) and asked them to remove the inquiry from my bureau. They sent me a form letter denying my claim telling me that they had permissible purpose to pull my credit when I applied for the loan. I had made it clear to them that I had not applied for any loan. They did nothing to investigate my claim. If I had applied for a loan through them I would have proof of that and should have received some form of adverse action to my address. None of that happened so I did not even know someone had fraudulently applied for a loan using my name.
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| 04/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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1st let me say that my payments are 2 months ahead of schedule. The issue is how OneMain Financial applies my unemployment insurance payment, that I purchased through their company to cover me just in case I was unemployed or XXXX.They apply the payment to benefit ONEMAIN If there are payments received over a 30 day period, let 's say 38 days because I may have gone over 40 to file claim for payment. ONEMAIN will apply the 30 days as a payment and the additional 8 days as interest. Each time there is an overage they would take any overages to benefit ONEMAIN not to reduce my principal thereby reducing my daily interest. There is a partial payment made and a full payment both benefiting ONEMAIN not me It is my payment as I purchased tne coverage O should have a say whete the over payment is applied and I SAY APPLY IT TO MY PRINCIPAL SO MY DAILY INTEREST WILL DECREASED NOT TAKE MY PAYMENT and apply to interest
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| 07/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Servicemember |
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First of all they asked me for a {$100.00} fee then they got all my information from me and they deposited money in my account and then they wanted me to go and get pre paid cards so I can raise my credit score. Well never had a personal loan before I went and got the cards. Well in the meantime this person told me he will put in XXXX $ in my account and then I had to repay him with the cards. So my bank account got closed because they seen funny stuff going on. So I told the gentleman that I had to call the bank and he told me not to say anything about a loan or anything. Witch I was surprised to hear. So I told my bank a story and the loan people were on the other side listing to the conversation I was having with my bank and he would text me things to say. So now I owe my bank XXXX $ witch I dont have and one more check they deposited for 2000 $ so I am now trying to get my self out of trouble for fraud.
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| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/XXXX, ONEMAIN FINANCIAL SERV add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 07/16/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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It is my job to hold you in compliance with the Fair Credit Reporting Act however it is still my responsibility to make sure every item is reporting accurately so that my credit report is fair and equitable to me, so take notice! Initially I was writing to you to challenge you to verify the validity of the accounts listed below, but then I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following accounts inaccurate! Onemain FinancialXXXX XXXX Pursuant 15 usc 1666d- whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor shall refund any part of the amount remaining credit balance and make good faith effort to refund to the consumer by cash, check or money order.Onemain Financial- XXXX
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| 07/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I applied for a personal loan with this bank for my husband and I under our name and our own socials. In middle of the day I had a complete stranger knock on my door claiming that I had stole his identity and was trying to get a loan. I asked him who gave him my home address and he stated that one main financial did along with my email address, my driver 's license number, MY HOME address and phone number so he can track me down. This man had the same name as my husband and same last 4 digits on his social as mine. So someone at one main financial badly screwed up 2 different people 's information. When we called the bank together, of course they denied everything. They gave my personal information to a complete stranger who showed up at my door, the situation could of went in so many different ways even really bad, luckily it did not and we came to realization that few people at this bank messed up bad.
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| 07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My XXXX credit report incorrectly listed one of my prior loans ( One Main Financial ) as 30 days past due in XXXX of XXXX, whereas my XXXX and XXXX credit reports correctly reported that the account was not 30 days past due in that month. In fact, a One Main Financial representative assured me in XXXX that no negative information would be on my credit report because the delay in payment was caused by a technical glitch. I requested in XX/XX/XXXX that One Main Financial correct the information on my XXXX report. Rather than fix the problem, One Main Financial took retributive action against me for disputing the XXXX credit report and changed my XXXX Credit Reportmore than 5 years after the factto incorrectly state that I was late on my payment in XX/XX/XXXX. A consumer should not be penalized for disputing inaccurate information on their credit report, but that is exactly what OneMain Financial has done.
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| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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Inquiry was made on my report by OneMain financial on XXXX XXXX. I have never even heard of this place until I saw a notification on my credit report about a hard inquiry. I called and received the worst customer service ever. She tried asking for my entire social over the phone, I told her I dont feel comfortable giving out that information, maybe last 4. You never know what she is saving on her computer or writing down. She received no results from a last/first name lookup and all she said was I can dispute it. Basically the run around. I can dispute it with whoever reported the hard inquiry, I.e XXXX or XXXX XXXX. They supposedly cant do anything with my full social given over the phone. I said no and after much back and forth, she looked me up by first and last name. When that didnt come up, she asked for my last four of my SSN. Where was that option before asking for my full social over the phone?
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I have filed a FTC report for fraud on XX/XX/23 as I have no knowledge of and have not opened the account showing on my credit report for OneMain. OneMain first reported this account to the credit bureaus on XXXX. I have reached out to OneMain and provided them my FTC report copy, a copy of my driver 's license, as well as a copy of my insurance bill. Still, they continue to report to the credit bureaus that this account is accurate and mine. Their support further advised that there were actually 4 accounts under my name with 4 different socials and the agent was unable to confirm if they had been closed. OneMain followed up that they did close my account but deny three other accounts under my name and home address with three other social security numbers. Why would a rep make this up? Your lines are recorded! What OneMain is doing is wrong. They are aware of fraud and continue to report inaccurately.
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| 01/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I am writing to dispute an unauthorized draft attempt in the amount of {$130.00} from my XXXX XXXX checking account ending in XXXX, on XX/XX/2023, XX/XX/2023, and XX/XX/2023.
The charges are in error because I did not give permission for auto draft payments to draft from my account ending in XXXX, rather I gave permission for the bi-weekly drafts to be drafted from my XXXX XXXX checking account ending in XXXX ONLY.
Due to One Main Financial agents negligence, I have suffered embarrassment and financial hardship, because I was charged overdraft fees from my rental office for rent payments I scheduled with them. I also received overdraft fees from XXXX XXXX XXXX XXXX.
The overdraft and return check fees charged in total = {$110.00} I am requesting that the error be corrected, that the {$110.00} in return check fees and overdraft fees be paid directly to me by check from OneMain Financial immediately.
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| 11/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint.
I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Springleaf XXXX XXXX XXXX d/b/a/ OneMain Financial. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act by Springleaf XXXX, XXXX XXXX OneMain Financial on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Springleaf XXXX, XXXX XXXX OneMain Financial with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }.
Springleaf XXXX, XXXX XXXX OneMain Financial is now civilly liable to pay me for the damages.
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| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I had different accounts with Springleaf Financial from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted XXXX and Springleaf and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on XXXX and Springleaf Financial. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.
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| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I had a debt with One Main that they charged off. It shows on my report as charged off however the amount owed is incorrect from the original amount owed in addition to it stating that I have a balance owed. They also keep changing the date of the debt. It is over three years old almost but they have it reporting as a new debt. They can not charge the debt off and get compensated on their financial reporting status and still post on my credit report as a balance owed. XXXX says they have investigated more than three times I believe but will not delete the erroneous information on my credit report in addition to making it look as if it is a new debt. Please have the items removed from my report that are in violation of debt reporting guidelines. They have recently posted it as XXXX XXXX in the amount of over XXXX. As you can see the debt amount was XXXX and was written off by One Main Financial.
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| 04/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Older American, Servicemember |
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I am XXXX XXXX XXXX. About 10 years ago, I was approached about getting {$10000.00} for a personal loan from One Main Financial in XXXX XXXX, Ca. A lot of my older friends at the cafe was approached. I have a balance of over {$6400.00} which has taken me years upon years to get to this balance. My daughter told me this is considered a predatory loan that sometimes older people who dont know any better are approached to get. They asked me to bring in my wifes information ; retirement statement, income but said she did not have to sign anything. My daughter who is now speaking on my behalf approached them to resolve and forgive the balance of the loan but they will not. I am reporting them to you and would like this off my credit report. I do t have long on this earth and I do not want my children and wife to suffer for my missteps in getting involved with a predatory loan. I appreciate you help.
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| 07/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
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Web |
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On XX/XX/XXXX, I contacted lender to pick up their collateral of my vehicle, sell the vehicle and apply proceeds to balance. Unfortuanely, after many calls and emails they have not obtained property from my residence, and have fradulenty reported this as bad debt, and has sent my info to an attoreny for collection without adhering to the signed contract on XX/XX/XXXX, which indicates GA Penal Code 11-9-610 default per collateral. I am attaching all documents to support my complaint. The law firm that is now harrassing me is none other than : XXXX XXXX XXXX, XXXX ; of XXXX AL. I was unemployed and was unable to make payments, and therefore, I honored our agreement to surrender my XXXX XXXX XXXX to comply with contract. However, One Main Financial has breached their commitmement to take possession, and have now submitted false information to all three credit agencies as a bad and derogatory debt.
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| 11/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.
[ XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable te provide that proof, or if lacking proof of these payments being late. please update my_payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws
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| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Upon review of my credit report, I see that I have late payments in XXXX. According to the Federal Trade Commission Act 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment is due. As you can see from the attached state email, the statement was delivered on XX/XX/XXXX and the due date was XXXX XXXX. This is a violation and I am requesting ALL late payments be removed from my credit! I am not against legal action if this is not resolved in the next 30 days. This letter was sent certified on XX/XX/XXXX and I have not received a response which is a violation of my rights.
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| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This is a joint account please correct both consumers credit reports in which both are inaccurately reporting. I and joint applicant have been having a ongoing issue with the inaccurate reporting of One Main on our credit report. To be specific XXXX and XXXX records an inaccurate derogatory account rating on a {$0.00} balance owed account and does not coincide with XXXX account rating recorded as Paid. XXXX have been also notified numerous of times to correct its recording of an Open Account, XXXX is the only credit bureau that actively reports this account monthly as Open in the payment history. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA.
Please Help!
OneMain, XXXX, and XXXX have been notified of these errors that have yet to be corrected. I have enclosed documentation and my authorization to investigate this matter.
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| 04/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I opened a loan with One Main Financial. I had one insufficient funds fee about 2 years ago. When I called to pay the fee the loan officer told me not to worry about it and to keep making payments. I was almost done paying my loan when I couldnt make my last 2 payments in XX/XX/XXXX. I spoke to several people including XXXX about not having money due to being laid off and unemployment not processing my payments. They were rude and called me almost every day at different times of day harassing me for payment. I was finally able to pay my last installment in XX/XX/XXXX. I thought I was done. Then I received a call from One Main that I had to pay the insufficient funds fee ( I had forgotten ) but I also had to pay interest on that fee. I asked for an explanation as to why I was charged the fee but the guy on the phone just said I had to pay it. I paid it so I wouldnt get called every single day.
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| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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OneMain have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; OneMain is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..
15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 07/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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Web |
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I contacted them when we first got the loan back in XXXX after we made a few payments. I told OneMain Financial why isnt our money we are paying not bringing our balance down. I told OneMain Financial that this isnt right you all didnt disclose this high interest rate in the loan disclosures neither did OneMain Financial send us loan disclosures of this high interest rate. I asked OneMain Financial to reduce our interest on our loan and they said they couldnt in XXXX.Our loan payment is {$780.00} a month and only about {$9.00} goes to principal. This isnt fair lending practices. We did get behind in XX/XX/XXXX on our loan and OneMain Financial began calling and harass my relatives telling them that they needed a payment for my husband and telling our information about our account at OneMain Financial. These lending practices and harassing calls from OneMain Financial is very unethical.
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| 02/27/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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I have a loan with XXXX XXXX XXXX, and it is due on the XXXX of each month. But since the Gov. of La. shut things down I have lost my job, but I pay the note, but it has to be on the first of the following month. So at most, it is usually 6 or 7 days late. But it gets paid every month, it is not behind. But the company calls at all times of the day, and during my work hours. For example, the loan is only 2 days passed and they called me 4 times. There are even times that they call me from different numbers or at one point had a friend of their 's call my cell. so they obviously gave my number out.
I have told them repeatedly that I will make the payment on the first and they keep calling, at times they are rude. Obviously they are deceptive and misrepresent themselves. I am doing the best I can, It is not my fault this state decided to shut things for no reason, which cost me a job.
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| 07/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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On XX/XX/XXXX, I provided information to obtain an offer for a personal loan to consolidate credit card debt. After providing my income and monthly rent, I was offered an unsecured loan at 13.97 % APR for {$10000.00}, payable in 36 months, which I accepted. Upon filling out the paperwork to obtain the loan pursuant to that offer, I was then called and advised that my offer was changed to 18.99 % APR for a secured loan or 19.99 % APR for an unsecured loan, both payable over 60 months. OneMain utilized and unfair and deceptive bait-and-switch tactic to entice me into providing my personal information under the premise that I was obtaining a loan at 13.97 % APR for {$10000.00}, payable in 36 months, to then try to manipulate me into an unfavorable loan at a much higher interest rate. When I told them that this was deceptive and unfair, they told me to proceed with filing a complaint.
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| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
Older American, Servicemember |
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I have hard inquiries on my credit reports that I did not initiate, have any knowledge of, or have any complicity in. Not did I personally authorize any of the hard inquiries. I did or have filed disputes with all three credit bureaus regarding the unknown and or unauthorized inquiries and all three credit bureaus have denied my disputes and notified me they can do nothing and for me to contact the company or entity that made the inquiries and ask them for assistance. I did contact entities that made hard inquiries and as of present date and time, no assistance has been given and no corrective measures taken. The companies that have made the hard inquiries are : One MainFinancial conducted on XXXX, XXXX, and XXXX. XXXX XXXX conducted on XXXX and XXXX. XXXX XXXX XXXX conducted on XXXX and XXXX. XXXX conducted on XXXX. XXXX conducted on XXXX. And finally, XXXX XXXX conducted XXXX.
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| 10/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
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hello. i was trying to refinance with one main financial. i submitted all of the initial documents and she called me back while i was still at work. she she she needed a bank statement showing all of my recent transaction and wanted proof of the deposits because they didn't believe the ones i sent them. i was a little uncomfortable with this and asked XXXX if i was able to send it the next day because i was still at work and just felt a little uncomfortable and wanted to think about it. she also said it was her managers discretion and i asked if i called a different branch of one main that i could possible get the loan and she said yes to that. when i got home to upload the documents they closed it because I'm guessing she wasn't getting the commission for it or what. this really bothers me because they pulled my credit and i didn't get a fair chance to get approved for the loan
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| 10/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Onemain financial broke 3 laws and i need to revoke my signature and this contract needs to be terminated immediately.
I have been harassed everyday by onemain financial. It is illegal to harass a consumer!!!!!
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. i have much proof of them harassing me!!!
Its against the law for creditors to charge consumers with late payments! ' According to 15 usc 1681a, consumer reports are not allowed to include transactions!!!
This is against the law!!!
Lastly My contract did not include the sum of all charges 15 U.S. Code 1605 indicates that the finance charge has to be included with the sum of all charges. That did not happen.
This contract needs to be terminated immediately!
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| 09/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
Good Morning, I currently have an installment loan with OneMain Financial and recently XXXX XXXX XXXX XXXX XXXX. I thought I was protected but the add ons that the OneMain Staff pressured me to purchase, ballooning my payment from {$250.00} a month to {$370.00} a month doesn't apply since my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't cover. Additionally, the I contacted OneMain several times at their local office and their main office to cancel the policies, however they still have not responded and I am still getting these substantial bills for addons. I even completed the appropriate cancellation paperwork and submitted it to both offices, however they continue to ignore the emails.
I believe that OneMain Financial violated UDAAP by pressuring me to quickly agree to the loan terms while on the phone and " waving '' over the additional cost and eligibility requirements.
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| 11/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
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Approved me for a title loan that was an amount larger than the value of the car, I believe this was a predatory action taken on someone with no other loan options due to credit status after extensive medical bills and a divorce. The car was totaled in 2021, I had full coverage insurance so they paid out the value of the car but the balance of the loan was still nearly 2-3k over the amount that was dispersed, I had a period of hardship for months after that with nearly no income and needing to replace my car as well without any assistance from insurance because it was paid directly to OneMain financial. They contacted me constantly via email, phone, and mail for months until I enrolled in a debt management plan that included this loan. I once again experienced an extensive period of financial hardship this year ( and still am ) and theyve begun contacting me repeatedly again.
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| 07/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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On around XX/XX/XXXX. I applied with One Main Financial in XXXXXXXX XXXX. The loan representative was excellent in making me believe this loan was not as interest-bearing as the previous loan I had with XXXX XXXX. I was OH SO WRONG, and regret ever dealing with this company. I received a loan for {$3500.00} and here it is XX/XX/XXXX and I am being told the payoff for this loan is {$3100.00}. ARE YOU KIDDING ME? A COMPLETE RIP OFF. I have made biweekly payments for the last year and I still owe the same amount I received. One main was very misleading and it seems like I will never get this loan payed off..now my payments have changed to {$180.00} a month and I see no changes in the Principle balance. It should be illegal for companies such as One Main Financial to take advantage of customers when they are already struggling financially to have to take out these type of loans.
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| 11/03/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
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My monthly installments are due on the XXXX of each month. Due to unforeseen financial crisis, I have not been able to reach the payment on that date, however able to make the payments the following pay period. I requested to change my due date but was told I wasn't able to. Due to my financial situation I am able to make the monthly payments towards the principal loan, unfortunately this incurs late fees, which I am unable to pay in addition to the principal at this time.
One Main Financial continues to call my personal cell during work hours at least five times a day from several anonymous phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've requested them to please stop calling during work hours threatening to confiscate my vehicle.
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| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Older American |
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Please Help Me with this crucial situation, I have been paying on this loan since XXXX, I am a widow, and on Social Security, My Credit Report shows what., One Main Financial, has fraudulently been taking and taking $ $ $ from me! 6 years, I have. Pd. For 3 cars by now, I have not been able to get out, b/c, of the pandemic One Main in XXXX, IN., all last year harassing calls every day, when I made all payments, Adding new loans and inventing new ones, it shows on my credit report., example : on XX/XX/XXXX ( unsecured what, never pd {$89.00} for. No loan nor signed a document for this I have pd and pd. I can not pay this no more, please help me, I go on line to look at all my statements and it does not show all payments that I have made?? Never refinanced with One Main, XXXX $ ever Month!! I have or will show if need to ALL PAYMENTS probably amounting to 25,000 or more!!!!
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| 08/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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I went online applied for a XXXX loan was offered XXXX secured oelr XXXX unsecured. The agent I spoke with XXXX on the XXXX of XXXX had XXXX upload my info in the system and also email my tax return and stated they would call me back and failed to do so. I called the branch this morning and was told they are short staffed and he'll get around to it when he can my another rep. I called the corporate phone number and spoke with a representative and explained that I hadn't got a answer back if I was approved. She said you were for XXXX but give me a min. Then connected me with XXXX who also had me re-upload my info and stated she would look over and call me back. I called back about XXXX and was stated you were not approved. Because Onemain had used my credit card to enter into a transaction with me and failed to do so they violated 15 U S Code 1602g,1602p, 1681n, and 1681o
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| 07/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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XX/XX/2020 Called OneMain Financial XXXX branch where I took the loan to make sure payoff check was received, spoke to " XXXX '' on the phone and they received the payoff check. XXXX claimed the check was received and then started going into collection practices and started asking me when I could pay more money on the loan. I asked him please don't ask for me for money right now, then proceeded to ask about the GAP insurance, he immediately told me I came in and signed a form cancelling the GAP insurance, this is not possible, because I've never signed any form to cancel my GAP insurance. If a form was signed it was not from my hand and was most likely fraud on OneMains part. He then stated I needed to talk to the manager to pay off the rest of the loan, I asked XXXX to never talk to me again, because he is trained in improper collection techniques by OneMain Financial.
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| 08/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XX/XX/2022 I called One Main Financial. I stated to them I was at a place to pay off the debt I owed in the amount of {$7700.00}. A lady name XXXX ( ID # XXXX ) told me that the debt was sold to XXXX XXXX XXXX and that One Main Finanical did not have my vehicle title. I called XXXX XXXX XXXX and they asked me did I want to pay the debt. I told them before I paid the debt back that I needed to see verification/validation of the debt and my vehicles title before I paid. XXXX XXXX XXXX is saying they don't have my title that the original creditor does and One Main Financial is saying the collection agency XXXX XXXX XXXX. This has been a merry-go-round for the past month. No one can answer questions, no one can provide proper documentation. I went to the XXXX and a paper showed me that One Main Financial was technically still the lien holder. I really need your help!
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| 09/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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On XX/XX/XXXX I Received a Notarized Statement from OneMain Financial that stated that my Account was Paid in Full. Nowhere on the Notarized Statement does it say this was a settlement for a lesser amount, or does it say Account Paid in Full for less than full balance. The Notarized statement does say This loan has been satisfied on XX/XX/XXXX. OneMain Financial continued to harass me for 13 months and they finally sent this account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Reference Number XXXX Balance Due {$8800.00}. I disputed the validity of this debt within thirty days from receiving this notice on XX/XX/XXXX. On XX/XX/XXXX I received a Letter from OneMain Financial Stating Re Account No. XXXX Date of Loan XX/XX/XXXX Stating that " This letter serves as verification that the above-referenced account has been Settled in Full and closed. ''
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| 05/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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|
Web |
Older American |
|
I had a desperate situation with family health issues. I just needed {$4000.00} to take care of business. I saw an add with OneMain Financial Bank. They wanted to give me {$30000.00} instead. Little did I know they would not give me the cash unless they wrap my car loan with the {$4000.00} I needed.
My wife and I had a {$25000.00} car loan with XXXX XXXX XXXX at a rate of 6 % for five years. An affordable monthly payment of {$440.00} Because of the {$4000.00} we needed, will be paying OneMain Financial the same loan at a rate of 18 % for five years ( {$760.00} per month ).
I am having a lot of problems with my wife for turning OUR 6 % loan into MY 18 % loan.
I desperately needed to resolve our issue and did not think what I was doing. This is financial terrorism. I hope you can help me lower this monthly payment since I am not working at this time.
XXXX XXXX
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| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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|
I was alerted via text by a company called One Main Financial, the {$6000.00} personal loan papers were ready to sign. This happened on XX/XX/2023. I called the XXXX, CA branch and paid them a personally visit. I was told that the person I spoke to on the phone XXXX was not there. Just a young lady was at a desk behind a stack of papers. I asked her for the loan documents that were in my name and gave her my driver 's license to verify me. She refused. Said to call a number in Texas. I tried many times trying to get a hold of a XXXX without any satisfaction. This is part of a fraud series of events and is among one of 43 inquires for credit or loans by this fraudulent individual. I do not know the status of this loan but they at One Main Financial said that it originated on-line request with XXXX XXXX. I have made no dealings with XXXX XXXX or One Main Financial.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX, my credit report was pulled by XXXX XXXXXXXX XXXX and this was not by my consent.
I would never try to apply for any XXXX services and I have never been interested in doing so.
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome.
I am not sure as to why XXXX is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with.
I need this taken off of my credit report.
-- -- OneMain Financial has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.
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| 03/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, OneMain, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law.
As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).
Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
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| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX One Main- unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX, I was told to file a complaint with the FTC, which led me here.
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| 05/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
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I am facing extreme financial hardship in medical problems. I had spoke to one main financial multiple times to try to assist me. Every time I call them I am giving the runaround.. I try to ask for different programs that they might offer that will allow me to reconstruct the loan where it's more affordable for me to pay and lower down the interest rate. Each time I'm not provided the necessary assistance in order to help me. It seems like I've been paying all this time in the payments are not even going anywhere. It seems like nothing 's actually going to principal. When covid hit. I was furloughed for my job. During all those months it was a extremely difficult. Even though I had returned back to work, the company has not been fully operational back to the way it should be. Still I'm not getting the required hours. They had multiple cuts across the board.
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| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I filed bankruptcy in XXXX which included and account with : One Main Financial XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX After my bankruptcy processed, One Main financial re-reported the same account that was discharged in bankruptcy as being late and over-limit.
I have disputed this matter with both XXXX and XXXX, who keep reporting the information is correct. My disputes were never that the information was wrong -- but that the information was discharged in bankruptcy and should be removed from my credit report. To date, the information is still on my report.
XXXX and XXXX will not remove One Main financial from my credit.
I have also notified One Main Financial of the bankruptcy and discharged debt. They still send collection notices and call to collect the debt -- post discharge. They still constantly report late payments to my credit report.
|
| 07/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My wages started getting garnished without any notice whatsoever. No voicemails, no letters in the mail, nothing. Then out of nowhere they started taking XXXX of dollars out of my account every week. I never looked at my paystubs because they come in the mail, I just look at my bank app to see what was deposited. I took my short check issue to my supervisor because I thought they had messed up the payroll. When i opened my pay stub for the first time I had already paid almost XXXX dollars in a matter of weeks. I called them to try and work out a payment plan and they told me its already too late. Told them if this goes on for 3 months ill lose my house because I can not afford XXXX a month. " Still nothing we can do sorry '' only documentation I have of this garnishment is from my employer XX/XX/21 I didn't get the letter until the beginning of XXXX.
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 11420
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Web |
Older American |
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I was alerted through my credit card watch that an unauthorized hard inquiry was completed on my credit report without my consent. I did not authorize One Main Financial to process any credit checks on my behalf. I have never had any dealing with this company.
I called their customer service number on XX/XX/XXXX who forwarded me to a local branch based on my zip code. I spoke with two different agents who claimed my information was not found in their system despite their company information showing on my credit report.
I was advised to contact the credit companies with my concerns. The inquiry on my credit report shows as follows : ONEMAIN FINANCIAL Inquiry : XXXX. XXXX, 2023 - Finance/Personal ( XXXX ) XXXX See an error?
Find out how to dispute a hard inquiry Institution Information ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
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| 12/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed with ONE MAIN FINANCIAL about a unauthorized Hard Inquiry on my report. I have sent several dispute letters to XXXX and this issue has still not been resolved. It has now a very stressful and frustrating situation. I sent dispute letters to XXXX and One Main Financial. The first letter to One Main Financial was dated XX/XX/XXXX and the another one dated XX/XX/XXXX. I also sent a dispute letter to One Main Financial dated on XX/XX/XXXX and received a response letter that was dated on XXXX and another letter on XX/XX/XXXX that stated " ACCORDING TO OUR RECORDS AND THE CREDIT REPORTING AGENCIES ' RECORDS, THERE ARE NO APPLICATION OR ACCOUNT-RELATED INQUIRIES BY US FOR THE DATES YOU HAVE REFERENCED IN YOUR LETTER ''. There is no record of any inquiry made but it is still being reported to the CRA 's. I need this inquiry deleted immediately.
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| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
Servicemember |
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I tried to obtain An installment loan and I met the requirements from the initial underwriter XXXX ..but as we got closer and closer to me signing the underwriters documents ... XXXX asked me to come in to give them documents that I could not receive as it was advertised on the news that transcripts/ taxes for 2020 are delayed .. I also had someone from the XXXX on the phone at the same time as XXXX explain that it was too early to provide transcripts ..I provided my tax returns from XXXX and I underwriter claimed that wasnt enough..
Afterwards the underwriter asked me to clarify a car loan that reported on my credit report ..once I verified it she asked if my car note was lower which had nothing to do with my debt to income ratio recorded ..everything was fine until I sent in my id ... i feel XXXX discriminated against and its not right
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| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
Older American |
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On XX/XX/23 prior to sending my request for credit with One Main Credit Co I placed a call to inquire whether the the credit request would be a soft or hard inquiry and received confirmation that it would be a soft inquiry with whom ever I was speaking with., now the very next day XX/XX/23 at about XXXX XXXX XXXX while checking on my credit profile I see a hard quiry from One Main Credit on my credit file, I'm very upset of the misleading effet they generate with me and consumers as a whole, I then placed another call to them to now been told that it was to be a hard inquiry and I then request that it be immediately removed for the misleading information generated and harm it caused to my credit file ... ..they proceeded in giving me the run around by transferring me from one person to another without resolving my issue thus my complaint.
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| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is a follow-up complaint from my two previous complaints ( XXXX and XXXX ).
A fraudulent actor applied for a credit line with OneMain Financial with my personal information on XX/XX/XXXX. I do not have a relationship with OneMain and never applied for a credit line.
In the prior compliants, OneMain instructed that I fill out an Identity Theft form and file a police report. I did both of these and mailed the documents to OneMain Financial on XX/XX/XXXX.
I have not heard back from the company, so I am filing another complaint as a follow up. I am also attaching the identity theft form and the supporting documents, which include my drivers license and proof of residence ( they do not match the applicant 's credentials ), as well as the confirmation slip I received from the police station ( XXXXPD ) after filing the police report.
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| 06/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I was approved for a personal loan through One Main Financial for {$7000.00}. Im on an auto pay of {$300.00} per month in which only {$25.00} of each payment is going to the principal balance. It has now been a little over one year. Ive paid {$3600.00} in which only {$300.00} has gone towards the principal balance.
Ive requested that {$200.00} dollars of my monthly payment go towards the principal, I was declined. It was said that I had the option to make an additional monthly payment that would go towards the principal, or I could pay the loan off in one lump sum.
Ive been placed in a position that itll take approximately 7 years or longer to pay off this debt.
My question is, is this legal? Does the lender have the right to dictate how much of your monthly payment goes towards interest?
Thank you in advance for your assistance.
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| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ONEMAIN account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Older American |
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On XX/XX/2023, ONEMAIN FINANCIAL made a credit inquiry to my XXXX account. I have never even heard of this company and did no apply for credit or authorize this credit inquiry. When I tried to contact ONEMAIN FINANCIAL, I was not allowed to talk to a person unless I had an account with them. I called XXXX and was able to obtain a phone number that connected me with an actual person at ONEMAIN FINANCIAL. They did admit that they made a credit inquiry on my behalf and would remove it from their system. I asked to be transferred to their fraud department and that did not happen. Their representative was very casual and did not sound concerned. I have placed a credit inquiry freeze on my XXXX, XXXX, and XXXX credit bureau accounts. I was told by the representative at XXXX to file a complaint with the FTC and forward your response to them.
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| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My identity was stolen by my brother. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.
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| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I sent a cease & desist letter to One Main Financial on XX/XX/21 because I never gave them expressed written consent to contact me ( violation of 15 usc 1681 ( a ) ( 2 ) ) after receiving several letter via postal mail and email. The postal letters stopped but the harassing and threatening emails continued ( violation of the FDCPA ( 15 usc 1692 ( A ) ( D ) ( E ) ). No consent is fraud. I also demanded to rescind the entire transaction and was told no because it had to be done in the first 72 hours. Well pursuant to 15 usc 1635 the creditor is required to provide appropriate rescission forms for me ( the obligor ) to exercise my right to rescind. This was never mentioned to me nor was I provided any rescission forms. So the 3 business rule day is not applicable here. This is fraud and there is no statue of limitations on fraud.
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| 10/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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ive already contacted XXXX to initiate a dispute and noticed their not quick at there turn around process. so i did what could to reach out to the company 's on my end ike XXXX rep told me to do. i call one main local office and dealt with the office manger and district managers and also someone from the corporate fraud team. that didn't get me anywhere. so im filing this complaint because im mad at transunion and onemain. i am trying to get something removed from my credit report as a result of fraud and identity theft and if it doesn't get removed with in 60 days i'll start a civil lawsuit. last chance. i shouldn't have to live like i do with these scammers and stealing my identity and harassing me emery and no one 's doing anything about it not locally not statewide not federally. hope you can since that im a bit irritated,
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| 03/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Greetings I took out a personal loan through the XXXX, Michigan OneMain Financial branch in XXXX for {$7000.00}. I have twice asked for a payoff amount and no one can tell me what it is.
I was locked out of my account for the last year. Once I was able to get into my account and look closer at my statements, I noticed that only a {$1.00} goes towards the principal and a {$170.00} is being charged for interest every month. At this rate, it will take me a lifetime to pay it off. Even after making payments arrangements after losing my home and becoming unemployed, they have constantly attacked my credit score to the point where I can not find suitable housing or affordable car insurance. I feel cornered and unable to do anything about this. It took me 2 years to get my XXXX and at this rate, I will never have this loan paid off
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| 09/30/2021 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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OneMain Financial XXXX XXXX - XXXX XXXX XXXX XXXX, Texas XXXX Employee from the office listed above contacted my place of employment and left a message on a General Voicemail for the company - on the voicemail the employee stated my name, that she was from One Main Financial and that I needed to contact her immediately to make payment on my account. This is a general voicemail for the company and not my direct voicemail - Furthermore, I submitted a formal request to XXXX XXXX previously to remove all of my contact information and to cease and desist in any phone related contact. I did not share or provide my current employment contact information either.
Completely unacceptable to call my place of employment when the information was not provide and a formal request was acknowledge and accepted by the Manager of this office.
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| 05/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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My account with One Main Financial was closed nearly a year ago. Paid in full. XXXX balance.
This morning I woke up and One Main had charged me {$570.00} out of my checking. I called one main customer service and they had no way to track it. Luckily, the members name was on my ACH draft. They looked the member up and my banking information was on his account but they also had his banking information.
One main committed negligence and personally damaged me financially. This is no small mistake. My account has been closed for nearly a year. How do you still have my banking information? How is this secure? What security measures are in place? This was unauthorized fraud and negligent. Now Im wasting my time, money, and energy trying to get my money back that was negligently took out of my account. How does this even happen?
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| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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1. I visited A XXXX bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.
2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency.
My legal name XXXX XXXX XXXX And some accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( One main Financial ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped.
XXXX XXXX
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| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The company isn't reporting the correct balance owed after receiving payments from my wage garnishment.I made multiple payments since XX/XX/2023 that are coming out of my check every month. My wages are being garnished the payments received are not being reported to the credit bureaus. Not showing the new balance owed on this account.I am trying to move and having a hard time showing this company is being paid because they haven't updated how much is owed to the credit bureaus. It's showing I still owe an old balance of {$3100.00} when I paid {$700.00} that brings the balance down to {$2400.00}. I reached out to the company by email he hasn't responded to my email requesting them to update my credit report. I have to prove this debt is being paid and the amount that is left on this account so I can get a place to move into.
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| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, ONEMAIN XXXX
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| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Older American, Servicemember |
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After using an organization " ONEMain Finance '' previously one year ago, I simply called to " INQUIRE ONLY '' to what options were available to me. In doing so, a SOFT Inquiry to my report was expressed ONLY. I initially had modest trust from a previous experience in 2021. That is obviously not an option now.
After the conversation, I declined what options they were attempting to solicit.
The VERY Next Day, this company " ONEMAIN '' SLAM my credit report with a HARD INQUIRY as a Retaliatory without my authorization. I was very upset and realized that not only are the rates and business practices dishonest, so are the reporting methods.
XXXX was not able to remove this data and correct the obvious error and false record reporting of an unauthorized hard inquiry.
OneMain XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
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| 10/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Servicemember |
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I received a loan from one main financial in the month XXXX. I have made every payment within 30 days. During this week week of XXXX. They have called me several times a day. I spoke with a representative via telephone call on XXXX and advised the rep I would be making the payment asap and within my allotted time grace period. On XXXX I received a call at XXXX XXXX leaving me a message to call them. They then called me again that same day at XXXX to ask me the same thing. I am receiving multiple calls a day and week for a payment that is 7 days late. I feel harassed and it is affecting my job as I have to be interrupted with calls as I am working from home. The are calling my cell phone and I live in New Hampshire where messages for debts is not allowed. I also believe this is a XXXX violation as well.
XXXX XXXX XXXX
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello my name is XXXX XXXX account XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
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| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent.
Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous.
Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion.
The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One Main Financial XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX One Main Financial XXXX XXXX XXXX XXXX of XXXX. XX/XX/XXXX XXXX
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| 09/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Original loan amount was {$12000.00} which originated XX/XX/XXXX. Beginning XX/XX/XXXXXXXX payments started off {$440.00} and continued until XXXX XXXX without interruption nor late payments. In XX/XX/XXXX, I became XXXX and the insurance covered 5 payments due to my XXXX. Therefore ; One Main Financial has received more than {$12000.00} in payments from me or on my behalf and as of today I still owe more than {$8000.00}. The payoff amount is being stated at over {$9000.00}. Im still XXXX and struggling to make payments and still unsure how the payoff is so high. I didnt begin to have trouble paying until XX/XX/XXXXXXXX and according to XXXX at One Main Financial thats when things got bad on the account. Every payment I have made since XXXX I havent received any credit for and the balance continues to increase.
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| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Servicemember |
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IN XX/XX/XXXX, I NOTICED ALL THREE OF MY CREDIT SCORES WENT TO ZERO. AFTER TALKING TO THE CREDIT AGENCY 'S I FOUND OUT THAT ONE MAIN FINANCIAL REPORTED TO ALL THREE CREDIT AGENCY 'S THAT I WAS " DECEASED ''.
I SPOKE TO ONE MAIN AND THEY ASSURED ME THE ISSUE WOULD BE SOLVED. IT WAS AND MY CREDIT SCORES WENT BACK TO NORMAL.
THEN AGAIN IN XX/XX/XXXX, THIS HAPEENED AGAIN. THIS TIME RESULTING IN SOME OF MY OTHER CREDITOR 'S CLOSING MY ACCOUNTS BECAUSE I WAS REPORTED DECEASED BY ONE MAIN FINANCIAL.
I SPOKE WITH ONE MAIN AND THEY SAID THAT THEY TRIED TO RESOLVE IT BUT FOR SOME REASON IT DID NOT UPDATE CURRENTLY.
MY XXXX AND XXXX SCORE HAVE BEEN RESTROED, ALTHOUGH LOWER THEN THEY WERE, BUT XXXX IS STILL SHOWING MY CREDIT SCORE IS A ONE. I HAVE APLLIED FPR CREDIT AND I AM BEING DENIED BECAUSE OF " NO CREDIT HISTORY ''.
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| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I didnt authorize any or these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX ONEMAIN FINANCIAL Inquiry : XXXX XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX +
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| 08/09/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I obtain a loan with One Main Financial. Its been a horrible process. They approved me with a larger amount and 2 hours before I come in to sign they change it to a lower amount. I was desperate and took the loan, trying to pay but having other financial issues due to the lies of the help desperate people to trying to get a loan, I filed a complaint with the executive office i was getting a response and then they ghosted me I am getting multiple calls sometimes 4 times a day like today and 12 in week this week along with multiple text messages I have told them over a week ago that they have called me now 10 times in the last 4 days I said i would be in the Wednesday of last week and to stop contacting me wasn't even a 2 hours and getting another call they respond and say ok we will make a note and they still call
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| 01/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I made two payments in the month of XXXX. Minimum payment due was {$300.00}, and both payments totaled {$7000.00}.
I paid {$6900.00} on XX/XX/20, and {$100.00} on XX/XX/20. Interest was deducted from both payments instead of applying the additional payment to principle only.
I tried to contact one main, but there are extended wait times of 30+ minutes to speak to someone. There is no email address provided.
I also looked at my statement to try and find an email address, and not its fine print saying that if I want to make a principle only payment, its required that I call in or visit a branch to make the payment in person. If this is true, One Main Financial is intentionally making it more difficult for people to pay off their loans, with the intent of burdening people with debt so they can make a profit.
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| 08/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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i have an account i opened with one main finance XX/XX/XXXX the payments i was only about to access from the company only covers 1 year and i noticed the payment allocation to principal and interest doesn't seem to be corrected i call first then stop in the office XX/XX/XXXX and was told my staff any time the payment is late then the allocation would look that way. that doesn't make since even when the payment was on time the same thing happened for example for XX/XX/XXXX {$310.00} due XXXX paid on XXXX {$53.00} went to principal and {$260.00} went to interest, XX/XX/XXXX same due date paid on XXXX {$7.00} when to principal and {$300.00} went to interest. Over the past 12 months the company has received {$3000.00} in interest and {$510.00} to principal the loan was for {$8700.00} at 60 months 35.99 % interest
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have sent out a letter to ONEMAIN FINANCIAL concerning my credit report. Due to suspicious activity on my credit report. I simply asked ONEMAIN FINANCIAL to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
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| 08/04/2023 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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A payment of {$520.00} was due on XX/XX/2023. It was set to auto draft from my bank account. There was not enough funds at the time so the payment was returned. To cover this, a payment was made on XX/XX/2023 for {$550.00} to cover the XX/XX/2023 returned payment and a late fee. The next payment of {$520.00} was due on XX/XX/2023 and paid on XX/XX/2023. The next payment due was XX/XX/2023 for {$520.00} which was paid on XX/XX/2023.
I am being called by collections who state my account was not up to date due to the returned payment XX/XX/2023 despite my records and theirs reflecting the aforementioned payments. The last statement I got from the collector was that I was charged double because it was returned. This is not true. I am up to date on my payments, yet they are trying to collect a phantom payment.
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| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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I have received multiple advertisements over the past month that I was prequalified for a secured loan. I completed the application and was denied because the value of my vehicle.
I would not have applied if I knew I would be turned down. I'm trying to increase my credit score not decrease it with an inquire that fails to provide any insinuated prequalified loan.
XXXX XXXX has a XXXX XXXX dollar law suit for this exact course of business. Where they implied you are prequalified, people applied, their credit scores negatively affected and people did not qualify.
One Main Financial needs to be aware of false advertising and false prequalification applications. They need to be held responsible for causing peoples ' credit scores to decrease. I spoke with XXXX at One Main Financial in XXXX NC at XXXX.
|
| 11/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I previously had a loan with them as my car as collateral. I had no issues and every payment was on time. I was paying off the loan fairly quick because I made an extra monthly payment. They emailed and called me asking if I wanted to take out more on the loan. I was involved in a XXXX XXXXXXXX situation and said yes to use the funds to get out of the house. They now have the loan at {$20000.00}. Ive paid almost {$1000.00} since XX/XX/2022 and the loan only went down {$200.00}. I called them and they said all loans in Texas are now interest bearing loans so a certain percentage goes to the interest and the rest to the main balance. I explained thats NOT what I had previously. They refused to send my loan agreement ( claimed they emailed it previously but I dont have it ). Theyve been very uncooperative.
|
| 06/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Complaints XXXX and XXXX were unable to fully resolve my issue.
On XX/XX/2021 I applied for a loan with OneMain and was denied ( violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( d ) ( 6 ) ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. OneMain only benefitted from the credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry and their response is enough proof that they have violated these Federal Statutes.
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to inform you that yesterday, XX/XX/2022, my credit monitoring service, XXXX XXXX and XXXX both alerted me to the fact that someone who has been hacking my cell phone has applied for a {$20000.00} mortgage loan through the company One Main Financial, XXXX, PA. I was not able to call their office at that time due to being closed at that time, but notified them this morning, XX/XX/2022 and they cancelled the application but would not report the hard inquiry to the credit bureaus. I, then had to call XXXX and report the whole issue, I also initiated fraud alert with them who will notify the XXXX other bureaus. The phone number of this individual who is hacking is XXXX and the email hacker is XXXX. There is also another email hacker with a XXXX but I only know it starts with XXXX... Thank You!
|
| 05/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way.
These companies include : XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bankcard Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX
|
| 09/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There was a violation of Contract Law resulting in contract fraud due to lack of providing full material disclosure as required by the TILA therefore there is a billing error that needs resolution. ( 12 CFR 1026.13 ) Pursuant to 9-210. REQUEST FOR ACCOUNTING was made on multiple occasions and never received or responded to.
Pursuant to 15 U.S. Code 1635 and further confirmed in 1026.23 Right of rescission, I expressed right to rescind on multiple occasions with no resolution or response.
1st notice sent : XX/XX/2022 2nd notice sent : XXXX/XXXX/2022 3rd notice sent : XX/XX/2022 In these notices I expressed for all future communications to be via email or mail yet I continue to receive multiple phone calls and voicemails on a daily basis from OneMain Financial and have not received any resolution.
|
| 11/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I called One main who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. One main rejected my dispute, so I then sent more information to XXXX. Documentation from XXXX showing the account from One Main was paid and I now have a XXXX balance. One Main refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. One main is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!
|
| 05/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I just found this all though I've been asking for a readout on my acct for more than a year. I have a false loan amount of more than {$8600.00} that apparantly I've been paying for now for 2 years. And also I had a wreck last year and instead of my car getting fix with my full coverage insurance One Main took my check to fix my car and cashed it without my consent. And it didnt close the acct. Out I'm still paying for a damaged car and I never got a loan for {$8600.00} I can prove this. They are also charging me 31 % interest so i am completely upside down on a loan i cant ever payoff for a damaged car they took the money for. And the kicker on that is the say the didnt cash it though i can prove they did. In total i did borrow over a 3 year period XXXX and am paying back {$24000.00} this is crazy
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
|
|
I have tried contacting this company several times telling them if they can not prove that I owe this debt they need to delete it I also I have contacted all three credit bureaus in writing 2 out of the 3 send me an email stating they can not remove it. this is a violation of the Fair Credit Reporting Act 604 meaning if they can not prove that I owe it I do NOT owe. I also have bank accounts on my credit report I did not open they are not mine they have never been mine there is also an address on my credit report I've never lived at it is not mine I believe someone is using my social security number to open up bank accounts and addresses in my name or my social security number please contact me if you need further assistance or more information I give you permission to contact me thank you so much
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
OneMain Financial shows my monthly payment of {$510.00} due every month ; however, a signed settlement was agreed with a new payment of {$380.00} to be paid each month starting on XX/XX/2020. Each month a payment is made in the amount of {$380.00}. It has been over a year and each month my credit report shows a past due balance because OneMain is still reporting the monthly payment {$510.00} is owed instead of {$380.00}. OneMain will not update their system and report it properly. I have spoken to numerous individuals at OneMain and no one gets back with me to resolve this issue. I have documentations to show the agreed monthly amount of {$380.00}. This has impacted my credit score for over a year now! I need help getting this fixed with OneMain and getting my credit report updated correctly.
|
| 11/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
So I took out a title loan was making payments on time made a payment for XXXX on XX/XX/2022 got in a accident the same day called my insurance company and they started the process at that point I owned XXXX so I called one main financial and they said I owned the XXXX so I called XXXX for the payout they got from one main financial and the payout was XXXX on XX/XX/XXXX my car value was XXXX deductable of a XXXX which totaled XXXX then on XX/XX/XXXX my gap insurance picked up XXXX so if you substract the payout amount from the XXXX you get a balance of XXXX they did not do this they started with the balance of XXXX which gave me a balance of XXXX so I called them and asked them what the payout amount was for this and they told me XXXX which I paid on the XXXX of XXXX which I shouldn't had to
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing this inaccurate account for over the past year via USPS Certified Mail. ONEMAIN the information furnisher reported by XXXX and XXXX have been requested repeatedly to be updated, its last report date has not changed since year XXXX, which means this disputed account has not been investigated from neither. On this account XXXX reports an inaccurate Late 120 Days on a {$0.00} Balance Owed account. On this account XXXX reports a duplicate account with the same account number but with a different record of payment history, XXXX duplicate account reports an inaccurate Late 60 Days on a {$0.00} Balance Owed account and its 2 year payment history doesn't coincide with the account its duplicate to. This is inaccurate reporting, ONEMAIN account needs to be updated immediately.
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, ONEMAIN add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 03/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I previously received a personal loan ( interest-bearing loan ) in the amount of {$10000.00} with an interest in a total of {$13000.00} estimated. For the first three months of the loan, I made monthly payments of {$420.00} and on the fourth month, I paid {$3000.00} towards the principal. I was told that the next payment was due five months later. I started up my monthly payments of {$420.00} with my balance being {$10000.00}. For the last year, I have made monthly payments of {$420.00} and there has been no change in my balance. I spoke with several representatives and was advised it is an interest-bearing loan which only means interest is applied to the loan, but I don't understand why a total of {$5000.00} haven't been applied. Not even a {$1.00} has dropped off when a year of payments.
|
| 10/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
My cousin XXXX XXXX stole my identity back in 2015 and I was made aware because she tried to use my name during a traffic stop I was advised by the police IMPD to get a finger print card and carry it with me. Shortly after I would say 6 months I started seeing things on my credit report that I never had in my possession. After a long disputing process I got everything thing removed due to fraud. Now after thinking it was over I started getting garnished by a company for a loan I never got. I never received any court dates or any hearing notices because they were sending them to my old address. Even after they got the garnishment approved via my job and received my new address they still havent sent any paperwork to my current address and its on file but the company is garnishing my checks.
|
| 08/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I contacted OneMain Financial asking for a business loan and it was processed as a Debts consolidation loan, when I was very clearly not in debt.
I allowed a titles loan on my owner/payed out car and continue on to use for business which of course failed and I began struggling with payements.
Furthermore, my vehicle broke down and I could convince any Onemain Financle tel. Agent to help me with an extra bit of loan to repair the car and remain in good standing with them. ( Getting to work, and if I had no options, they wouldnt repo a broken car ) Ive spoken to other Onemain financial tel. Agents since this problem and they simply apologize.
In the end I still have a delinquent standing with my loan payements which furthers my issues when asking for help from any other branch.
XXXX
|
| 08/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I applied for an Installment loan with One Main Financial on XX/XX/XXXX. I was not ready to secure the loan after I was approved. Two weeks later I was ready to apply for the loan, and I called the office and spoke to the same representative. I was told that I had to reapply. I explained that if credit information does not change within 30 days, why should I have to apply? She noted that she thought it would be a " soft pull '' on my credit report. I have approved again for the installment loan. To date, I have two " hard inquiries '' from One Main Financial, XXXX XXXX, XXXX, and XX/XX/XXXX. After realizing the two inquiries were on my credit report, I notified the One Main Office, and they said they escalated my issue. I received a notice regarding the confirmation of the hard inquiries.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have been receiving unsolicited, and harrassing phone calls from this company stating that I owe a loan for a person whose name is not mine. They read me my address, phone number, and a FAKE employer threatening to sue me.
Well, I went to the XXXX XXXX clerk of courts, and there is no such lawsuit that has been filed. They assisted me with finding out this companies name, and address. I mailed a letter asking them to remove this fraud inquiry from my credit, and stop contacting me.
They are refusing, and I just called XXXX, and they said that I dont have an account with them. This is fraud, harassment, and intimidation to pay something I dont owe The only reason that they cant commit fraud with the other credit companies is because, Ive locked my Credit profile with those places..
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is the second request on the item. OneMain Financial claims that I applied for a loan or wanted to see offers, but I did not do so. I have never engaged in business activity with them and they have erroneously included a inquiry on my credit report. Furthermore, they have not shared any record of my application. I did not apply or submit any information online, so I DO NOT HAVE any record of this. If they do have any record of this, this would be identity theft and I am prepared to file a police report about this. Finally, I contacted XXXX about this and their fraud group looked into this and reached out to OneMain and subsequently deleted this item from my credit report, citing fradulent activity. Clearly something is amiss here and OneMain refuses to acknowledge their negligence.
|
| 07/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I called one financial asking why the balance of my loan not getting lower after making payments. I made 12 payments and so I called ( Onemain Financial XXXX XXXX XXXX location ) bout it onXX/XX/2023 the lady on the phone says it must be a glitch that I am half way paid off.
I called again on XX/XX/ asking Onemain Financial bout my balance and why did my loan balance go up. The lady on the phone says she'll looked into it and call me back in a few days that I never received any call since then. I called left several messages nothing.
I called from a different line a lady answered and when I gave her my information the line got disconnected. I called and called left message and never got a hold of anyone after that.
I went to the branch and the sign says closed. The lights are off.
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
|
| 05/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The company is called One Main Financial, It was in XXXX when i applied for it, it is a unsecured loan. I went through two traumatic experiences last summer and it has affected me to repay these loans.
Account Number Ending XXXX Dear XXXX XXXX : This is a reminder that your payment of {$2400.00} is due on XX/XX/XXXX. If you have not yet made arrangements, please consider using one of our convenient payment options : Call us at XXXX to schedule a check by phone Web Payment option by visiting us at : XXXXpayment Mail your payment to : OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Standard hours of operation are XXXXXXXX XXXX XXXX XXXX XXXX ET with extended office hours in some locations.
Thank you in advance for your prompt payment.
Sincerely, OneMain Financial Services
|
| 08/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I have ( 2 ) loans with One Main Financial in XXXX, Ohio. I have been paying this loan for several years and the interest rate is very predatory. Another problem I am having with this company is that One Main Financial will call me every day harassing me on when Im making my next payment after the monthly payment has been made! One Main financial has flooded my voicemail to the point I cant receive messages! This Harrasment has been going on for 8 months..I have already spoken to the County Prosecutor and will be pursuing further action. Im Ohio this is called telephone Harrasment XXXX XXXX I will be also filing with the Ohio Attorney General Office. For a company ( One Main ) to harass and intimidate a customer is definitely unjustified! The interest rates are predatory and illegal!
|
| 08/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
I only had the car for two months starting some time around XX/XX/2020 and I have been having probleming since day 1. The problems to fix this car is expnse but they are willing to pay. This car has been putting me on the side of the road coming from work many days and nights. It has cost numerous of problems causing me to missed work, doc apt XXXX all because of a lack of a ride. They fasely advertistment this particular car and knowing that this car is not " WORKING ''. I also believe this car is a " LEMON '' and it just never going to be the same. It goes in the same shop back and forth and the shop doesn't fix on the car right at all. The dealer know something wrong with the car because they are pressuring me to get something else but I have to have a CO-signer and dont have one.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that XXXX accounts that I have no affiliation or knowledge of has been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681B.
ACCOUNTS LISTED ARE : 1.XXXX XXXXXXXX XXXX XXXX, the account balance is {$4900.00} ( not sure when opened ) 2. ONE MAIN ( account is dating back to XXXX ) and unsure of the balance I also have an inquiry listed for a company called XXXX XXXX from XX/XX/XXXX
|
| 02/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The company One Main Financial at XXXX XXXX XXXX XXXX, XXXX, AL has repeatedly called for a customer named XXXX. When I received the new number back on XX/XX/XXXX, I received my first called from them a few days after. I informed them that I am the new owner of the number, and that there is no XXXX at this number anymore. The lady who called claimed she will notate the account and remove the number. The calls have not stopped. At least once a week they call for XXXX. I have repeatedly told them that the number XXXX is no longer XXXX 's. In this month of XXXX they have called on the XXXX, XXXX, and XXXX. Its is XX/XX/XXXX as I write this. I keep telling them over and over that this is no longer XXXX 's number. They apparently refused to acknowledge that statement and keep calling me.
|
| 03/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
My contract says late payments will only be charged a {$15.00} late fee with no interest added. While making a phone payment to XXXX XXXX ( in S. Carolina ) he told me the company had changed my account from a fixed interest to a compounded interest and 'I had to lump it and there was nothing I could do about it, I just had to pay up '. He also stated they could do anything to me they wanted. Today I paid the last payment on my contract and they said I still owed {$1400.00} in payments. Enclosed are copies of my contract and a copy of my payments from the start of XXXX to XXXX. I have continued making payments till present. I have been told repeatedly I am up to date on my contract. Almost every month there was a new way of charging more money outside the outline of the contract.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
CRA :XX/XX/XXXX Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX.
Item : OneMain Financial Opened XX/XX/XXXX and Closed XX/XX/XXXX.
On XX/XX/XXXX Called XX/XX/XXXX Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it.
XX/XX/XXXX called " OneMain '' Credit Bureau and verified that they didn't send a Deletion.
XX/XX/XXXX Called back XX/XX/XXXX again and they say they can't add the record back to the credit file.
Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.
|
| 05/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The XXXX XXXX XXXX XXXX took on a collection debt on XX/XX/2023 From One Main Financial. I obtained attorney to settle the amount from XXXX to XXXX which I signed off to pay. With this Law Firm it only accepts one form of payment to be a collection agency. Which this Law Firm does not accept my checking account due to its a debit card but I have never had any issues using my checking for ACH debit. With this being a Law firm collection agency how can they only allow one form of payment. The collection agent gave me the incorrect code For money gram. I believe they are making it hard for customers to make their payments to have to take them to court. They are rude and unprofessional. This Law Firm needs to be Investigated. I have filed a complaint with the Attorney General also
|
| 02/22/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was out of work for about 4-5 months after we had a suicide in our family. An account was compromised, we have an enormous amount of grief regarding a young family member and One Main Financial repeatedly calls me all day long thru different numbers! It has added to my already increased stress level and I want it to stop as I head back to work and figure out how to pay them off. I lived off what I had made in the previous months. I have a daughter in therapy due to XXXX XXXX XXXXy over the event and am headed to therapy myself. I am sick of the ROBO calls. I advise anyone never use them for a home improvement loan or any type of loan. You will regret it. When I get out of this debt to them : I will be an advocate of why not to incur this type of debt. It's just not worth it.
|
| 05/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX of 2022 my checking account was debited {$580.00} by OneMain Financial.
This was a big surprise to me because I dont have an account with OneMain Financial or any of its affiliated companies. I never borrowed any money with OneMain Financial or its affiliated companies.
I called ( XXXX ) XXXX which belongs to OneMain Financial on XX/XX/XXXX of 2022 to dispute this charge but they told me they can not do anything to refund me.
My guess is that someone who borrowed money from OneMain Financial put my bank account as payment method and OneMain Financial charged my checking account to pay for someones loan.
OneMain Financial could have prevented this if they verified that bank account set up as payment method belong to consumer who borrowed money from them.
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a text message from XXXX over a week ago saying I am approved for {$3000.00}! I hit the link and thats when I started receiving emails, text messages and a whole lot of calls back to back saying I have been approved for {$2500.00}, {$5000.00}, {$1000.00} and etc. I gave a loan funding company my information over 1 year ago and I think they are selling my profile to a lot of scammers! These people have my social security number, bank account information, job information, email address, telephone number and etc. I have received hundreds of calls, text messages and emails! They are running my credit without my authorization! Please have the inquiries removed from my credit report that started XX/XX/2023 and on out to this date and maybe even more dates to be added.
|
| 12/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I closed the credit card ending in XXXX account back in XXXX, 2022 ( A screenshot attached ). HOWEVER, as of today XX/XX/2022, I received the statement and was charged for the annualized fee in the amount of {$65.00}.
TERRIBLE!! When my account was closed, I made overpayment, leaving my balance XXXX XXXX XXXXwhich means OneMain XXXX card should have issued the {$5.00} check TO ME. However, now I see that I need to pay the annual fee for the card that I closed XXXX months ago???
I called the customer service and it doesnt let me connect with the representative since I dont know the card number anymore!
PLEASE REVERSE THE ANNUAL FEE AS SOON AS POSSIBLE AND ISSUE THE CHECK IN THE AMOUNT OF XXXX XXXXXXXX WAS THE FINAL CREDIT ON THE LAST STATEMENT WHEN I CLOSED THE CARD.
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I being original creditor, consumer and natural person recently sent a debt validation letter to OneMain Financial Group, LLC pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested OneMain Financial Group, LLC to provide copies of their 1096 tax form, their 1099-OID, their INC, and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor, sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692 and Identity Theft. Please review attachments.
|
| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft ONEMAIN Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXXTO Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
|
| 03/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
A man named XXXX XXXX ( something, the phone kept cutting out ) from XXXX and associates called from XXXX and insisted I had a debt that he was going to sent to court and have criminal charges brought up on me. He told me my name SSN DOB and address from 6 years ago. I didn't confirm anything but my name. When I pressed him he said the debe was from One Main Financial and that I had made arrangements to pay and had made XXXX payment of {$170.00} in XXXX of 2016. I denied knowing about the debt and demanded proof of such debt. He said good luck in court. I then found the number for One Main financial and called them I spoke with XXXX XXXX who verified I do not have any debts present or previous with them. XXXX then suggested contacting credit bureaus and law enforcement.
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
XXXX Called my family and threatened to come to their work to serve me ( illegal ) its all recorded this person never called me, so I blocked My number and called the XXXX number- somehow she guessed it was me and new my last XXXX of my social. She said one main financial and that I defaulted On an XXXX XXXX ( never ever did ) and then got hostile when I said Send verification of this debt to my address the said oh so you work for XXXX XXXX, Said no and she yelled oh hahha gotcha it is your debt, you used to work there and i said nope, verify its my debt, she then said she was going to send me to XXXX and I said Ok send the sheriff and she said oh thats what youre getting youre getting a uniformed officer and hung up! Im also filing a police report for harassment
|
| 05/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This is for one main financial. This situation started around dates of XXXX to XXXX. One main has over abuse their power. I on XXXX XXXX i was badly injured at work, which lead me to being in a worker 's compensation case and out of work do to severe XXXX and XXXX injury that had occurred. One main consistently called during a time of distress for me stating they was collecting debt of XXXX {$7500.00} XXXX. I explain to them i was in a injury case was not working. The representative then stated in my contact i had insurance on the loan, and i could apply it, till further notice. No insurance was ever implied, threaten to garnish my pay, sent me a summos to a judgement on my name if i dont pay the full balance of now which is XXXX. Can somebody assist me please.
|
| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I took a loan for {$8000.00} from One Main Financial, XXXX MI. In addition to that, I had agreed to the insurances the loan rep presented. The loan total is XXXX. The amount of interest I will pay is based on the XXXX.
At home I reviewed the documents and cancelled the three insurances, a total cost of XXXX, on XX/XX/2023. I requested that the loan is re-amortized based on the loan amount minus the insurances. The company has refused. Their solution is to send me a refund for these three insurances. This is unacceptable because, over the next 5 years I will be paying interest and fees for XXXX rather than the {$8000.00}.
I have spoke with a number of customer service and Corp Office employees. They absolutely refuse. This practice must be illegal
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/2021 ONEMAIN XX/XX/2021 ONEMAIN NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I recently discovered that your company ran an unauthorized report on me XXXX AND XXXX.
I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection.
1. I am now requesting the permissible purpose documents under 15 USC 1681B.
15 U.S. Code 1681b - Permissible purposes of consumer reports. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
|
| 08/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I did a loan for {$2300.00} through One Main Financial in XXXX, Ca. In XXXX of 2022. When I requested a payoff amount for the loan on XX/XX/2022 the amount they told me was {$7700.00}. This amount appears to include principal and all the interest I would have paid over the life of the loan ( 5 years@ 35.99 % ). I don't know if this is the proper way to do a loan. This is not the first time they have done a loan like this to me. I did not think about it on the first loan as I took the entire time to pay it off. However, this time I am trying to pay it off much sooner and the balance seems too high. It seems like they put the entire loan amount ( P and I ) for the life of the loan in their system and then when they receive my payments they apply it to the balance.
|
| 12/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Account name : OmeMain # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 12/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
A 30 day late payment was applied to my credit report, for a card that was not activated or used. I had no knowledge of the card and the company keeps sending me emails daily requesting {$68.00} annual fee for a card that has a limit of {$500.00}. I didn't know about the card otherwise I would not let {$68.00} ruin my credit. I tried to explain this to the company and they said they would send me a fraud affidavid. I have not received it, but keep getting emails and alerts on my credit. They are dragging this process out, and I don't want to get a 60 day late on my credit while waiting. I don't want to pay for something that I didn't know anything about. This company needs to be investigated as the customer service was not helpful and trying to ruin my credit.
|
| 03/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Hi, my name is XXXX XXXX in which there is a Onemain secured loan on my XXXX credit report that I did not apply for and my identity was compromised. An ex-spouse had stolen my identity to apply for this Onemain loan in which I didn't find out about this until a few years later when it hit my credit report as a collection. I didn't know that you were able to dispute debt and paid off this charge off in one big bulk payment in panic and uncertainty. This loan was opened in XX/XX/2016 and if you go through my records there have been no payments from any financial institution in my name and this is not my account neither does it belong to me. This was fraudulently opened in my name and I would like Onemain financial to remove this debt/loan that I never took out.
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/, XX/XX/, ONEMAIN FINANCIAL add a hard inquiry on my credit reports.
On XX/XX/2020, XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 09/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company is One Main Financial a sub prime lender of personal loans to customers who don't qualify at XXXX or XXXX.
I reported that my District manager told me to ignore written company policies on contacting customers. XXXX XXXX told me to use the wrong call status code for customers who hung up on me. XXXX told me to use " no answer '' instead of " Call dropped ''. The difference is simple. With call dropped code you can not call the customer again as a Right XXXX contact is logged. By entering no answer we continue to call a customer who obviously didn't want to talk to us I reported this and other violations to XXXX XXXX XXXX weeks ago. Today I was terminated for absenteeism. This was retaliation and an attempt to get rid of their compliance issue.
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX, I sent a letter out disputing 2 accounts that were reporting inaccurate information. One account was still reporting activity each month even though the account was closed, and the balance was wrong on the account. The other account was missing information for XXXX XXXX XXXX and reporting late payments when it was a billing error back in XXXX XXXX XXXX. I was never late pursuant to 15 USC 1666B Timing of Payments. They came back on XX/XX/XXXX, updated and verified with the problem unchanged. Nothing was updated and it still reported inaccurate information. 15 USC 1681eb speaks on Credit bureaus assuming a role and has an obligation to make sure that every piece of information on each account is Maximumly accurate. They did not do that for me.
|
| 12/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
on XX/XX/XXXX ONEMAIN FINANCIAL CALLED MY PLACE OF EMPLOYEMENT REGARDING A PERSONAL LOAN I DO OWE AND I AUTHERIZED A PAYMENT TO BE MADE FOR XX/XX/XXXX. WHEN I ANSWERED THE PHONE I TRIED TO LET HER KNOW I COULD NOT HAVE CALLS AT MY PLACE OF EMPLOEMENT AS I HAVE TOLD THEM MANY TIMES IN THE PAST, ALSO TOLD HER MY BOSS WAS IN FRONT OF ME BUT SHE DID NOT CARE SHE CONTINUED TO ASK ME QUESTIONS AND I HAD TO YELL AT HER ( XXXX ) BECAUSE I DO GET IN TROUBLE FOR PERONAL PHONE CALLS, AFTER I HANG UP ON HER SHE PROCEDES TO CALL MY HUSBANDS PLACE OF EMPLOYEMENT WHERE SHE ASKED MY HUSBANDS CO-WORKER QUESTIONS ABOUT HIM A CO-WORKER WHO IS A EQUAL TO HIM NOT IN XXXX COMPANY IS HURRASSING US AT WORK ONEMAIN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX THANK YOU SO MUCH, XXXX XXXX
|
| 01/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
XXXX XXXX XXXXXXXX on behalf of OneMain has garnished my wages for {$800.00} a month for a debt belonging to both me and my soon to be ex wife, XXXX XXXX. The entire amount is being taken from my bank account monthly and with new deductions will exceed the federal legal limit for garnishment of income. XXXX XXXX XXXX is committing a crime by taking {$800.00} per month from my account alone when my wife works in the same XXXX XXXX, XXXX XXXX XXXX XXXX, and owes exactly half of the {$7500.00} judgement. My finances have been destroyed as a XXXX XXXX XXXX in Oklahoma. I can not afford giving almost 30 % of my pay to a debt not owed only by me! This needs to be rectified promptly and action against XXXX XXXX XXXXXXXX should be taken for their criminal behavior.
|
| 12/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, ONEMAIN add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 04/16/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
One Main Financial has an auto payment that they only control. Their website say manage payment options but doesnt allow the consumer to control their own account. I have had to cancel my payment accounts but kept getting overcharge fees and returned checks. One Main states to call them directly and make changes. I have agreed that their manage payment options is misleading. The consumer has the right to manage there accounts and not always having to call to make changes. Then when you set up autopay they keep withdrawing until they get their money which has lead to XXXX dollars in returned checks. I have never authorized multiple attempts. They remind me so much like how XXXX XXXX controled the payment options. This is abuse and they need to be stopped.
|
| 11/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Years ago, I took out a loan with SpringLeaf financial ( now known as One Main ) financial and my car was attached to the loan without my knowledge. Springleaf then refinanced my loan and took my car off of the loan. At the time, I owed XXXX... I've been paying $ XXXX for the past few years and my balance is not coming down. I called to see if the payment could be applied to the principal and not the interest and they told me no.
I recently have been offered a modification to pay $ XXXX and the loan accures interest daily. I need to know how long I will pay on this loan before I pay it off. I think this company has been deceptive in the past and is trying to rush people to get loans by saying everthing is " time-sensative '' sp ... .Please help me!
|
| 09/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
The company ONE MAIN FINANCIAL ADDED a loan that was paid off through the US Bankruptcy courts in XXXX. ONE MAIN HAS ADDED A PREDECESSOR 'S SPRINGLEAF FINANCIAL that purchased ONE MAIN FINANCIAL in XXXX information THAT REFLECT paid off in full by the US BANKRUPTCY COURTS in XXXX AND CLOSED.
ONE MAIN FINANCIAL is utilizing this information of payment by the US BANKRUPTCY COURTS in their system to RETRIEVE AND GET PAID TWICE BY ME VIA THE COURTS AND SPRINGLEAF FINANCIAL SERVICES. I HAVE THE LEDGER OF PAYMENTS. I WANT ONE MAIN TO STOP THIS METHOD OF DECEITFUL PRACTICE ON THEIR UNSUSPECTING CUSTOMERS, LIKE ME.
Please add my name to the ONE MAIN VICTIM 'S FUND FOR REFUNDS ON ALL THAT IS OWED TO ME. I APPRECIATE YOUR TIME AND CONCERN WITH THIS MATTER.
|
| 06/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2022 I signed a fraudulent contract with XXXX XXXX account number # XXXX at the amount financed of XXXX at 29.97 % with a finance charge of {$1900.00} which equals a sum of {$4900.00} according to exhibit A and payments where set at XXXX per monthly occurrence of 42 months according to this contract. I have found mistakes within the contract which has some consistency of some type of fraudulent acts and contrary to this XXXX XXXX is reporting negative remarks on my consumer report see exhibit B which dates on payments are inaccurate see exhibit C this is another mistake. XXXX XXXX is abusing interest rates deliberately on loan agreement just to have the consumer over pay which is fraud see this example of A true finance schedule see exhibit
|
| 05/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I was pending XXXX from XX/XX/XXXX to XX/XX/XXXX. I was approved in XX/XX/XXXX. OneMain Financial was completely aware of my situation and provided no assistance with my credit reporting. XXXX and myself entered into a new Settlement agreement in XX/XX/XXXX. They reduced my amount owed and monthly payments. I have made every payment on time. I provided XXXX and XXXX with the terms of that new agreement. Although, I have been responsible for my part of the agreement since XX/XX/XXXX, XXXX continue to report to the Bureau the original terms of the agreement as if they aren't expecting a lesser payment. They have my account 150 days past dew. Settling my account is a negative on my credit to begin with. I should not be subject to monthly untruths.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX XXXXXXXX XXXX failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately.
1.ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX 2.ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX XXXX XXXX
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I started disputing accuracy of the accounts with the collection agency 's for one whole year now, I ask why they are inaccurately reporting this charged off a account with a monthly balance for the past couple of years, this is a violation per the FCRA section 623 section 5. Furnishers must only notify the credit reporting agencies the date, month and year when the account was marked as a charge off. Additionally I keep asking them to validate the alleged debt. They just keep on sending itemization of charges which is not debt validation. I ask them for proof of the initial contract and or my wet signature. they have failed several times. The is affecting my credit worthiness and i demand this to be removed from my credit report immediately.
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 07/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
ONE MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 ONE MAIN FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. ONE MAIN OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH ONE MAIN WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
A company called One Main is furnishing incorrect and incomplete information on an account on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm.
Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. XXXX XXXX is violating my consumer rights.
I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with One Main through the credit reporting agencies.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I would like to have One Main removed from all three credit reporting bureaus. Not only was this account opened due to my identity being compromised, but they have also opened duplicate accounts. I have submitted police reports and documents to support my claims, I have paid hundreds of dollars to credit companies to dispute these accounts. One Main has not tried to resolve this issue I do not know who these credit reporting companies are. They have not verified this information. This erroneous reporting has caused my life to suffer a hardship. This is also a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Also Section 611 ( 5 ) ( A ) of FCRA they required to delete information which can not be verified.
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 02/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I obtained a loan from OneMain Financial with XXXX insurance on the loan. I was injuired and have not been able to work ( this injury is permanent ). I went through the process of utilizing my XXXX insurance so the insurance can make payments on the loan. Every since I have been using the insurance that I paid for, I have been getting calls constantly about payments not being made. I then informed the company that my XXXX is permanent and I will not be able to work now. Nevertheless, I am still getting calls from them every week about payments even though I filled out paperwork stating that my condition is permanent. I was told that they do not care about my XXXX and they will be calling me everyday and every week to collect a payment.
|
| 02/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was behind on my payments, then they called and we arranged to make XXXX payments which would catch my account back up. Both payments were deducted from my bank account but were not applied to my loan as agreed and it still shows i am behind. I have called and spoke with customer service, who confirmed the payments were not applied correctly and they would forward for correction, but it has been a week and has not been corrected. This contines to reflect as overdue on my credit report, although I have paid as agreed, and I am tired of having to continue calling to try to get anything done since nobody can seem to help me. Please help me get my payments applied as agreed so my account is caught up. I have done my part. Thank you, XXXX
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 09/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I went into a one main financial office to get some funds to kick start my trucking company. After I completed the application, they came back to me stating that I need some collateral. They offered to refinance my personal truck. Keep in mind, I have already applied and payed back a loan from them before so there shouldn't have been no reason for me not to get approved for the amount I requested. I went with the offer anyways because I was in need. Fast forward to three years later, I had to file for bankruptcy due to the economy ultimately affecting the transportation industry. The amount that I initially wanted to borrow has been payed back but now they may be trying to reposes my XXXX because im out of work and unable to pay back.
|
| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
One Main Financial Initially during the Pandemic I was able to use my unemployment insurance for several months and the insurance paid on my account. My unemployment expired and I was still not working because I'm a high risk candadite for Covid. I was searching for remote work. I sent correspondences trying to negotiate a settlement. I was unsure of when I would be working and I know my funds are still limited I am currently still trying to secure housing and One Main is unwilling to negotiate a settlement. It may be years before I have the funds to pay that debt in full in the mean time interest is being compiled causing me additional hardship. I was told that I could only use my unemployment insurance for a select number of months.
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt was judged in my favor through the court system. I disputed for it to be removed from my credit file with the credit reporting agencies and debt collection company along with proof that the debt was judged in my favor. The debt collection company failed to remove this account from my credit file after numerous attempts to correct it. At this time, I do not know what else to do but to get the CFPB involved to help resolve this issue.
On XX/XX/2023, I received a response letter notifying me that XXXX XXXX acquired One Main Financial and merged to make OneMain, in addition to stating they would only add remarks that it is in dispute status but not that they would delete it when I do not owe debt due to them losing in court.
|
| 04/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A settlement agreement was reached with OneMain Financial on XX/XX/2021. The terms of the agreement advised that XXXX will report the settlement to the credit reporting agencies as " Settled in full for less than the full balance ''. As of XX/XX/XXXX, I have settled this balance via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Case No. XXXX Acct. No. XXXX. XXXX XXXX XXXX. XXXX and received the Certificate of Service from XXXX XXXX XXXX XXXX.
OneMain Financial agreed to release lien on the vehicle upon the receipt of final settlement payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my primary point of contact and can be reached at XXXX.
As well, XXXXXXXX XXXX XXXX can be reached at XXXX to verify that this account is now paid in full.
|
| 11/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
One Main Financial sent me an advertisement through the mail to extend credit for up to {$10000.00}. I, a consumer applied for an extension of credit through an application and was denied an extension of credit due to information that was shared through the credit reporting agencies which is identity theft and fraud according to the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Pursuant to 15 USC 1602g I the consumer have the right to extend credit. I granted you the credit on my application. Pursuant to Equal Credit Opportunity Act 15 USC 1691 ( a ) Activities constituting Discrimination shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.
|
| 11/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I did a double deferment on XX/XX/XXXX since I had went to XXXX XXXX and I am a temp employee I do not get paid. They had an option for me to pay XXXX to do the double deferment. I was then told I would be caught up and would not have to make another payment til XX/XX/XXXX. We'll they never did the double deferment like I was told and slapped another late fee on and more interest. I called again last week and was told oh it's because they didn't take off the late fee. She said she fixed it. It still isn't fixed. This is the XXXX time since I have had this loan this happened. They need to fix this or I will seek legal action. They have hurt me with so much interest already. I need help I am super sick and this stress isn't helping.
|
| 06/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I took out an instalment loan in XXXX. I was also sold insurance to protect and pay the loan if I lost my employment and was no longer able to pay. This did happen in XXXX. I became medically ill. I provided the company with all my documents. The company started to repay the loan through the insurance I purchased but they stopped.
I spoke with an Agent at XXXX the collection agency for the company and I was told oh they stopped paying so the debt is yours and we will continue to report that you owe. I was told my insurance on the loan no longer covered. I did inform the agent that I was filing a complaint for deceptive practices.
I also requested a copy of the insurance policy I purchased. I never received any of the documents.
|
| 01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Hi, I sign an Deferment Agreement on XX/XX/XXXX it was never credited to my account and Im still receiving fees for the status of my acct. when i try to pull up the deferment agreement it is missing. The agreement would have covered 2 half payments for XXXX and XXXX and then I made a full payment to cover the rest. The only payment outstanding as of XX/XX/XXXX is XXXX but they show XXXX, XXXX and XXXX payments past due. I cant even Monitor what payments are missing due to missing information on statements this company is a joke and how many times can one acct have these many problems. Im sick of having to report this one company. This is 100 percent retaliation and harassment against me for reporting them to the Federal government
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/2021 I received a fraud credit alert from XXXX that my credit was pulled with ( ONE MAIN FINANCIAL ). I did not apply for anything so I immediately called the number listed on the FRAUD ALERT and spoke to a representative at ( ONE MAIN FINANCIAL ). The ( ONE MAIN FINANCIAL ) representative said that they did not see any credit application in their system. I explained to them that I received an alert stating that there was an application for a loan, but I did not apply for anything. Again the rep said they did not see any application or credit pull.
I then called the Credit bureaus to dispute the fraudulent inquiry and have it removed. It is now XX/XX/2021 and the fraudulent credit inquiry is still on my credit report.
|
| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been dealing with One Main Financial with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted One Main Financial XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.
|
| 12/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
OnXX/XX/XXXX One Main associate by the name of XXXX XXXX faxed my job information about the loan that is in my name at their company. The information was sent on One Main 's company letterhead. In XX/XX/XXXX, XXXX XXXX searched up an associate that works at the company that I was working for at that time information up on the XXXX contact list and provided them with information about the same account that is listed in my name. Although this happened in XXXX I was just provided with this information a few weeks ago. This situation at minimum is an extreme case of 3rd party disclosure which is at least an FDCPA violation. The investigation that XXXX XXXX started caused me to get terminated from my job that I was at for XXXX years.
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX and XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 01/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I have tried numerous times since XX/XX/XXXX to get a loan ( using my XXXX XXXX XXXX XXXX as collateral ). All 3-4 times were initiated by XXXX XXXX stating that my loan was guaranteed Pre-Approved and even 100 % approved for even more than I had requested. Each time I went through the entire application process being told by One Main that my loan was guaranteed and each time I was denied at the last minute including this week! I am completely baffled and dumbfounded by the false advertisement and lack of professionalism & competency of this business and how they continue to exercise business this way!! I have proof of each time of going through this process including email communications and screenshots of guaranteed approval.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received multiple hard inquires from XXXX XXXX XXXXXX/XX/XXXX and XXXX of XXXX, XXXX, ONEMAIN FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
|
| 04/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I applied for a personal loan with One Main Financial. I was approved immediately for a XXXX installment loan for 36 months @ 25 % with collateral. The collateral they require is a car. Unfortunately I am XXXX and do not own a vechile. I contacted their care department XXXX who then transferred me to the executive offices of the care department. XXXX. I spoke with XXXX who was rude, had no time for me or my questions. I indicated One Main is NOT following the Americans with XXXX Act. and was told " go ahead and good luck '' then proceeded to hang up. I just wanted to ask what other forms of collateral they would accept. I have been discriminated enough because of my XXXX and feel this type is above and beyond discrimination.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** ... XXXX XXXX XXXX**** ... ONEMAIN XXXX**** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 12/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Back in XXXX XXXX i made severall purchase from XXXX the iteams arived damadged i contacted XXXX and requested returns for these iteams. I never recived credit for these iteams so i dispuited the charges i sent tracking numbers into brightway credit card and was told they recived this information and nothing else was neeeded i called back XXXX additional times and was told the evertyhing was fine. I then recived letters that the merchant went back to them and said i never returned the merchandise which is a complete lie i uploaded tracking numbers showing this. I got a very nasty lasy answered the phone at brightway and would not listen to me. XXXX does know what its doing. XXXX sending this cause i went this issue resolved.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
Secondly according to the 15 USC 1681.The law clearly states.
|
| 07/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I emailed the company regarding trying to make a payment online and it wasn't letting me. The did respond to me on and told me I needed to call to them. I didn't get a chance to call and was going to make a payment on XX/XX/XXXX and I woke up this morning of XX/XX/XXXX to find my car gone a XXXX XXXX XXXX they also took my XXXX XXXX XXXX. Nothing on my loan account when I log in states my car was going to be repossessed. I did not get anything in the mail that stated my car was going to be repossessed. I would think I would have been notified that if I didn't make a payment or make arrangements or something my car would be repossessed in so many days.My loan payment was past due {$1500.00}. Now I have no way to get to work.
|
| 06/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
I have recieved numerous offer letters from One main financial. The will call me constantly, they email me and now send me mail. I have never in the past requested, signed up for, or asked for any service through one main financial. I spoke with XXXX XXXX today on the phone at XXXX using the phone number XXXX. I discovered this company had all of my information to include my social security #. They have willfully and knowingly collected my information from a fraudulent source with out permission. They continue to harass me about their products all though I have blocked their phone numbers, blocked their email address when I get them. This company is knowingly soliciting services gathered from information I never game them.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and DOB to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently XXXX bank.
I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me.
I have also placed credit freezes with all three credit bureaus.
My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10.
XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX ( XXXX ) XXXX
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A letter was sent my Mother 's home in XXXX XXXX from an Attorney 's office by the name of XXXX XXXX XXXX, XXXX. The letter was dated XXXX XXXX, 2022.
I returned home to have my family in early XXXX and when I returned to XXXX, XXXX a wrote a letter this attorney 's office requesting " Validation '' on XX/XX/2022. I never received a response from them. I wrote to them again, on XX/XX/2022 regarding their initial letter to me, regarding this alleged debt. I have yet to hear from them.
This account is listed under One Main Financial on all three ( XXXX ) credit reporting agencies. I attempted to contact XXXX XXXX directly, and their customer employee stated that there was not a file under my name and social on file.
|
| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
|
| 06/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Name : XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : I recently pulled a copy of my credit reports and noticed the following creditors and information are in errors : Inquires the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes.
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : XXXX XXXX Please remove these inquiries from my credit report accordingly.
Sincerely,
|
| 12/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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To whom it may concern.
I XXXX XXXX had a loan thru one main financial. On XX/XX/2020 it was transferred on to me ex gfs car that she received from me.recieved a paid and full and lien release on my loan.i have the title and lien release on my truck from one main financial. I work on XXXX XXXX and came home onXXXXXXXX/2020 found my truck to be gone and one main financial repossessed my truck. When I contacted them they said I had a second loan thru them.i have never taken a second loan from one main financial. If so I would not have a clear title to my truck.they require a title to receive a loan.i have only been in one main financial one time ever and they only give loans in person.thank you for looking into this
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| 08/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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One Main Financial broke their obligation under contract laws to debit my account against our legally binding agreement to cancel one extra minimum payment of {$120.00} before its auto-pay due date and accept my payment of that same minimum due amount of {$120.00} before that auto-pay due date of XX/XX/2022.
Since, One Main Financial justified their " breach of contract '' described above to be an intentional act, therefore I AM UNDER NO LEGAL OBLIGATION TO CONTINUE PAYING THEM ANY MONIES AS OUTLINED IN OUR ORIGINAL LOAN CONTRACT. I have closed our account agreement! One Main Financial also, never refunded me this extra {$120.00}, which they have stole, WHICH NEVER REMOVES THEIR GUILT OF " BREACH OF CONTRACT ''!
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| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have been requesting, since XX/XX/2020, verification of the alleged debt that this company keeps on reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. All they sent me is a a simple letter telling me you have verified the information, I'd like to see the DOCUMENTATION that SHOWS ME that the information you have reporting is correct - balances, payment history, etc. I was told that is should, which is what prompted my initial letter to them. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law
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| 08/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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One Main Financial denied my credit application for a personal loan based on Teo precursors : ( 1 ) Number of Established Accounts : There are " 22 '' established accounts listed on thr credit reported dated as far 10 plus years old. These accounts meet th4 established account criteria, yet I am being racially discriminated against in lending.
( 2 ) Number of Inquiries : There are only 3 inquiries listed within the past 6 months of which should not be held against an individual being continously denied credit. It is recommended a creditor limit inquires between 6-8 applications per year. This criteria was not truthful or valid, and intentionally racially discriminated against by changing standards and criteria.
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| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I received an alert that One Main Financial placed a hard inquiry on my credit report on XX/XX/2021 for a personal loan inquiry which someone tried to fraudulently obtain in my name. I contacted their customer service department as well as their fraud department. I advised them that I am the victim of identity theft and that I did not apply for any loan with their company. They said the loan did not go through for the {$20000.00} that the individual attempted and that they would make sure to note this. The next morning, today XX/XX/2021, I got another alert from XXXX, that there is a second inquiry from One Main Financial on my credit report. I have tried calling their company twice now today and no one answers.
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| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I demand you remove the following information from my consumer reports immediately ; ONEMAIN opened XX/XX/2021 for {$11000.00}
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| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I have had XXXX personal loans with OneMain Financial the last loan was paid in full total loan was XXXX paid over XXXX in interest.
After the passing of my Mom waiting on probate court and sale of her property I decided to return to OneMain for a another loan after receiving several invites via email and U.S. Mail.
The OneMain store Manager was excellent I have been doing business with her branch for over 15 years.
Unfortunately on XX/XX/2023 I was denied the loan unless I provide a car for collateral never required this in the last loan with same credit score? Additionally, my concern is they ran a hard credit check which I understand but gave my credit score another point deduction with no loan? Why?
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| 12/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Servicemember |
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The Law firm of XXXX XXXX XXXX in Michigan, repeatedly violated the FDCPA in collecting my debt. I tried to get the paperwork on the debt and it wasn't until they had to because they filed in small claims court that I received it even after repeated requests over 3 years. Over the three years they constantly used stall tactics on me by stating they had to contact the creditor on any arrangements. However the court paperwork showed that was false/fraudulent or at very least misrepresented the ownership of the debt. The court papers, as well as the original creditor, showed they owed the account outright for the entire time. I have the emails and the court papers showing the above to be true and indisputable.
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| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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2020 i discovered a fraudulent bank loan account on my XXXX credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had XXXX to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with XXXX credit bureau gives me no hope to resolve this issue with one main financial lending intuition reporting a fraudulent account to my XXXX credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. XXXX out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.
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| 05/14/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XXXX XXXX I received a letter from one main financial company threatening me of a debt of XXXX interest on car loan. I have not received a 1099c form cancellation of debt. As research has shown one main financial has filed a 1099a & 1099c on my behalf without permission and received full payment for that loan amount. On record they have the wrong address for this vehicle lease in no actual evidence on file of I. They have damaged my credit, hard inquiry on all three credit reports. Im very disappointed in upset with this fraud company. I will like my information removed from there contact information and system immediately as well my credit report cleared immediately within 14 days of this fraud claim.
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| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection from a company called one main. This account was falsely opened in my name. Prior to submitting this complaint, I have sent over 3 letters to the XXXX to have them send the proper validation of this alleged account. I have even requested bank statements, documents and signatures to indeed prove that it was not me who opened the account. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesn't this go against the FCRA Laws?
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| 08/31/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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On XXXX I signed up for a Loan with OneMain Financial for XXXX and they told me that they will pay two of my credit cards ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), I sent to them both of the Statements. They sent both of check supposedly to the address shows on the statements. XXXX XXXX XXXX check arrived within 10 days and was cleared, the XXXXXXXX XXXX after two months check never arrived and after back and forth they sent me the check and I told them was made to a different Company and they claim that was the same on my statement and I told them that they don't have another name, the company they made the check to is a telecommunications company nothing related to the credit card, I see this a a fraud.
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| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have two inaccuracies on my credit on two different reporting bureaus. XXXX is showing this account as 30 days late in XXXX, while XXXX is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.
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| 08/22/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Older American |
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OneMain Financial sent me a XXXX form without any detail. The amount on the form is {$87000.00}. I am not sure what this is about and am therefore contesting this debt.
But more than that, Washington state is a no recourse state, and after consulting with a tax attorney, I asked OneMain Financial to send me another 1099-C form without the box # 5 checked. Otherwise I will have to pay the IRS and I am not able to do so, which could push me into filing for bankrupcy.
I called, then wrote a certified letter. They never responded. Please help me and have them send me a 1099-C form without box # 5 checked.
I have filed for an extension with the IRS until XX/XX/XXXX and do need this form before that date.
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| 11/04/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have a personal loan through One Main Financial that I can no longer pay because A ) I have been out on XXXX XXXX XXXX and I explained this to the collectors B ) because of my financial hardship I have enrolled in a debt relief program to help settle my debt with collectors in an attempt to avoid bankruptcy. The relief program I am enrolled in is through XXXX XXXX. One Main Financial in XXXX, GA has called me XXXX times from Monday XX/XX/30 through today XXXX. They have called me many times before that as well from the number ( XXXX ) XXXX. I was advised by someone through XXXX XXXX to file a complaint since the plethora of calls they are making is dangerously close to being considered harassment.
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| 10/15/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent more than one cease and desist letter to OneMain Financial as well as requests for validation of this alleged debt. I then submitted a complaint and they responded. For some reason my CFPB account wouldn't let me change my password as I forgot it, and I am just now being able to log into my account to respond. I had to resubmit my complaint due to it being closed and once I did the CFPB system rejected the complaint. Thats the reason for the delayed response. I spoke with a CFPB representative and she recommended I submit my response differently so it doesn't get rejected.
Attached is my response to your response explaining why you are in default, this debt is not valid and I am not liable.
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| 01/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, ONEMAIN add a hard inquiry on my credit reports.
On XX/XX/XXXX, XXXX BANK XXXX. add a hard inquiry on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 10/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : ONEMAIN FINANCIAL ( Finance ) which have been reported twice without my consent.
XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined.
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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ON XX/XX/2023 I WAS NOTIFIED BY XXXX XXXX XXXX THAT ONEMAIN FINANCIAL HAD MADE A HARD INQUIRY TO CREDEIT BUREAUS ABOUT MY CREDIT HISTORY. THIS INQUIRY IS FRAUDULENT. ONEMAIN FINANCIAL MADE THIS INQUIRY WITH NO PRIOR VERIFICATION OF MY IDENTITY. HOW IS IT LEGAL TO MAKE HARD CREDIT INQUIRIES IN THE ABSENCE OF A GOVERNMENT ISSUED ID?
I CONTACTED ONEMAIN FINANCIAL ABOUT THE FRAUDULENT INQUIRY. THEY ASKED ME TO COMPLETE AN AFIDAVIT, SEND THEM A COPY OF MY DRIVERS LICENSE AND A BILL WITH MY ADDRESS ON IT SO THEY COULD CONFIRM MY IDENTITY. I COMPLIED WITH THAT REQUEST. THE INQUIRY HAS NOT BEEN REMOVED FROM MY CREDIT REPORT PER MY REQUEST. HOWEVER, ONEMAIN FINANCIAL DID STOP THE LOAN FROM BEING FUNDED.
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| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has XXXX several of my rights.
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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| 03/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I got a XXXX personal loan from one main financial the apr was a little high it says on my report I never made a payment when I did on time every month for a while until I enrolled into the clear one advantage debt relief program. The main reason I enrolled in this program was I called the next month and my balance was XXXX and some odd cents my balanced doubled in one month I felt very stupid and niave because I was very young and was trying to pay off my cards and just have one payment. I was so taken back by the amount doubling in that short of time. So I panicked and enrolled in the debt relief program. Who took my money and never settles anything and let all my accounts get severely behind.
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| 09/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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Hi there. I would like to issue a complaint against OneMain Financial. I have been a customer with OneMain for 2 years and have always remained in good standing. I was unemployed for a short time, and contacted OneMain to inform them of my employment status and that I would be late on 2-3 payments as I had to wait for my assistance, but they would in turn receive their payments. Since, I have received 5-10 calls a day harassing me about when I can make payment. As someone who is literally having to claw their way out of debts related to the pandemic, this is quite disturbing. I have had to block multiple numbers that are attempts by OneMain to collect my debt when I am just late on my payments.
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| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... ONEMAIN XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
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I have been getting constant harassing phone calls from Onemain financial services, stating that I need to pay my title loan. As, I have already catched up to my previous amount owed. I mentioned to them ( Onemain financial ) that, I have been injured in a commercial car accident. And, I had been paying an insurance with the car loan, WHICH the insurance company has paid the loan amount into my account/balance. They keep calling me, when in fact the actual XXXX payment is not due until XXXX XXXX of this year. They are disregarding the letter the main corporation sent to my previous case attorney, XXXX. They keep calling me and pressuring me to pay something that is not due for a couple months.
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| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.
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| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
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Web |
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OneMain Financial has failed to honor my numerous opt-out requests from their USPS marketing mailing list. I have requested One Main Financial, verbally, in writing, and through XXXX complaints, to cease contacting me in any manner, including removing my name and address from their marketing lists. Yet, I have continued to receive loan offfers from them. This has been going on for years. OneMain Financial checks my credit without my knowledge or authorization for the purpose of sending me loan offers in the mail despite being asked to cease contacting me. I will now move to file a complaint with the Indiana Attorney General 's Office. Next step will be legal action from my attorneys at XXXX.
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| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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In attempting to secure a home equity loan, we learned of a judgement issued from our District court against us for {$4500.00} for Springleaf Financial ( now One Main Financial ). Numerous phone calls to One Main have identified that amount was pain in full, however One Main has not responded to multiple requests to notify the District court of the release of this judgement against us. The District Court docket number for XXXX County is XXXX. Most recent phone contact with the litigation department at One Main was yesterday XXXX. One Main 's failure to notify the district court of the release of this judgement is impeding our purchase of a new home which is set to close in the next 30 days.
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| 05/09/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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On Tues or Wed XXXX XXXX, I talked to a lady and told her I would call her back on Friday XX/XX/2023 & I wasn't able to do so due to getting sick. However, on that day after she called me from private numbers 2 times in one day and once on Sunday the XXXX of XXXX. I did not talk to her at that time, but I checked my voice mail and it was her leaving a message. I have since logged & received today on XX/XX/XXXX XXXX calls all by XXXX. I have within this past week received over 7 plus calls from One Main Financial which is against the law. They are switching up calling from private numbers and from their XXXX number. The calls/phone numbers/ date & time are kept on my cell phone incoming log.
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| 07/16/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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OneMain Financial XXXX being represented by XXXX, XXXX and XXXX provided a written settlement agreement for debt owed. I signed the agreement and paid the settlement amount. However, XXXX, XXXX, and XXXX began garnishing my wages, although we made a settlement agreement of payment in full. An agent of the company spoke with my attorney and misrepresented himself as an attorney. He stated that I would be reimbursed for the wage garnishments. However, I have not received any type of reimbursement, and my wages are continuing to be garnished. XXXX, XXXX and XXXX will not speak with me or my attorney about this matter and continue to garnish my wages even though we had a settlement agreement.
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| 01/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with cash advance
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Web |
Older American |
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Hi XXXX XXXX on XX/XX/22 at XXXX p.m. try to acquire a online loan through one main financial. Phone number XXXX. The agreement was for {$10000.00}. They put {$700.00} in my bank wire check. When the check filled I then called the police and made the police report case number XXXX Tuesday XXXX it was reporting XXXX XXXX XXXX XXXX. The other phone number for OneMain Financial is XXXX. They have since called and tried to obtain the {$700.00} again saying they needed the {$700.00} it was a test run so that that deposit the balance of the {$10000.00}. At that time I was told by the bank officer while I was sitting at the bank with the bank manager at XXXX XXXX XXXX stop the conversation.
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| 05/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This account does not belong to me. It was previously deleted from my credit report when found inaccurate, and has reappeared under a different collection name. This account is fraud.
Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status date XXXX XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This account also does not belong to me and is fraudulent. This collection was also removed, but had reappeared. My profile has been frozen and fraud alert put on it.
ONEMAIN Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment
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| 10/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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I spoke with One Main and let them know that I am working with a debt consolidation company and that company will be contacting them appropriately XX/XX/23. I continue to get calls even after I had the discussion which is fine if they feel the need to continue calling until XX/XX/23. However, there was a call that was placed to my work shared business phone line from a number that came up as XXXX. They started discussing my personal financial information on this line without any sort of verification on whom they were speaking with. My concern is that my information is being shared without any sort of validation or business need to know... I think this is possibly a privacy violation.
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| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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It Stared with an oldXX/XX/XXXXCell Phone I used to owned with XXXXXX/XX/XXXX. I was doing my own investigation who has the phone on XXXX Search XXXX. The phone was located Somewhere in XXXX, NY and also at a near by ONE MAIN FINANCIAL XXXXXX/XX/XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXX/XX/XXXX Credit Score Report
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| 09/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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|
Web |
Older American, Servicemember |
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This is my third loan with One Main Financial. I am an older American and XXXX Veteran.
My title was never returned to me upon full payment of the previous loan. One main instead coerced me into another loan in order to get my title back to my car. One main also without my consent after I clearly declined their insurance offer still signed me up for auto insurance I do not need as I already have automobile insurance saying.
One main is charging me an unfair, excessive, and unconscionable amount of interest on this title loan. I have never been late with any loans and should not be charged excessive interest as I am not a subprime consumer and I have a excellent payment history.
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| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX WV XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ), has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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| 02/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
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MY Wife and myself got this loan in XXXX and payed XXXX plus some extra per month My wife passed in XXXX and left a large debt because of her medical costs no life insurance for her so by that time I've payed the total of XXXX dollars and from XXXX to XXXX I payed another XXXX for a grand total of XXXX so far and they say that I still own them XXXX left to pay the loan was for XXXX XXXX and if have to pay any more I think that it would cost XXXX total of XXXX and that's with out the interest they would add so the XXXX I got would cost me about the total of about XXXX plus dollars for a XXXX dollar loan would be the cost of 3 times the amount when is this OK thanks XXXX XXXX XXXX
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| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification.
On XXXX XXXX, 2019, ONEMAIN add a hard inquiry on my credit report.
On XXXX. XXXX, 2019, XXXX XXXX - XXXX add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( ONE MAIN XXXXXXXX ), has violated several of my rights.
15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not furnish an account without my written instruction.
15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-in consumer credit plan as late for any purpose.
Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.
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| 12/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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XXXX and XXXX of 2020 I applied for a personal loan on XXXX and they told me that i did not have enough check stubs and that was fine. So i applied again on XXXX I put the app in and they told me that i was approve and they would use my car as collateral and i needed for 4 check stubs which in my case 2 since i get paid ever 2 weeks they lied and said that i was not approve because of income which i know is a lie because i am a truck driver and then the next day i called customer service in Indiana there main headquarters and said i got turned down because a have alot of inquries which is a lie too.
one main financial XXXX XXXX XXXX XXXX.
XXXX XXXX Oh XXXX XXXX XXXX XXXX
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| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, ONEMAIND add a hard inquiry on my credit report. On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 06/07/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Over the past month, this debt collector, One Main Financial, over the past 4 weeks have attempted to call me multiple times per week, in some cases as many as 4 times per day, all within the hours they are allowed, but exceeding 7 times per week.
They are repeatedly violating the FDCPA. Here is one month 's worth of call attempts.
For the week of XXXX to XXXX they have attempted to reach me XXXX times ( with a day to go ) For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times
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| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
Older American |
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Received loan from One Main Financial on XX/XX/XXXX for air/heating system replacement. Paid off loan before end of 60 month contract on/about XX/XX/XXXX. Read of deceptive practices finding of company. Reviewed paperwork to discover that life insurance was charged with loan ... no company listed. Made approximately 10 payments before paying off early. Was not refunded for interest or insurance that was not advised of or explained. Was just given a payoff amount to submit. Did not want negatively affecting my credit so submitted as required. Requesting what is due to me ; insurance, interest, credit for payments made and all other charges that should have not been assessed.
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| 01/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
Servicemember |
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After loan closed received instruction for monthly payment and set it up accordingly. In addition to the monthly payment I emailed the company to apply all additional payments to principle only. After making 8 additional payments on a weekly basis they called to notify me that they pushed all payments to XXXX as early payments because I should have called them and there is nothing I can do about paying early. They already applied my payments until next XXXX.
No company should have the right to take all payments and apply them how they want to without customer notification and secondly call to tell you they were applied to the account differently than requested by customer
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| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XXXX report as of today reporting Springleaf Financial account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for Springleaf Financial to present a debt not owed by me from the original creditor XXXX, Springleaf Financial reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.
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| 08/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
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I have made 3 calls on total since making my last payment for a deferment, the deferment wasnt honored by them and I was told it would be fixed by a manager, I was also told I would receive a call back and never did, this is still being reported in my credit inaccurately as well do to them not updating my payment that was made and now Im being threatened that my car will be repossessed once again by this company, at this point these practices are deceptive and dishonest, having a consumer make a payment and not crediting them for the payment is against the law and I would like this loan completely forgiven as I wish to no longer do business with a company like this.
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| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX
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| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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have reached out too these companies back in XX/XX/, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
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| 07/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I took out a personal loan of XXXX with OneMain Financial in XXXX of XXXX. I have paid on time every month since up until XX/XX/XXXX. However, the balance has not changed much since the beginning of the loan. I do not feel as if the payments are being applied correctly. I have spoke to several employees at the XXXX OneMain office who is not able to help me understand why the balance is not decreasing. One stated that the interest is gained daily whether you have paid or not. I do not remember reading this in the contract or being told of this. Please help me in this situation. I have attached my first billing statement and my current billing statement for proof.
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| 09/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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Well first we made an agreement for me to receive a loan at waste time I met set agreement and right before I'm giving my money they taxed on an extra {$450.00} charge which I paid and then they said that their machines we're having problems processing it so I would need to send an additional {$200.00} before I was able to get my phones that I was already promised and had already met through card agreement and now they refuse to refund me any of my money and states that if I do not pay the XXXX that they will throw my entire as long as they make and money that I spent so far out and I will get nothing that money with my sister 's insulin I need help immediately
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| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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One Main financial, and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by XXXX. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, One main financial has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the XXXX XXXX mark.
XXXX is reporting XXXX consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.
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| 06/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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XXXX XXXX offer a reward program that if you make 6 consecutive payments on time you decide your reward, A decrease APR or increased credit line, so i made my 6th on time payment and I did not get to choose my reward, they gave me a decreased APR and i called them on XX/XX/2023, around XXXX and their stating that my credit rating doesnt qualified for increased credit line, and it does not state that on the rewards page, but i also was making {$50.00} payments instead of the minimum {$25.00} and i would like to have my credit line increased, because it states i get to choose its my way and i feel their taking advantage of people, cause they only drop XXXX XXXX
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| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In early XXXX, I had looked into the possibility of obtaining a personal loan from OneMain Financial. While going through the process and submitting some basic information, I decided against applying for the loan. To be completely clear, I did not finish the application process as they were asking for more documentation I was not comfortable giving to them AND never received any sort of loan offer because the application was never finished. Today, I was notified by XXXX that OneMain Financial had created a hard inquiry for credit score WITHOUT my authorization OR permission, as I had made it extremely clear I was no longer interested in applying for a loan.
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| 10/28/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Every month, when the payment is not received by the due date, the company starts harassing me by calling up to 3 times per day Monday to Friday and up to 2 times each Saturday, up to 32 calls a week. I am never 30 days late ever, but the calls 3 times a day is annoying especially since they do not leave a message and at times will use numbers from other area codes and will not utilize my email and have not honored the the cease and desist letter sent in XX/XX/2023. The company refuses to refinance the current balance unless I want to increase my loan. Company has never honored the split payment, 2 times a month request. There are violating the 7 7 7 rule.
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| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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One Main Financial is in violating my rights as a consumer under laws 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
15 U.S Code 6802 Obligations with respect to disclosures of personal information ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 1681a - Definitions ; rules of construction consumer report ( 2 ) Exclusions. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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| 09/28/2023 |
Yes |
- Debt or credit management
- Debt settlement
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- Problem with customer service
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Web |
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One main financial has failed to comply with their agreement. I was told on a previous loan before refinancing to have additional purchases such as *if something were to happen* and I did. I put in a hardship XXXX weeks ago and called and they are just now returning my call requesting money for a missed payment XX/XX/2023 Prior to the missed payment I have tried to contact the XXXXXXXX XXXX office. XXXX hung up on me during the conversation and I attempted to call back and she stated the XXXX will call back and a later time and hung up once more. Its so unfortunate that these XXXX XXXX companies have employees that lie and are distasteful to deal with.
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| 01/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I applied for a loan. I asked if they were doing a hard or soft pull on my credit. I was assured that it was a soft pull. I ended up turning down the loan because I did not want it. I had a better offer from a different company. I told them I did not want the loan. I found out from the other company that OneMain did do a hard pull. When I told them I did not want the loan, I asked for a letter within the next seven days because that is how long the other offer through the other company was good for. I was told that was not possible. They were extremely rude and now I can't even get a letter stating that I turned down the loan so I can get the other loan.
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| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation.
15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
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| 11/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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I was given a loan with OneMain which they secured with my XXXX XXXX XXXX XXXX XXXX Title. They valued the truck engine at {$13000.00} and added {$3000.00} for insurance. This loan was secured at the start of the pandemic in early XXXX. I have been unable to pay and the local office was aware. They recently obtained an outrageous judgement of over {$21000.00} yet will not release my title to me so I can attempt to sell the truck and reduce the amount owed. I was attempting to fight this in court but my witness was ill. I would like an opportunity to try to sell the truck or suggest they sell. Their comment, through attorney, was we dont hold collateral.
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| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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OneMain Financial is reporting an acct as delinquent on my credit file, however this acct w/secured by a vehicle which I voluntarily surrendered.
The acct w/secured by a XXXX XXXX XXXX. I contacted OneMain Financial on XXXX XXXX via email and advised that the vehicle could be retrieved from XXXX XXXX which has a mechanic lien on vehicle. OneMain Financial did not follow procedures in retrieving the vehicle and has also sent account to another outside collector.
Per SC Lemon Law I am requesting that this debt is cancelled and removed from my credit file.
Please ensure that this amount is updated/removed as it is negatively impacting my credit score.
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| 03/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
Older American |
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On XX/XX/2023, I applied for a loan extension with OneMain Financial. I filled out the application online and submitted all the necessary documents and IDs.
It was too late in the day to get an approval so the gentleman asked me to call him on Monday.
When I called I asked him about the loan and he stated that the loan was approved.
He stated that he wanted to see if he could get me more money.
So he said that he would call me back in an hour.
I asked him again about whether the loan was approved and he said yes.
When he called back he stated the initial loan request and the additional funds were declined after he told me the loan was approved
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| 07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
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| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Account number : XXXX One main financial reached out to me to inform me that the account was Past due and must be brought back to current if not it was going to be closed. That was in XXXX i believe. I reached out to them that week. They said they had closed the account however they have not charged ot off yet and could have it reopened by setting up a new automatic payment agreement. I have been making ontime payments since in the amount of {$220.00}. On my credit report, my mortgage hoke lender notified me that one main financial charged off the account and reopened it with my new payments, however it's the same account. It was never charged off.
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| 12/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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The company ONE Main Financial Group has harassed me daily by calling my personal cell phone number from XXXX, XXXX, XXXX until this present day XX/XX/XXXX. Repeatedly! ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also, during this time of national unrest and a national pandemic, ONE MAIN Financial Group sent a Sheriff Deputy to my house that tested XXXX for XXXX XXXX and they could have possibly exposed me to the XXXX. I have saved the text message in my phone, where I was sent an alert stating that the deputy was symptomatic and had been in close contact with someone who had XXXX XXXX. The deputy was not wearing a mask when he came to the door.
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| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
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| 06/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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It was not told to me directly in writing within the terms that a hard inquiry will be pulled from a financial institution on a pre-qualify offer. I contacted the financial institution to provide me the terms that stated it specifically and they denied the request. I then went to dispute the hard inquiry with XXXX and they concluded it was to remain on my profile fir the 2 years. This is concerning as it is now negatively affecting me and I am not provided with more information. I will continue to push for more answers and an actual resolution to this, even if it needs to be that I take legal action on both the financial institution and XXXX.
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| 06/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
Servicemember |
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So I have taken out two loans with main financial and the first time I took a loan with the in XXXX of XXXX for {$2000.00}. I did feel as if I was forced to add on packages to get my loan funds. I added on two packages that I felt where the cheapest and called it a day to get my loan. Then I had another loan in XX/XX/XXXX for {$7000.00}. They tried to get me to do the same by adding on packages but I did at first and then I ended up taking them off which was a big shocker to the rep. She tried to explain to me why they are beneficial intensively but I didnt budge. I also believe on both of my loans there XXXX have been added interest charges.
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| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.
ONEMAIN Personal Loan Companies XXXX/2022 XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
This is a duplicate inquiry and shall not be showing on my credit report.
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| 02/20/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I sent a payment to OneMain Financial to pay off a loan in which the tender of payment was refused. I recently seen in UCC 3-603 that if a tender of payment is refused, there has to be discharge of the debt. On XX/XX/XXXX, I sent OneMain Financial a conditional acceptance notice where I asked for specific information and for them to validate the debt within 10 days after receipt of the notice. It has since been 35 days and I have not received any information I requested, and this makes this debt invalid due to them not responding to my offer of a point-by-point basis via sworn affidavit signed under the penalty of perjury.
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| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/, I had a hard inquiry on my credit report from One Main and then another from XXXX XXXX XXXX on XXXX ( today ).
I contacted One Main immediately and was forwarded a link to dispute it, which I promptly filled out with all the requested information. I then received a mailed packet of the same information, which I again filled out. I have not received further communication from them.
XXXX immediately stopped the inquiry today and said they would handle it within XXXX hours.
I contacted XXXX, who said they would remove it from my account. I called XXXX, who I need to send in this report and multiple pieces of documentation.
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| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.
ONEMAIN Personal Loan Companies XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
This is a duplicate inquiry and shall not be showing on my credit report.
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| 12/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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Im not sure why my complaint was closed when I have 60 days to respond that's not professional at all. OneMain continues to persist that they aren't governed by federal law which is not true at all. OneMain never explained to me what how they came up with the finance charge in our agreement. Not only that but I also read that the finance charge is the sum of all charges, so how would I be paying anything more than that? I also understand that OneMain is supposed to tell me about my right to rescind this transaction and Never did. None of these right were clearly and conspicuously disclosed to me. This whole transaction is unlawful.
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| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXXXXXX Credit Bureaus is reporting hard inquires that was not authorized or given consent to to pull my credit file. However, I noticed several soft inquires on multiple occasions which could possible be a error which is why have asked for an investigation into this matter, 1. ONEMAIN INQUIRY HARD PULL XX/XX/2022, ALL OTHER ONEMAIN CREDIT PULLS soft pull DATES ARE XXXX. I HAVE NEVER AUTHORIZED OR GIVEN CONSENT TO THIS COMPANY TO DO A SOFT OR HARD PULL ON MY CREIT REPORT NOR DID EVER COME IN CONTACT WITH THIS COMPANY..
XXXX XXXX I HAVE NEVER AUTHORIZED THIS COMPANY OR CONSENTED TO THIS COMPANY PULLING MY CREDIT AT ANY TIME.
|
| 10/26/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/XXXX I received a bill from A company named XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they bought this loan from American General. I took out a loan from American General in XXXX or XXXX. I havent heard anything from American General since XXXX, so I was under the impression that the loan was charged off. Upon speaking with XXXX XXXX XXXX they said that they bought the loan from American General. XXXX XXXX XXXX is saying that we have a outstanding principal of {$80000.00} and the total amount due is XXXX, they are also threatening to take my property. There is now a lien on my property and foreclosure activity.
|
| 09/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you.
Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 05/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt collector XXXX and XXXX is in direct violation of my privacy right by contacting my employer XXXX XXXX which in turn shared my information with XXXX XXXX XXXX company to garnish my wages for XXXX - percent per pay period until debt is paid in full. I did not authorize my personal info to be shared by anyone which is a violation on XXXX XXXX The balance is intentionally being reported with incorrect info from XXXX and XXXXXXXX as of this email my balance is XXXX they are reporting my balance at XXXX which is inaccurate. per these violations i am asking for garnishment to be dissolved and all money be returned asap
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act,
15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
ONEMAIN XXXX Balance : {$5800.00}
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, these creditors XXXX XXXX XXXX XXXX, One Main Financial Corporation, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Please update my credit file in accordance with sections prescribed above. Thank you
|
| 03/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Its not the first time they trick me. i get approved they hit my score with credit inquiries and after all they denied the credit.
The funny thing is that they keep sending me registered cards and letters, even saying that I am approved for. the information is confusing and they create several difficulties after sending the documents. I did the whole process and at the end of that last attempt, I was told that I was denied because my coborrow was from another state, New York in case I reside in NJ in XXXX County on the side of XXXX facing the XXXX XXXX ... I want them to remove the inquiries in my credit report right now
|
| 11/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
on XX/XX/XXXX at XXXX XXXX XXXX was awoken to a call from XXXX XXXX at One Main Financial claiming i owed {$4700.00}. She asked me to divulge my birthday and SSN but I would not comply. I quickly asked her to share the birthday that was onfile XX/XX/XXXX which is not my birthday. I asked her to verify the XXXX she had on file and she could not. I then asked her to spell the last name and she said XXXX.
XXXX XXXX was deceptive and not forthright or forecoming in her communication in trying to collect a debt. I believe One Main Financial is operating outside of standard business practice and should be investigated.
XXXX
|
| 09/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I am making a complaint about the amount of times they call to collect a this debt. I am a month behind currently and they call multiple times a day. In the last week, they have called me multiple times. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX and XXXX and today, XX/XX/XXXX : So far at XXXX and XXXX.
I have the right to not be harassed by a debt collector and at this point, they are harassing me. I understand being behind and they need to make calls but you do not need to call me multiple times a day.
|
| 01/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
XXXX closed my account in XX/XX/2022. And then had to do it again the account in XXXX XX/XX/2022. They finaly got the account closed. Or i thought it was closed. They reopened the account and charged to it and reported to credit agencies that I was payment was over due. witch drooped my XXXX XXXX by XXXX points. Have talked to customer service they transfered me to the fraud department, then I was transferred to disputes, and then back to customer service. They kept me in a circle jerk for over XXXX minutes. I finaly got fed-up. And went to you. I have checked online and there are hundreds of people that have complained.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
|
To : OneMain Holdings, Inc. XXXX XXXX. XXXX XXXX XXXX, IN XXXX XX/XX/2022 RE : OneMain Financial Impermissible Credit Report Use To whom it may concern : a Hard Pull against my credit by OneMain Holdings XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX occurred on XX/XX/2022. It was unauthorized. I have attached the disclaimer from XXXX XXXX that states that checking for loans will not hurt my score.
I am requesting that the unauthorized credit check be corrected, immediately, and reported to XXXX, XXXX XXXX, and XXXX as such.
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX Copy : XXXX XXXX
|
| 12/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my remaining loan amount of {$15000.00} and OneMain did not acknowledge it to update my credit profile for XXXX month. OneMain did not release the XXXX for my truck for XXXX month. OneMain knocked my credit report for late payments, decreasing my credit score, even after I paid the loan off. Apart from being a predatory lender, OneMain 's customer service was a joke. While waiting for my title release, I lost out on an offer from someone who was interested in purchasing my truck. Now the value of the truck is decreasing due to forces out of my control. Please take off the late payment reporting to my credit.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a hard inquiry on my credit reports from XXXX XXXX and onemain financial. I do not have an account with XXXX XXXXXXXX or onemain financial. I have contacted XXXX XXXX they gave me the XXXX XXXX number. I also contacted OneMain financial and they told me to contact the credit bureau as well because they had no records of my credentials in their system. When I spoke to XXXX XXXX, she could not find a profile under my Social Security number or name but yet, I still have a hard inquiry on my credit report. This happened XX/XX/XXXX and XX/XX/XXXX, I know for sure I didnt open account on that day or any day prior.
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received 10 calls in one day with a total of 12 calls. Two were XX/XX/XXXX and 10 on XX/XX/2023. I called the representative back at one main asking for a corporate number to discuss. She informed me that the system was on auto dial and shows she only called once on her end at XXXXXXXX XXXX. I informed her of my concerns and they need to have this checked since the auto dial called multiple times and I let her know I would be submitting a complaint. At this time, I would like all correspondents going forward to be by mail only. I am no longer to be contacted by phone as this is intrusive and during my work hours.
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The XXXX credit reporting agency is reporting inaccurate information on the account ONEMAIN. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. The charge off period reported is not accurately reflected in the policy. The data furnisher has breached the policy & are reporting this information inaccurately. Secondly the FCRA, which requires all reporting to be 100 % accurate, is not being adhered to legally. Since this account information is NOT 100 % accurate it must be deleted from the CBs report.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit.
XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Bank inquiry XX/XX/XXXX OneMain financial inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry.
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
This has been going on for nearly a year now and I thought yall was here to protect me from companies like this and there practices!!!! I had 2 accounts with this company and have had them for years, all of a sudden XXXX of 2021 one of the accounts stop reporting to the credit bureaus causing my score to decline drastically, I know yall gon na say Ill filed this report against them already but now they have went a step further and the accounts are not sho at all on my reports as if I never had an account with them at all!!!! I asked for a few late pa to be removed and the entire accounts have been removed!!!!
|
| 04/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have mailed and offered a settlement offer to the company to let them know I am experiencing financial hardship and am no longer able to afford the monthly payments. They have responded in writing indicating that they have received a request to stop contacting by mail or phone, which is not what the letter says, and to fax over the preferred communication. I faxed over my preferred communication style with a note indicating for them to mail financial hardship options and have yet to receive any. Given the nature of my employment, I am not able to communicate via telephone, hence, the writing communication.
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Upon obtaining my XXXX credit report, I noticed that there were unauthorized inquiries from OneMain Financial. I have no banking relationship with this company and theyve pulled my credit without my permission on the date of XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
|
| 02/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I received mail from One Main Financial stating pre qualified loan vouchers. I indicated on my application that I had no vehicle for use for a title. I submit my application they stated I was approved for a secured loan and needed car title, its misleading because on my application I put I have no car. I call the location on XXXX in XXXX Fl and the representative stated to herself not sure why they asking for it, if you put that on your application. I feel I need to be compensated and credit reporting need to be removed due to misleading information n I told them no car at all on my application. Thank you
|
| 07/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Scam : XXXX XXXX called me from omemainfinancial. He sold a 4 year loan at 9 %. He had my full name, address, routing number, name of bank, home address. While I'm the phone He emailed me a contract to confirm terms and confirmed I could afford payment. Asked what it was intended for, seemed reasonable ... Untill the very last thing he asked " I need you user name and password " to deposit check via mobile deposit. That's when I stopped. He said that Covid19 prevented his staff from doing deposits so they must be done via mobile deposit. I hung up.
He had much of my info, very much. Phone number is XXXX
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have still not seen or received my title from One main and they did send email asking to discuss payoff but if you look at my XXXX statement per their App or Website it shows XXXX balance due!?!? I have replied to a couple emails b/c its hard for me to call especially during the day and emailing is my best option for communicating. I really don't see any need in calling or talking to anyone if my vehicle is paid off or shows XXXX balance. I want or need my title so i can reduce my vehicle insurance before I go out on XXXX XXXX XXXX! It has been a month since first filed compliant and still no title???
|
| 02/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification.
On XXXX XXXX, 2019, ONEMAIN FINANCIAL add a hard inquiry on my credit reports.
But company did not provide the following proof : Permissible Purpose. My written authorization. Proof that I personally initiated these inquiry.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 12/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Older American |
|
One Main Financial : ( We have noticed that your recent payments have not been the full contraual amount and have also been made on different days monthly ) My response : I have made the payment due amount on or about the due payment time, this amount shows on the app as the amount due without the option to pay the contractual amount or lose interest and principal normal credited amounts?
It is misleading to show a customer the amount due and then credit less principal and interest because of the payment you supplied the client without disclosing they lose principal and gain interest? Very misleading.
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
An application was submitted through XXXX XXXX with OneMain to apply for credit, the offer stated as a soft pull, but instead OneMain did a hard pulled that affected my credit score, OneMain representative from XXXX, XXXX called me severals times requesting information, but nothing was providing to her because i was no longer interested in proceeding with the loan, I have asked them to removed this from my credit file. But they sent me a letter and denied my request.This company is in the business of misleading consumers to hurt their credit and is desperately out to make money by all means necessary.
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I got a loan on one main financial they sold me unemployment insurance with XXXX XXXX XXXX When one main financial sellsthis product I ask them what document the insurer asks for if i were unemployed and one main financial employee told me that only the insurer would ask me for proof that I apply For unemployed insurance State of california EDD which was not true, the insurer asks me for documents such as payroll payments from XXXX years ago which is very bad for me that they ask for those documents when I apply for the loan they did not ask me for that and I am still without a job what can I do there
|
| 09/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XXXX I made a payment of {$190.00}. On the reverse side of the bill it stated that I could make a " principal only '' payment to save money. I followed their instruction and paid {$190.00}, the receipt said my balance was a total of " {$5700.00} ''. When I made my payment the following month ( today XXXX ) the balance went it to XXXX. She stated it was because interest payments need to be made with principal only payments. That was never told to me. Furthermore it doesnt make sence for me to pay my bill, only for it to increase the next month. I feel they do this intentionally to charge more money.
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX ONEMAIN Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you.
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX One Main Financial XX/XX/XXXX
|
| 07/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have no agreement nor account with One main. I've previously requested validation of the debt they claim i owe, to which they have failed to perform. They continue to communicate with non-affiliated third parties that I owe a debt to them. I've never given them written or verbal permission to report and or communicate any information to anyone. I've previously sent a Cease & Desist communication on all mediums including to non-affiliated third parties that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights.
|
| 12/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company supplied fraudulent information and has NEVER supplied a promissory note with my signature on it- only a fake contract that says e signature which Ive never seen before in my life that has my personal information on it that I did NOT provide to them- is NOT a validation of debt. I will complain again until this item is removed from my credit report.
I have asked for a copy of a SIGNED contract- they have never supplied this information but continue to try to say I owe a debt for something I never signed and are adding all kinds of fees and crazy balance reporting to my credit report.
|
| 04/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Hi, I paid this loan off for the payoff amount that was given to me in XX/XX/2022 in the amount of {$5600.00}. Afterwards, I was told that I still owe over {$1000.00} more for interest. One Main Financial is ripping people off after they're getting paid the money. I spoke with several associates/managers and even Corporate people but still nothing. Even when they were getting paid by the insurance company while i was out of work due to XXXX, they still reported me to the credit bureaus as non payment. I am not paying them anymore money, esp when I've paid them more than the actually loan itself.
|
| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account closed with one main XX/XX/XXXX. Account does not reflect being closed at that date to stop gaining interest. First two payments were made XX/XX/XXXX. Payments have been made on time consecutively since XX/XX/XXXX the account does not reflect on time payments. It only shows that no activity have been made for the past two years. Was never notified by the company that payments were not received nor were there any alerts received on my credit report or through any of my credit monitoring services. The only activity from the company was litigation actions with no forewarnings on my behalf.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. One Main Financial, XXXX XXXX, XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized and promises of no reporting were made verbally over the phone for One Main Financial. I do not have recollection of who the other two companies are that are reporting : XXXX XXXX and XXXX XXXX are reporting on XXXX during/after the FTC reported XXXX breach .
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Previously, disputed CFPB complaint reference # XXXX on this account and results came back still inaccurate. Account is not stating 100 % accurate. * Account reports CLOSED while in collection with a pass due amount. There is no way that account can report pass due if account is dead. * Reporting consecutive Charge off as if it was some sort of payment method. * inaccurate date of last activity reporting XX/XX/XXXX by XXXX XXXX XX/XX/XXXX XXXX while XX/XX/XXXX. *Account is still not reporting as disputed by consumer. I have the right to an accurate credit report and you are not providing it.
|
| 09/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are two inquiries for OneMain for a loan. I didn't make these inquiries. When I called OneMain they provided a different phone for the inquiries and I requested that these inquiries be removed. I also stated this is a case of fraud please don't disburse any funds. I was assured that inquiries would be removed and said person would have had to come into the branch and provided ID. Please help me have 2 inquiries removed from my report. Dates XX/XX/XXXX and XX/XX/XXXX. Not that this has anything to do with this case. I provided my ssn to a XXXX ad for work which I believed to be a scam..
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I settled a payment arrangement with One Main Financial service. On my credit file they are reporting late payments which is inappropriate, fraudulent and inaccurate. XXXX has been keeping the same information on my credit profile which is hindering my score. XXXX keeps stating the profile is updated but no changes has been made. They have already been fined for reporting inappropriate and inaccurate data. Please delete this account or update my payment history to ND or paid/ settlement because I have not been late on payments so I should not have a negative payment history on this account.
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| 12/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Older American |
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OneMain Financial failed to update the payment due on the second Wednesday of each month as previously approved causing my checking account to be overdrawn.
On XX/XX/2022, OneMain records show a payment made on the second Wednesday.
On XX/XX/2022, OneMain presented the payment which previously was approved to collect on the second Wednesday of each month.
On Monday, XX/XX/2022, I called the Office saying not to present the payment until Wednesday, but OneMain intentionally claimed to be paid on XX/XX/2022, causing overdrawing of the account.
Such abusive treatment is not acceptable.
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| 06/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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the company ONE MAIN financial has been charging me exuberant fees on top of that they call my work place and call my friends regarding my debt and they dont stop calling me whenever i get a late payment and reported me delinquent inspite of talking to the company and making them fully aware that I will be paying late but i will make sure i pay and now they reported my account delinquent were in i was just paying late due to being affected by covid starting from 2020 and did not get paid.
I informed them about options where they can help mebut declined and stated that they can not help me!
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| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I have notified BOTH onemain AND XXXX multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both Onemain and XXXX are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
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| 06/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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What a misleading scam. I was " pre-approved '' with " outstanding '' odds of approval. I applied and submitted all sorts of documentation. Problem is they didn't even tell me that I was now applying for a " secured loan. '' The loan I applied and was pre-approved for was a non secured loan. They never got received my permission to move forward with an application for a secured loan. I would never have even submitted to a credit check for a secured loan. I consider this bait and switch, fraud and I'm filing banking complaints and a XXXX complaint. This is not the way to conduct business.
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| 01/22/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/2022, {$2400.00}. One Main was part of my debt consolidation which they agreed on a lower rate. The loan with One Main was paid off via the cost they agree on with the company. Everything was finalized and they were paid.
I feel that they should have not ask for any additional money since they agreed to the payout amount to close the loan account.
They sent me a XXXX XXXX which should have never been reported!! How can a promise to take a loan payment agreement to resolve it become a scam to get additional money via taxes? This should have be resolved and written off as agree!!
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| 03/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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One MainXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX has a different status notation on each of XXXX and XXXX credit reports.
XXXX says " Closed '' and XXXX states " 120 days late '' on their report.
I have notified these bureaus many times and have not gotten this problem corrected.
According to 15 USC 1681 ( a ) ( i ) i can dispute these violations if I believe them to be erroneous. As you can see, they are incorrect. ( Paperwork submitted ).
In addition, these account inaccuracies are hurting my credit standing and are harming my purchase of a house, car, and credit cards as well!
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| 09/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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Web |
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I was sick for XXXX weeks and unable to work. I contacted Onemain for short term hardship. They asked me to send them 2 months bank statement. Which I did. They came back and said that there were deposit in the account even that there were a drop of 50 % on the deposit. Somehow that show profit for a self employed individual. Those most of those deposit were just XXXX transfer to cover expenses because I was not working and the underwriter can clearly see that. I do not know why this company just want to push peoples to the edge when they know you are having a temporary financial issues.
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ONE MAIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
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| 10/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/2022 {$6500.00}
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| 09/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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|
Web |
|
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Since XXXX I have paid OneMain Financial {$1200.00} in interest fees.
I have only paid {$370.00} towards my principal.
Previously, around {$60.00} had been going toward my principal the past 2 months, only around {$30.00}.
Is there not some sort of pay structure these companies have to follow?
Can they just put whatever they want towards the interest/principal?
I called them and told them they were going to have to lower my interest or come get my truck. Their reply was " we don't come get your vehicle, we're not in the used car business we'll just sue you for the money. ''
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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My account through my bank was frozen last year because there were inquiries on my credit report which I did not make. Someone unfroze the freeze placed on my account and then there were 2 inquiries on my credit report - one for XXXX and the other for OneMain Financial. I did not apply for credit from either company.
I contacted XXXX to freeze the account again and remove the inquiries from my credit report. XXXX said I should contact the companies. I did get a hold of XXXX and tried to get a live person at One Main, but had to send an email because I couldn't reach a live person.
|
| 05/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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|
Web |
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I received multiples notices through mail and email in regards to pre approval for loan with Onemain financial. I opened the loan in XXXX of XXXX at the time of opening loan I was not employed. The interest of the loan makes it impossible to become current and pay in full. I called in XXXX of XXXX in attempt to resolve this debt. Creditor reduced my balance {$4000.00} in which Im still actively paying however onemain is reporting to the three major credit bureaus that the account is charged off wish is false. I have hired attorney and will be seeking dmages as this has affected me.
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| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
I had two accounts that went negative ( health issues ) and after they were closed they were paid off. They were paid off with the lender not a collection agency like it is being reported. XXXX XXXX XXXX.was paid in full yet they still report it as current payment status : in collections/charge off and account status either derogatory or charge off..they refused to correct it. XXXX XXXX was also paid off yet they show.the same that the account is still derogatory. This has hurt my score more because it is still showing current status as in collections/charge off with all 3 bureaus.
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| 09/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Company isnt resolving my dispute and I spoke to the dispute dept and she was rude and didnt issue me a credit for a XXXX transaction that I received a statement for XXXX and I had a credit balance earlier and the next day it shows that I owe XXXX the next day which is weird I dont know the full account number ends with XXXX the transaction in question is XXXX XXXX on XX/XX/2023 and I need to have this charge credited on my close account asap so I can move on with my life.
I never use this one main credit card and I closed it few times due to low credit limit and high annual fee
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| 03/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me.I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days.
XX/XX/XXXX - OneMain Financial ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
|
| 09/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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I received marketing from OneMain Financial. I have used XXXX Opt-Out, the DMA, and National Do Not Call to stop getting calls from telemarketers and credit card offers. I still continue to receive offers from companies who do not honor my request. I am asking that all companies that violate this are cited for the violation. XXXX XXXX repeated marketing to me for years after my request and even after repeated requests to stop their marketing i still received marketing. As with XXXX XXXX i am asking for {$1500.00} per violation and that the companies are cited for these violations.
|
| 09/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/2022, One Main added derogatory marks on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, One Main has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.
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| 01/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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I received an email from One main financial stating that I could pre-qualify for a loan and that it would not affect my credit score in any way I then proceeded to submit the last XXXX of my social to see if I pre-qualified at that time it said that I did not. This happened on XX/XX/XXXX around XXXXXXXX XXXX. I then received an email from XXXX stating that they had done a hard inquiry on my XXXX XXXX from One main financial, who told me that it would not affect my XXXX XXXX in any way. I would like to have this resolved because they did lie when in fact they did check my credit.
|
| 02/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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On XX/XX/2020, I was shopping online for personal loan, I started from the website of a online lending platform called XXXX XXXX, the webisite have said that they will not do a hard inquiry on my credit report. Then OneMain Financial, which got my information through XXXX XXXX, approached me via email to ask me to apply for the personal loan, after I typed into my information, without any notice, they have conducted a hard inquiry on my credit report which cost me 14 points. I would not give them my information if I was notified that OneMain will do a hard inquiry on my report.
|
| 02/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I borrowed XXXX from one main financial in XX/XX/XXXX. Then on XX/XX/XXXX I borrowed XXXX after the individual stated since my credit score was XXXX I'd only have an 11 percent interest rate which apparently isn't correct to one main financial its XXXX percent after reviewing the audit they sent I still owe over XXXX I've been paying monthly since loan began. Now I feel I've been lied to also had disability insurance and death on original loan which wasn't returned or refunded plus they refused to make 2 payments after I became XXXX due to injury.any help would be appreciated
|
| 02/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company demanded payment on a loan, that I gave no authorization too, in writing, by verbal consent or in person. I was not aware of such loan. I did not apply for loan online or in person.
I have not gave consent for such loan or applied for the loan. I tried to communicate with company about this debt, however results were unsuccessful in my disputes. The company demanded payment from me, and fully aware that I did not apply for such loan in person or online.
Company on these dates took out the following amount.
XXXX {$180.00} XXXX {$180.00} XXXX {$300.00} XXXX {$300.00}
|
| 11/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
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|
Web |
|
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I have explained to them many times I cant afford the monthly payments because of change in income and they have not been helpful, they have also threatened to repo my car as well while I have been making payments the entire time.
I am also being told to pay a certain amount verbally but their website is reporting a different amount.
This company has not only made my life difficult financially but they also repeatedly called me during my work hours after telling them numerous times it is an inconvenient time to call me.
I have all the call records save to prove this.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
This is my second attempt with you all to address these issues i can attest that Its I and not a third party that is making this request. To recap, I have recently reviewed my XXXX, XXXX and XXXX credit reports and it indicates that I have inquiries with One Main Financial on XX/XX/2023 and XX/XX/2023. However, my contact with that company was responding to pre-approval invitations that I turned down after not liking the terms and conditions after completing the pre-qualifications. I was not made aware that I was applying for any loans. Thank you all for looking into this
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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XX/XX/XXXX XXXX pm XXXX : XXXX in XXXX dep with OMF Even after my long winded troubles with One main financial, wrongfully categorizing my loan. Even after not helping me fix the vehicle which is tied to their loan, I still forgave. Now Ive come to find out theyve had my loan reported XXXX to credit bureaus for some time now.
XXXX loan. Reported doubled.
And I had to find out on my own after looking elsewhere for financial assistance.
Its has been Causing a negative affect on my scores and I had no idea.
And of course, they still cant offer any help. Just an apology.
|
| 01/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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I have been receiving numerous calls a day from this company ( XXXX XXXX XXXX ). I understand the law states a debt collector is allowed to call 7 times over a span of 7 days, however, I am receiving XXXX to XXXX phone calls every day of the working week. The company is also calling my wife, who is not on the contract, numerous times a day during the work week. I am not sure how they obtained my wife 's number and the phone calls are affecting both of us at work. I have screenshots to prove the excessive phone calls. The payment they are seeking was not even 30 days late!
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently pulled my credit report and saw unauthorized inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section, and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f )
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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I certify mailed debt collector One Main Financial a cease and desist letter last week, XX/XX/21. They received the letter Monday XX/XX/21. I have continually received calls from them after Ive asked for validation of debt. Pursuant to 15 USC 1692d a debt collector may not harass, oppress or abuse any person in connection with the collection of a debt. I feel COMPLETELY HARASSED at this point, giving that according to 15 USC 1692c ( c ) I notified the debt collector in writing by mail that I, the consumer, wishes the debt collector ceases further communication with me.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
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I certified mailed ONE MAIN FINANCIAL an affidavit along with other proof regarding a billing error dispute for a statement dated XX/XX/2022 for the amount of the credit balance greater than {$1.00} along with the past, current, and future payments along with proof that this company has used my credit card fraudulently. I have in good faith provided the facts in accordance with my federally protected consumer rights. The affidavit was notarized on XX/XX/2022. I also mailed an invoice for {$20000.00} to be paid to me via check for the violations of my consumer rights.
|
| 01/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
ONEMAIN was on my consumer report as an inquiry so I disputed it. I did not give my consent for this and it injured my consumer report severely. On XX/XX/2021 XXXX removed ONEMAIN from my report but on XX/XX/2021 ONEMAIN was back on my report. Once again, without my consent. Today, XX/XX/2021, ONEMAIN is finally off my consumer report but the damages are already done. Not to mention, I had to contact fraud department for XXXX and send in dispute letters, more than once, for XXXX. ONEMAIN violated 15 USC 1681n ( a ) ( 1 ) ( B ) and I am seeking relief for the damages.
|
| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I walked in the office expecting a {$1000.00} personal loan but then was pressured into taking out a much more expensive collateral loan. It just didn't feel right. They kept insisting on taking out a more expensive loan which ended up costing me more in the end. I went from thinking I was going to get a {$1000.00} loan into being pressured into taking out a XXXX collateral loan. All of this happened in XXXX of 2020. As a result of this I fell on financial hardship and defaulted on the loan so now I'm being sued for a loan that I felt like I was forced to take out.
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was just recently made aware of multiple accounts that were attempts at either someone trying to take out credit cards in my name or that someone else 's information is somehow showing up on my credit report and its causing a negative impact on my life keeping me from moving forward and progressing in my day to day life i have already filed a police report which i have submitted in this complaint i would greatly appriciate it for these incorrect reports to be permanently removed from my credit report so that it could reflect a true reporting thank you in advance
|
| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently received a copy of my credit report. The credit report showed a credit inquiry by company ( s ) that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.
I have sent this letter l because I need your prompt response to this issues. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed.
Thank you,
|
| 09/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
OneMain is stealing money from my payments and not updating the account with the payment information in an attempt to defraud me of money. When I attempt to download the statements from OneMains website the documents will not download. When I call the local OneMain location for information they refuse to provide me statements and or an audit of the account. The local OneMain location seems deceptive in nature and I believe they purposely hiding information. I have not been supplied any statements from OneMain I believe that they are involved in criminal activity.
|
| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Voluntary repossession
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Web |
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I obtained a XXXX XXXX XXXX in XXXX with One Main being the finance company. I voluntarily surrendered it on XX/XX/XXXX. I have had this car for 5 years and still owed a {$18000.00} balance on it. Since the year of XXXX and before I have tried refinancing it, rolling it over into a new car or newer vehicle- through One Main Financial because with the maintenance and monthly payment. I was not able to keep afloat. One Main consistently informed me that there were no other options for me ;. So in XX/XX/XXXX, I stopped asking them and I surrendered it on XX/XX/XXXX.
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| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602, States : I have the right to privacy.
15 USC 1681 Section 604 A Section 2, States : A consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
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OneMain currently DEFAMING MY CHARACTER by furnishing information that should be excluded from my consumer report pursuant to 15 U.S.Code 1681a ( d ) ( 2 ) ( i ) a report containing information solely as to transactions or experiences between me the consumer and the person ( OneMain ) making the report. This information is causing damages to my CHARACTER, GENERAL REPUTATION AND PERSONAL CHARACTERISTICS serving as a factor in establishing my eligibility for credit to be used primarily for personal, family, or household purposes pursuant to 15 U.S.Code 1681a ( d )
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| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I have reached out to OneMain multiple times previously in regard to the inaccurate information they are reporting on my credit. I am a victim of ID Theft and have sent the documents I have officially filed, at their request, and still have not seen the corrections that need to be made. They are neglectful in their duty to correct their mistake since they are unable to verify with physical proof of verification of the debt they are claiming to be mine, as required under Section 611 ( a ) ( 7 ). The subjected accounts details are below : XXXX XXXX XXXX XXXX XXXX
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| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I was contacted by One Mains attorney to work out a payment plan. We agreed that I would pay it and I let the attorney know that Im doing my best during this Covid pandemic to pay my bills to please be lenient with me but they issued a garnishment on my wages anyway and taking in excess some months more than 800 dollars and still posting on my credit report each month that I am past due and this is and delinquent account in a charge off status and this is continually hurting my credit every month even though I am constantly paying on this every week I get paid.
|
| 07/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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OneMain Financial continuously contacts me over 10 times a day. I have repeatedly asked for the communication to stop on several occasions. OneMain Financial is reporting an alleged debt in the amount of {$2700.00} on the credit reporting agencies. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the inaccurate information listed on my consumer credit report. OneMain Financial calls from XXXX several times a day nonstop. I have received letters from the company advising of an unknown debt that I owe.
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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TO WHOM IT MAY CONCERN.. One Main financial ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report..
The credit bureaus ( XXXX, XXXX, and XXXX have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced..
THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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One main financial is saying I owe them money, in which I do not. I was a victim of identity theft and this was verified. I filled out a police report, I've written letters. The fact one main is reporting this account twice under 2 different names is a violation. ( one main, and one main financial ) this is not my account and needs to be removed from my credit file This has caused so much hardship in my life from having my identity stolen. They need to remove this from my file, they have nothing with my permissions or signatures use validate this on my file.
|
| 07/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I wanted to pay off my loan was hit with more financing fees when I have paid off the entire loan within a month. My first high payment was met with a phone call from the business owner insulting me by assuming I was making a one time big payment and not paying the rest. This last week I made a payment of {$2500.00}. Asking for the payoff and amount was told it was {$2500.00} called Friday XX/XX/14 and was hit with a financial charge of {$2800.00} and was told that I will need to payoff the $ XXXX. I asked to have them removed and they will not work with me
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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One Main Financial improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with One Main Financial which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts.
One Main requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.
|
| 08/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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In XXXX of 2022 I was approached by an acquaintance stating that his neice could get me approved for a loan, but I would have to pay XXXX to ensure that the loan was approved. The funds were paid and unbeknownst to me I couldve gotten approved for the loan without paying anything. I reached out to OneMain Financial to bring this to their attention and was told they did not have anyone by that name working in their offices, but upon further review on their end, there is an associate in their office promoting loan approvals and stating you would have to pay.
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Onemain called me and ask if i wanted to continue with application for a loan. few minutes earlier i received alerts from my credit monitoring service telling me Onemain financial in XXXX, SC pulled my credit without my authorization. i called the number back and spoke with a lady name XXXX. i told her i didn't apply for any loan with your company online or in person numerous times. XXXX told me to contact the credit bureaus to dispute the fraudulent inquiry, i told her that i was going to get a police report and send it to the credit bureaus for fraud...
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
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This loan is from XXXX. I never got a court judgments etc I was unemployed for 2 years. I only started working again. Medication and my lap top were in car as well. I only got access to the vehicle as my ex husband had it. I reregistered it. I got no warning they opened the gate to get it - in a private drive way. Im begging for help. Again it was not an auto loan. They paid only partial off the XXXX XXXX loan. I also purchase insurance for the loan that if I suffered job loss or hardship it was covered. They refuse to provide me original loan documents.
|
| 09/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got a loan from OneMainFinancial 2.5 years ago and I have been paying {$350.00} per month but I noticed that my loan balance is not going down, it remains {$9000.00}. I called and asked them why I am paying every month {$350.00} and my balance is still the same. They said they charge {$8.00} per day if it's paid after the due date, that was the first time I was hearing about that. I asked them to send me the contract for about 10 times but still haven't received that. I asked them to reduce my balance, they refused. I feel like I am getting ripped off.
|
| 02/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Onemain financial company belongs to my daughter, I call my daughter, and she told XXXXr that it had been only 20 days late, but on their ( onemain ) contract it stated it have to be 30 days late before they put it on your credit report and. My daughter let me know that she was paying it tomorrow, which she did, and it wasn't 30 days, it was only 21 days late, but the worker threaten me about this if I didn't pay for my daughter bill, when my daughter wasn't actually late, so she put this dispute on my credit report and I would like to dispute it please
|
| 02/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
Ive applied for a loan through this company several times over the past 4 years. I was approved three times and was always told the information that I needed to further approve my application. On the final attempt of submitting my application on XX/XX/2021 along with my personal information including tax documents, license and car registration and title, I called to verify what I need and was told by a women in the office named XXXX what exactly was needed. I was then contacted by the owner XXXX XXXX explaining why I would not be approved for this loan.
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
|
| 10/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
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I don't know what happened to the car. It could have been stolen. All I know is that I do not have possession of the car and the loan keeps growing. I have attempted to pay it on time every month, but the interest is outrageous. They did not inform me that I would be paying 4x the amount of the money I actually received. They pushed me to purchase additional products from them and were determined to make sure I walked out in debt. This company is currently in a lawsuit, and I am experiencing the issues other consumers experienced with this company.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
OneMain Financial clearly states Ithat I could check to see if I was approved for a perso AL loan without hurting my credit score. Unfortunately there are two accounts on my credit report where OneMain Financial has blind side consumers with false advertising. This is an act of fraud and I like to has them investigated for deceiving me as a consumer. I never submitted an application for a personal loan. It states check to see if you are pre-approved without hurting your credit. Also I would like an attorney to file a law sue for false advertising.
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with one main two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.
|
| 09/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a follow up from complaint XXXX. After my call with One Main Financial on XX/XX/2020, I received the following letter from One Main regarding 'an attempt to discuss the seriousness of your account delinquency ' and that the 'communication is an attempt to collect a debt from a debt collector '. After ( 1 ) calling my local One Main branch in XXXX XXXX NJ and ( 2 ) confirming my auto pay settings, I was able to double check that ALL my payments have been done in time. None of the payments have been done late and the account is not past due.
|
| 02/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I obtained a loan from One Main Financial on XX/XX/2023. Only after agreeing to the stated requirements was I told about, and given an amount which would be included in the loan as an Administrative Fee of {$50.00}. The second issue is that the origination date of the loan at which point interest began to be accrued was XX/XX/XXXX. I was advised after signing the loan agreement that the funds would not be deposited to my account for 3 - 5 business days. So basically I am being charged 20 % interest every calendar day for money I do not even have.
|
| 08/31/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
One main financial is constantly hounding me on line and by mail with fake offers. They gained access to my personal banking information and I fear they are trying to scam me. They did this to my senior mother as well. They guide you through an application and once they get your banking information they cut off. I did contact my bank and tried to revoke consent on third party. But Im feeling upset and harassed. They need to be held responsible for deceptive practices and harassing vulnerable people like myself, who lives with only being on SSDI.
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022, I received a Tennessee XXXX XXXX XXXX debit card which is received once someone applied for unemployment benefits. On XX/XX/2022, I received a letter from XXXX XXXX stating that they could not open a checking account because they could not verify my identity. On XX/XX/2022, I received a notification from XXXX XXXX that I had hard inquiries on my account. On XX/XX/2022, my credit was pulled from both OneMain Financial and XXXX. On XX/XX/2022, my credit was pulled again by XXXX XXXX XXXX. None of the incidents above did I initiate.
|
| 02/18/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC. LOCATION, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NEW YORK XXXX. THEY FAILED TO DISCLOSE DOCUMENTS RELEVANT TO THE CREDIT TRANSACTION. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges i was not expecting to have to pay these payments they have been charging me.
|
| 07/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
Intrest is extremly high 35.98 % the loan is for {$12000.00}. dollars I make a payment of {$430.00} {$0.00} went to principal and {$430.00} for interest. And another thing they charge me {$600.00}.
for loan application.The first payment that I made was for {$530.00} and when I made the above payment the balance was still over {$12000.00} dollars. I very sincerely need you help, so after I hear from you I will pay a fair balance in full I thank you in advance.
Normally I don't go borrowing money but I was taking by scams with over {$200000.00}
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have provided this loan service provider with XXXX XXXX XXXX information, which I was approved by the insurance company. I filled there XXXX forms not that long ago, and they keep sending me to fill out the forms. I have not been told or suggested how often should I be re-filling this forms. As my medical provider can not be filling this forms every month or every other week. I am 'XXXX labeled XXXX due to my XXXX XXXX and as my attending physician informed me that my injury is not something that will change for the better or remedy itself.
|
| 02/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I tendered payment via an ambiguous negotiable instrument in the form of XXXX XXXX XXXX XXXX XXXX in the amount of XXXX in accordance with HJR-192, UCC 3-603 and UCC 3-311 to One Main Financial on XX/XX/2022. They did not accept my legal instrument and refused to credit my account according to public law and are in dishonor in question without levy and without recourse. I have been denied my rights by this company choice to not honor even though it stated they are too under UCC 3-603 and 3-311. as well as public law of a Negotiable instrument
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
XXXX, Disputes/Fraud Dept. of XXXX XXXX EST on XX/XX/2020, could not see or would not admit she sees, on her end, XXXX credit report reporting on XX/XX/2020, that Springleaf account connected to fraud complaint # : XXXX, reads as to this day, in bold, black letters, that this Springleaf account is marked CLOSED. XXXX then can not see, or will not admit to see, their own data. This is a big accountability/logistics problem in itself. This is the second CRA that could not or would not see a creditor account as closed. See attached screenshots.
|
| 06/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
One main financial put add on, on my load they didn't want to remove it telling they would add a extra fees if I ever remove it plus I was paying more than what they ask for a month on my loan so I ask them were does that all that extra goes they said they would have return it in a check it never happened they charge me so much fees and lie to me about all those charges I had loan with them in XXXX and in this year XXXX I had to get a company call XXXX to help me with them so I hope this law suit can help me to recover some of my money back
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of doing business with any of these creditors above, please remove it from my credit report.
|
| 06/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I filed a complaint with the CFPB on XX/XX/2023 against OneMain Financial because an alleged agreement we entered into was not fully disclosed to me so that I understood every right afforded to me as a consumer in the consumer transaction. They responded through the CFPB on XX/XX/2023 stating that the matter was being investigated. Therefore, pursuant to 15 USC 1692g all attempts to collect any alleged debt should cease. I received a statement which is attached to this complaint with the amount of an alleged debt and late charges as well.
|
| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In the past, I disputed a tradeline on my credit reports from One Main Financial. I disputed this tradeline because according to my records the amount being reported was incorrect. Anyhow, the results of the dispute came back as verified and accurate. Thus, I wrote a letter to One Main asking them to send me ( 1 ) copy of original contract bearing my signature and ( 2 ) full accounting ( a record of all of my payments made and what portion was applied towards the principal and the interest. Till this day, I have yet to receive a response.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
|
I have several hard inquiries on my credit report that are fraudulent I need removed One main financial XXXX XXXX XXXX XXXX One main financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXe XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One main financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was fraudulently used to receive a loan from ILOAN/ONEMAIN. The address used for this loan has never been my address. The identity thief used a paper copy of my ID also. The address on the loan & id never matched up, which should have been a red flag for a company who is supposed to throughly verify identities before issuing out loans. Phone numbers, email address, etc. are also not linked to me. Even after filing the proper police report & other supporting documents, this company is still holding me accountable for this loan.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Issue Description : Clarify the discrepancy regarding the reported late payments after the account was paid in full.
Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Last Payment : -, XX/XX/XXXX, XX/XX/XXXX High Balance : {$5100.00}, {$5100.00}, {$600.00} Payment Status : Collection/Chargeoff, Unknown, Collection/Charge Credit Report Status : Derogatory, Paid, Derogatory XXXX : Discrepancy in reported late payments and inaccuracies XXXX and XXXX : No reported payment history.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, ONE MAIN FINANCIAL used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. ONE MAIN FINANCIAL reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The company is reporting an account on my XXXX report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with XXXX. XXXX is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to XXXX. I will seek legal credit reporting assistance if needed.
|
| 12/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
To be fair, I am one payment behind on a loan, but I don't think ( especially since I continue paying and don't allow myself to get any further behind ) that warrants the level of phone calls I receive.
Calls up to 6 times per day Calls my place of work without permission When I asked that they limit their calls to 3 per week, the representative responded, " It is our policy to call you 6 times a day. '' Considering they call on Saturday and Sunday, that's 42 calls a week! Certainly qualifies as " use of phone to harrass or annoy. ''
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is a reponse to the letter that was written to me...
So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report?
So are your reporting accurate now?
How many refi have I had with you?
How many account have I had opened up with onemain?
It's way to late to start hiding the hand after you threw the rock...
Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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After reviewing my consumer credit report, I noticed that OneMain Financial Group, LLC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX and XXXX consumer report on XX/XX/2021 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.
I have not initiated any transaction with OneMain Financial Group, LLC Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with OneMain Financial Group, LLC for review or collection.
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| 05/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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on XX/XX/2018 I got misleading information from one main a personal loan company. when I was in the process of requesting the loan nothing was explained in regards to inquiry on my credit report. There was never an explanation as to why the loan was denied. they never sent me a letter to my home either. I attempted to reach out to management to speak to them in regards as to why I was denied and was unable to get a clear answer or resolution. I was told that this would be removed from my credit score and has not be removed since XXXX
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| 10/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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First loan was paid off in 2021. It was a five year contract which means it was during XXXX and it was an overpayment technically. The branch refuse to refund me for the overpayment amount after I got the second loan, requesting for a plan after losing my job, having XXXX, leading to the branch then pulling my credit after they verbally told me by I wouldnt get a loan and threatened to Repossess the vehicle. I also believed they shared my consumer information after I explained I was buying a house and was approved for the house.
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| 09/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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Hello.
I have a loan with One Main Financial. I fell into a financial hardship and can not pay the loan right now and told them that. I told them I was working with a debt relief company and they will get their money. For the past 2 weeks, I have been THREATENED through voicemail regarding paying the loan and them taking my LEASED vehicle. This has caused tremendous stress on me and my family. I understand that I would receive calls but I should NEVER BE THREATENED!!!!
This should not be happening to me and I need some help.
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| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX and XXXX.
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 11/01/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Ive return there calls an told them in the beginning we do not want to use the internet to pay our bills cause our bank account have been hit before with hackers not risking that again. Was working fine in the beginning with them. Just recently Ive been getting calls an ive talked with them an have asked why is my bill coming in late they said they have no control on that well its coming in 2 days before its due we will still call an hangs up but they want additional payment now thats not fair theyre making me late on payments
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| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have the Original creditor, One Main Financial, reporting a delinquency on my credit, after they sold the account to XXXX XXXX. The issue is that One Main is still reporting the account delinquent on my credit, and XXXX is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not.
This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.
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| 02/18/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC., location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They failed to disclose documents relevant to the credit transaction. A consumer credit transaction in which a finance charge is involved pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges, i was not expecting to pay the payments they have me paying.
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| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I open this account 2 1/5 years ago. ACCOUNT # XXXX They request that I set up automatic payments as there terms, I agreed and provided then a blank voided check. This account was never late but according to there report it shows account was late because automatic payments was never set up properly. I called one main was told it would be corrected. I was told to write a letter to there credit department which I did and again was told it was going to be correct. It has been two years an they still have not corrected the error
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| 11/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/XXXX. I got an alert telling me there was a new credit inquiry. I immediately logged into my XXXX XXXX account and saw one main financial was listed as a hard hit. I also saw I was approved for an XXXX loan as I investigated further i saw it was for a loan that was secured and required a car title. First of all I would never apply for a secured loan and especially for one requiring a car title how can I do that if I dont even own a car. I reached out to the company and requested it be removed from my credit report.
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| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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on XX/XX/2021, XX/XX/2021, XX/XX/2021, i sent multiple letters to this creditor disputing an unauthorized inquiry made on my account .the creditor responded by stating the inquiry was in fact accurate but do not provide method of verication ( Consumer contract with my signature ) I would now like to take legal action if this fraudulent item isnt removed from my credit report immediately for the non complianceto provide proof of investigation results after 30 days of no validation, this item must be removed by law .thank you
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| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I made a large payment, my XXXX payment to my new credit card. My balance was {$2000.00} ( over the limit by {$21.00} ) So I made a payment of {$1000.00} via the app using my checking account info saved on file. The payment was applied to my account, the balance on my credit card reflected the payment, funds were taken from my bank account and cleared. Yet, the company says there is a 14 day hold on the payment and I can't use my card. There is nothing in the XXXX XXXX XXXX about the 14 day hold or how payments are applied
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| 08/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid off my loan last Monday. WHERE THE XXXX IS MY TITLE??!! No one is helping me - Ive called way too many times to get this addressed. I need my car title to sell my car. IT IS RIDICULOUS THAT IT TAKES ALMOST A MONTH TO GET MY TITLE. I reported this company to XXXX and the FTC. I want my title overnighted ASAP or I will escalate to whatever government agencies I have to along with the press.
You are predators preying on people in times of need. SHAME ON YOU!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Spoke with ONEMAIN in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
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| 02/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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I have a secured title loan with One Main Financial. XXXX XXXX XXXX XXXX XXXX I was late on my payment a few days. XXXX, a worker for One Main Fin. called me about the payment. I told her my situation. She started yelling and told me to bring the car to them. I had the car towed to them. She acknowledged that she did have the car and the keys. Now One Main continue to call me and won't acknowledge taking my car. I also had insurance as well as unemployment insurance on the loan. They refused to allow me to file a claim
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On Approximately XX/XX/22 i sent a letter to this company ( One Main ) to remove the inaccurate information off of my credit report. I have not received any response or acknowledgement from them. I sent out an follow up letter by certified mail on XX/XX/XXXX and this company has yet to respond and/or remove the inaccurate information off of my credit file. I have attached the letter I have sent to them with my signed signature. Please help assist me with an investigation and the removal of this inaccurate information.
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| 12/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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In XXXX of 2019 I took out a personal debt consolidation loan with ONE MAIN FINANCIAL. This finance company paid off prior debts that I had as the agreement that I signed. Debt was not paid and was forced to go to collections. I have tried several times over the years and most recently months to get this remedy to get that creditor paid. The amount is about XXXX some dollars but the company has yet to re-administer a check even though I have provided the name of the collections company as well as mailing information.
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| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX
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| 08/23/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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One Main Financial has called me repeatedly multiple times a day.
from XX/XX/XXXX - XX/XX/XXXX they called me XXXX times a day, multiple times a day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these are just the dates that I counted. this goes on almost every day. XXXX sending me emails as well.
This is harassing me and I want it to STOP! XXXX phone call a day is alittle ridiculous but
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| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
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| 06/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I received a loan from one main financial XX/XX/XXXX for XXXX. I have been paying on this loan for a year and were even sending extra payments, and have not seen any significant decrease in the amount of the balance.I spoke with a representative on XX/XX/XXXX she stayed my interest rate was 27 %. I currently have other loan with a higher interest rate and is able to see a difference in the balance. I would like to make sure the payments and extra money in which I am making are being distributed properly to my loan.
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| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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On or around the second week of XXXX I went to agency in question with the total sum amount, intent on finalizing transaction. I however was convinced on continued installments, not wanting to make a fuss of the matter for I was recently widowed with a slew of health concerns coupled with my senior citizen status. I just wanted the best outcome, I felt overwhelmed so I acquiesced to their coercion. In hindsight I realize my actions were quite erroneous because now present day they are employing predatory practices
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| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I want an investigation with One Main as their seems to be an hard inquiry on me credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022.
I already had an account which was included into the bankruptcy so I never tried to reestablish credit with them after or during my filing process.
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| 09/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Struggling to pay your loan
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Web |
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The loan was presented on XXXX XXXX. The loan company is OneMain Financial. All activity was online. The loan was taken out XX/XX/21. The interest is well over 20 % and the payment is higher than my mortgage principal. The payment is approximately {$340.00} monthly plus a {$5.00} ( approximated late charge if the payment is late ). They are calling me 3-5 times a day which is causing my XXXX to stay elevated and XXXX rate elevated. There should be a in person interview and a limit on interest rates. Thank you.
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| 07/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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XX/XX/XXXX payment-On time XX/XX/XXXX payment-On time XX/XX/XXXX payment- On time XXXX XXXX showing 30 day late XX/XX/XXXX payment-On time XXXX XXXX showing 60 day late XXXX XXXX-showing 90 day late XX/XX/XXXX XX/XX/XXXX {$700.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XXXX XXXX showing 30 day late XX/XX/XXXX XXXX {$280.00} pd from checkinXX/XX/XXXXshowing 30 day late XXXX XXXX showing 60 days late XXXX XXXX-showing 90 day late XXXX XXXX showing 120 day late
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| 04/17/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
Servicemember |
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XXXX XXXX of ONE MAIN FINANCIAL reached out to my employer XXXX XXXX XXXX XXXX to discuss a late payment to which I missed via telephone on Friday XX/XX/2022. My employer DOEN NOT allow personal calls during our work shift yet she is persistent to do so anyways. I would like these unwanted calls to my employer to cease immediately. I personally sent a CEASE AND DESIST ORDER to One Main Financial address and phone number is listed below.
ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX or XXXX
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| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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No compliance to my needs for their mistakes to my report and no remorse for my situation and financial hardship compensation agreement offer for letting One main financial company be on my report after it was deleted and the embarrassment they caused with my name and respect in the credit world.Even though they deleted the account that supposed to have been deleted and never ever appear nowhere near my file they allowed them access to my files .I don't deserve to be ignored even if a lawsuit has to be filed
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| 05/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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I submitted a complaint about their practices ( Complaint Number XXXX ) of taking 3 payments at once. I took back 2 and they kept 1.
They responded by blocking payment from my account and saying " the payment failed '' ... even though my bank shows it did not.
It seems to be a purely punitive move in response to 1st complaint I filed. Now they say I have not paid and I am late which will affect my credit rating. I will turn this over to my attorney after I file this.
I have no patience for deceptive banks
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| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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OneMain 's Reporting details of my account status are incorrect where it claims that the account is currently XXXX past due. This is incorrect and needs to be modified. This should have been updated to reflect a current status within the last XXXX weeks. Further infractions may result in the account being furnished to an attorney to enforce appropriation of account data. Misreporting to the Credit Bureaus should carry fines for the financial agency and I believe this is also inappropriate use of my Report.
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| 07/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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One Main Financial. I had been current with direct debit for all of my payments until my company stopped paying me. The last paycheck I received was XX/XX/2020. I have tried to get payment to them from my savings. I am now 2 months late and the still want at least interest payment which is 70 percent of XXXX USD. I don't have it it and I am trying to get money from any source I can but as the Pandemic runs there is little I can do. They call me 15 times a day. They call from different numbers all the times.
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| 06/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I haD recently applied for a personal with XXXX XXXX AND A5 FIRST I MET THE criteria was about to finalize the loan then they sent me an email stating I dont fit the criteria anymore which I know I do. Im gainfully employed my credit score matches. The only reason I suspect it was denied was because of my nationality. When my other friends who are of a different race went in recently and gotten a loan through them never questioned their credit score they are behind in their mortgage credit payments etc ...
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| 07/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Account Name : ONEMAIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
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| 08/29/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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i got my credit report from the three credit bureau and found there is three account that don't belong to me and a result of identity theft and fraud, two of these account is charge off account and one collection. these account are : 1- professional debt date opened XXXX amount : XXXX $ filing dispute for this account.
2- ONEMAIN date opened : XX/XX/2018 amount : XXXX $ filing dispute for this account.
XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/2018 amount : XXXX $ filling dispute for this account
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I found 2 hard inquires on my report and one main financial refuses to take them off! I called and spoke to XXXX from One Main Financial and he couldnt find any full applications. Another person told me different information! I think they cant get their stories straight!! NO WHERE did it say it would be a hard inquiry and I will upload a picture that shows that!
I also contacted XXXX today on XX/XX/XXXX. They kept hanging up on me and transferring me to different departments, and no one would help me!
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| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers.
The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
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| 09/02/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a loan with OneMain Financial account number XXXX I have had poor communication with local office.
I call they transfer my information to a central location, however I can not get my request resolved.
The breach of contract is that they have not reported on a monthly bases any of my payments to this binding contract Causing material & causing hardship financial damage over the last 9 months to my credit XXXX XXXX & XXXX. In the last nine months they repeatedly month after failed to report.
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| 09/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Struggling to pay your loan
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Web |
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I have been payments to One Main Financial for over 5 years and the principal interest is still the same. When I am late on my payment I feel like I am being forced to refinance. They would offer me more money and the interest is higher. They keep offering refinancing or demand me to come up with payments otherwise they will repossess my vehicle. At the time I had no choice but to refinance or they will take my vehicle. Im so sad as I feel that I will paying a {$17000.00} loan for the rest of my life.
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| 05/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I have written to OneMain Financial on more than one occasion explaining that I was not interested in their services and for them to remove my name and address from their system. I have a suppression on my credit report that prohibits such solicitations, but they continue to mail unsolicited offers and quite frankly I'm sick of it. I have never done business with them, nor do I want to. They send mail to my po box and have now started sending mail to my home address, which I have not provided to them.
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| 11/03/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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back in XXXX XXXX I told one main thing a financial not to contact me. I told them to not contact me when I called them back and I was told I was on there do not call list. they called my house at XXXX this afternoon. I called back at At XXXX and told them I was on the do not call us not to call me ever again. To listen to the recording when I called the last time not to call my number. They are in violation of my rights I said do not contact me back XXXX XXXX and XXXX and they continue to contact me
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| 02/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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I am receiving harassing phones constantly even after paying this company, I was offered a deferment and made the payment in full and since then I have been receiving non stop phone calls and messages for payment durning my work hours, I have expressed this multiple times and it is still going on till this day, also non of the people who work for this company seem to communicate or be on the same page. I will be sending over proof of the payment I made along with all phone call and message records.
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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One Main loan company is giving me a run around and I have paid off but they keep adding fees. I had loss of income during Covid in 2020 and they have done nothing but add on more and more fees and bashed my credit. Yes there were months I couldn't pay the full amount of the monthly payments but there are many many months I paid extra or double payments. I have kept a spreadsheet and all my monthly or weekly payments for 3 years. i don't owe them anything else but they will not send me my title.
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| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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On XX/XX/2023 I received a notification from my credit monitoring apps that there had been 2 hard inquiries made on my account. The first account was from OneMain Financial and the other was from XXXX XXXX XXXX. I have not applied with any creditors or loans in over 6 months. I did not authorize any company to make any inquiries to my report. I called One Main Financial to review the issue, however the employee answered the phone and advised me that they were closed and could not help me today.
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| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
One Main Finacial is not reporting my accounts correctly, I have spoken with them about the matter and it still has not been corrected!!!, This issue is that I have 2 accounts with them, they are reporting both accounts to XXXX, but reporting only 1 account to each of the other credit bureaus XXXX and XXXX. Since this matter I have paid one of the accounts out completely. And one of the accounts has not reported since XXXX of this year causing my credit score to not be as high as it should be.
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Today XX/XX/XXXX my phone just got a text that my credit was just checked and I never authorized a check for anything. I think someone is using my information without my consent and it may be my ex I'm not sure.I have text alerts when my information has been used and this isn't the first time this has happened. Text said it was XXXX FINANCIAL and it went to my email address as well. It has to be someone close to me that did this. My last name been changed for over a year I got married in XXXX.
|
| 08/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
I was approved for a secure loan. I asked the agent to explain secure loan she said it meant collateral of a car and I asked if that meant the loan was a refinance and she stated no. After beginning approved the loan was actual a car finance loan. I would had never agreed to have a hard inquiry on my credit had I known if was for a car finance. I was manipulated into running my credit for a loan I was unaware of. I made it perfectly clear that I did not want a car finance loan. Date. XXXX XXXX
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| 11/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported accounts without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!
|
| 04/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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I got a loan through one main financial around XXXX or XXXX. I was unable to pay it back in full and it did become deliquent, but it now shows in my credit report that I have multiple accounts through them with different amounts. It makes it appear that I have 6 or 7 different loans with them. Also it says my last payment was in XXXX and I'm sure it was in XXXX or XXXX. I am now paying this loan off and have an agreement that it will be paid off through a debt collector by XXXX of this year!
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I recently obtained a copy of my credit report and found items that were incorrect such as addresses : only address should be XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. All 3 credit scores on XXXX, XXXX, And XXXX and all different and not updated. I also have accounts that are also false. I am requesting all these items be removed, updated or Other suggested change to correct the information. Please investigate this matter and ( delete or correct ) all false items and problems. Thankyou so much
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX have been trying to remove these inquiries from my credit report for the past three. My final written request to the credit bureaus was received on XXXX XXXX. They have yet to respond to delete the following inquiries. Please remove immediately.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
|
| 12/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
Servicemember |
|
XX/XX/21 Previously applied and approved for vehicle title loan. Signed all company documents and was sent away with out money for loan.
Subsequently, told by One Main Financial that I needed an updated deed to reflect XXXX XXXX as lien holder. I did so and have attached the correct lien.
Later told by XXXX and XXXX that they wouldn't deal with me as I filed a complaint with the CFCB.. This feels discriminatory and retaliatory in nature. I qualified and able but they now refuse service.
|
| 08/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Federal Law Violated I was targeted by OneMain due to being low income, XXXX and XXXX XXXX People in certain zip codes. Were targeted by this company by their own admission and no one is willing to bring these people to justice There are federal laws designed to protect borrowers, like the Equal Credit Opportunity Act ( ECOA ). The ECOA makes it illegal for lenders to impose higher interest rates or fees based on a persons race, color, religion, sex, age, marital status or national origin.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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For years I grew up by myself from XXXX XXXX XXXX No parents and I have XXXX XXXX and so many report and inquiries and my credentials were stolen by family and cell phone so I was taking advantage of my stupidity and inability to learn Inever had mortgage or applied for federal aid XXXX XXXX XXXX XXXX MD is my daughter but I am always being contacted about debt relief please lmk if I do have loans mortgage or car lease because I do not my address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX
|
| 11/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
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My loan is past due, as a result I receive daily collections calls via auto dialer. I have provided cell consent, however I have not provided direction or authorization for XXXX to leave voicemails or voice messages on my number ( XXXX ). Per NC state law, creditors are restricted from leaving voice messages to debtors with an address that resides in North Carolina. Its important that my rights as a consumer remain intact as it relates to Federal and State protections, laws and statutes.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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in accordance with the fair credit Reporting act XXXX Account OneMain Financial, XXXXXXXX XXXX XXXXXXXX, XXXX, IN XXXX, had violated my rights.
15 USC 1681 Section 602 states, I have the right to privacy.
15 USC 1681 section 602 ( A ) Section ( 2 ), It is also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 11/03/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
1. Release or Satisfaction of Mortgage executed by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, husband and wife in favor of American General Financial Services , Inc., given to secure the original principal sum of {$20000.00}, dated XX/XX/2007 and recorded on XX/XX/2007 in Official Records ( book ) XXXX ( page ) XXXX ( instrument ) MG 2007 XXXX XXXX XXXX XXXX XXXX New Jersey.
NOTE : This Mortgage is an Equity Line Mortgage. A full satisfaction of same, together XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX the manager at One Main Financial continues to contact me at my place of employment. I have told him repeated times to not call me at work. One of the times he contacted me was on XX/XX/XXXX of XXXX at XXXX XXXX. another is XX/XX/XXXX of XXXX at XXXX XXXX. and several others before that. This is affecting me way more than emotionally and putting undue stress on me and my employer. I do not want to lose my job due to this gentleman continuing to contact me at my place of employment
|
| 05/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
OneMain never called about late payments before reporting to the Credit Bureaus that payments were late. Per fair credit practices, lenders need to contact borrowers before making reports. OneMain never tried to contact me by phone, mail or email before reporting to the credit Bureaus regarding late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I was unaware that my account would be late as I had automatic payments set up and I was unaware that my payments did not go through.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.
|
| 02/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My second mortgage contract with XXXXXXXX XXXX dated XXXX states my mortgage interest would decrease .XXXX XXXX each year for XXXX years. As long as no payments were XXXX days past due. My loan was sold to OneMain financial. They refuse to review or audit my case. They state my payments were past due more than XXXX days. I offered to bring in all my receipts to show they were paid on time. They still refuse to discuss my case or make any adjustments. I've called them numerous times.
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights.
Code 1681 ( 2 ) a, i.has been violated.
15 USC 1681 section 602 states i have the right to privacy.
15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| 05/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
This company loaned me money through a title loan that was originally XXXX I ended up asking for another loan of like XXXX or so. For some reason they show I have refinanced this loan like 3 times and I have never asked for them to refinance it. I haven't seen any additional money besides the original and 2nd transaction. After 3 years they are only showing a paid amount of like XXXX and I pay XXXX there is seriously something not right here. The company is trying to get over on me.
|
| 10/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for a loan at one main financial got approved for a loan. When I went in to sign the agent never disclosed the extra added fees of add ons thst were optional they were all ready included with my loan. After going home and taking a closer look I saw they were optional so I called a couple days later asked withdraw from extras and get refund and new paperwork of loan without extras and was told one was not needed and there was no refund thst mo ey is disbursed back to bank.
|
| 10/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have sent a cease-and-desist notice on XXXX an affidavit of truth on XXXX notarized I have allowed 45 days to reply have not received any document I have requested they are unable to provided sufficient evidence that the alleged debt is owed and where the loan originated from, they have ignored my affidavit and have not responded to affidavit or invoice due XXXX as of XX/XX/17 I'm sending an notice of default and opportunity to cure if no response I have no chose but to file suit
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I paid {$2800.00} to settle One Main Financial account, i have disputed this account 2 times.
The first time they didnt not change or update credit report.
the 2nd time they deducted the total amount owed by my settlement amount and report that i still owe $ XXXX and do not show that they account was been settled with {$0.00} owed.
I have a copy of settlement letter showing that the account is settled and balance owed is {$0.00} but they are refusing to update credit reporting.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Inquiries not authorized : XXXX XXXX XXXX, XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX- not my account showing charged off XXXX of XXXX but still shows missed payments till XXXX of XXXX as if account was mine or even open. This account is not mine I have no knowledge of this account. It is also being reported differently to each credit union different last payment dates charge off dates and other mismatching information. This account is not mine and needs to be removed please help.
|
| 01/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I am the original creditor, consumer and natural person. As a consumer, I hold all the power in this consumer credit transaction. One Main Financial failed to provide with an Adverse Action letter pursuant to 15 USC 1681m. Instead it provided me with an email stating it denied my application for credit. Pursuant to 15 USC 1602, One Main Financial use of my credit was unauthorized as I received no benefit. The language and referenced here are best interpreted by your legal counsel.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
ONEMAIN FINANCIAL, Inquiry : XXXX XXXX, 2021 add a hard inquiry on my credit reports.
But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 06/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
My husband and I applied for a loan to repair our roof beginning XX/XX/2020. I had completed all documents online with OneMain Financial. They ran our credit twice and then provided us with a letter/email stating that if we wanted to know the reasons why we had we to request them, which as I understand it, is a violation of the Equal Credit Opportunity Act which requires that lending institutions tell you why you were denied. My husband received his letter today, dated XX/XX/2020.
|
| 12/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have recorded calls with this company promising to remove the inquiry. One Main Financial is brandishing a fraudulent inquiry on my credit report. I have tried contacting them before about this issue to no avail. Since recognizing the inquiry I have place a freeze/fraud alert on my consumer credit reports. But the company One Main Financial still hasn't rectify the issue. If issue isn't rectified, I will be proceeding with legal actions. Because I didn't authorize that inquiry.
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this ONEMAIN account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately I have never been late on this account is paid off
|
| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.
|
| 09/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
When pre-approved for the loan on XX/XX/2021 for {$9000.00} to use to pay off credit card debt, it was not mentioned in the application process or pre-approval notice that my current loan with them ( XXXX ) would be paid off first and the remaining amount be distributed to me. Because of this I have hard credit pulls for a loan that I am no longer willing to take. If I would have known this prior to submitting the application, I would not have completed the application process.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
I have been disputing all late payments with this company for years even hired a credit repair company was charged hundreds of dollars, they even disputed the late payments and they never enemy responded to the disputes and they have damaged my credit tremendously, they even whet into my wifes account and took an unauthorized payment out of her account only because she had used her account previously to make a payment for me, this caused her account to be seriously overdrawned
|
| 11/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
Applied for a loan with One Main for XXXX. Vehicle needed to be used for XXXX as collateral. The vehicle is sitting at a dealer since XXXX because it is not drivable. Explained to One Main and we paid XXXX to switch collateral to another vehicle and the other title would be sent to us to give to the dealer to sell. We have not received our title as of today XXXX. We called the XXXX and was told a lien is on both vehicles. I have contacted One Main with no success. Please help.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, ONEMAIN add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 03/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I owe this loan company named OneMain Financial XXXX dollars but here recently every time I make payment 99 % is going to interest and it's supposed to be a 35 % interest loan. The payment is XXXX a month. They say it's because My payments haven't been spaced exactly less than 30 days apart so if I dont pay in exactly 30 days or less every month they send almost all of the paymentto interest. I can understand a little bit of a hike in interest but not going from 35 % to 99 %
|
| 11/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2023 a Hard Inquiry was run on my credit through XXXX. The personal loan company name is Onemain Financial Services, and they can be reached at XXXX.
I called, and the representative determined that there may be fraud on my account. The representative called the specific branch and let the lenders know that the inquiry that they requested was fraudulent.
The representative from Onemain told me to contact the credit bureau to dispute the inquiry ran on my credit.
|
| 11/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer, 15 USC 1602 ( h ), and a creditor, 15 USC 1602 ( f ), I issued my credit card online via OneMain Financial Group, LLC, on XXXX, XXXXXXXX XXXX, a consumer credit transaction was completed and OneMain Financial Group, LLC denied me credit. The denial discriminates against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
|
| 04/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Our household has been reduced to one income causing me to have to pay what I can when I can. So with one main financial I explained to them that I can make the payments just not all at once but within the due month, Weekly One Main Financial calls me with threats and demands that I pay on time or get hit with {$3.00} plus daily late fees. They are rude, demanding, threatening and disrespectful. They only want their money on the date due or they'll harass you until it is.
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me.
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Onemain Inquiry from XX/XX/XXXX XXXX
|
| 11/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Requested incorrect information updated and corrected or removed.
Instead they began reporting mistakes and inaccurate history, high balance, and account status. The remarks are not the same. I have the right to accurately reported in all bureaus.
I am asking for what is granted by law.
Consumer protection from wrong information on credit.
History, balance, high limits, account status are all different across each XXXX XXXX and XXXX. To resolve a removal is required.
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
One Main Financial is in violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they have been notified of their violation and they have not provided me a copy of my written authorization that I gave them or permissible purpose.
|
| 08/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I filed XXXX XXXX XXXX and listed One Main Financial as creditor and despite my filing on XX/XX/2023 case XXXX, CREDITOR ONE MAIN FINANCIAL IS STILL EMAILING, CALLING AND HARASSING ME TO PAY AND REAFFIRM THE LOAN. IVE PAID OVER 75 % of the principal {$5000.00} loan. I am asking for protection from this creditor. I will also advise trustee that This creditor is still contacting me. I politely let creditor XXXX XXXX XXXX XXXX and XXXX to advise client of my case number.
|
| 02/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
A debt validation letter had been sent via certified mail, alongside a cease and desist order. I was never given a copy of my right to resend letter either, granting me the right or not. I would like to enforce my right to resend this contract, and for my title to my car be returned to me. I would also like to file for damages because my credit report is reporting inaccurate/invalided information as well. Please help! My consumer rights are being ignored, and violated.
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| 04/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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OneMain Financial is attempting to collect on an alleged debt in which they may not be the holder in due course. The debt has not been validated nor proof provided that I am obligated to pay OneMain this alleged debt. I have mailed a notarized conditional acceptance letter to the Chairman/CEO, CFO and a copy to the Attorney General of Indiana via certified mail requesting proof that OneMain is the holder in due course of this alleged debt and I am the obligated party.
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| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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One Main is reporting late notations for XX/XX/21, XX/XX/21, XX/XX/21 and I ask that they please remove them. Due to the unforseen events with Covid cases spiking up again, my job hasn't been offering employees their full hours and it has really impacted me. I struggled for a little to get my budget where it needs to be and had to go a few months to just pay necessities. I ask that One Main please make a goodwill exception and remove the late notations this XXXX time.
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| 08/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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One main Financial has denied me a loan base on my XXXX situation. A previous loan was approved wi the same XXXX income and documentation. A new application denial base on underwriting stated that they are unable to confirm the income. Same income was use for the account that is open. I try to summit all the documents that stated the dates of my continue XXXX status, bank statement that proves the deposit of the income and doctors notes. This is a XXXX discrimination
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| 12/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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15 U.S codes 1666 correction of billing errrors.
6 months after contract onemain financial debts auto withdraw for more that the contract amount states and without my consint, according to consumer federal law stated above this company is in dirrect violation of my rights.
futhermore 15 U.S code 1666 states ( e ) Effect of noncompliance with requirement by creditor who fail to comply with thr requirements of this section forfeits any right too collect from obligor.
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| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX, GA XXXX I, XXXX XXXX, have written this letter to dispute the inquiry reported on my credit file dated XXXX XXXX XXXX by ONEMAIN Financial. I have not authorized a hard pull by this company. that is falsely listed on my credit report.
I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS, I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.
Sincerely, XXXX XXXX
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| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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When I applied for the loan I didnt know insurances on the loan were cancellable, nor was it explained that the insurance on the loans would bear interest. It was not explained to me that using my car as collateral ( their appraisal ) would not be applied to the non-payment possession, only what they can sell the car for could/can be applied to the loan and I will still be responsible for the remainder. I would not have used my car as collateral if I had known this.
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| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because XXXX cant even take out no credit card due to having bad credit because of them. XXXX XXXX is one of them I have never gotten no credit card with them and they claim I owe them when I dont.
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Onemain Finance, I asked them to remove 2 late payments from my credit reports and they did not. one late payment was in XXXX or XX/XX/XXXX and second one was in XX/XX/XXXX. I received one late payment because my car was total and onemain could not modified was owed to them until they got the insurance pay off. Onemain told me to do nothing until the claim come through, I did nothing and they put a late report on my credit report. the first one was more of the same.
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I have always been current and on time with my payments. I was layed off due to covid 19 and my childrens schools were shut down. I had one late payment in XX/XX/2021. I tried SEVERAL times to have a deferment for that one payment and asked for it to be removed since I otherwise have an exceptional payment history. I have a right to have that taken care of due to the section 4021 of the cares act and the pandemic. I want that late payment removed from all 3 bureaus.
|
| 03/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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On or about XX/XX/2022, I offered to payoff my loan at One Main Financial for {$9500.00} they accepted a couple of weeks later and attempted to get me to pay without the agreement in writing. I still do not have it in writing on XX/XX/2022. This is why I want to terminate any business with One Main and why this is my second complaint against them. They are fraudulent and the press and other organizations will be put on notice to stay away from this type of company.
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
ONEMAIN - Account # XXXX The above account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all the XXXX CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.
|
| 01/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I have been in a constant dispute with OneMain over an account I discovered reporting on my account. The account has been charged off and is even reporting as a charge off but OneMain continues to report a past due balance even tho they have clearly stated that this account has been written off. They have stated time and time again that they can only report information accurately and my scores have been severely impacted by this lie and inaccurate reporting.
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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on XX/XX/2021 I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application. please remove this inquiry as I have tried multiple times
|
| 10/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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On XXXX XXXX I closed on a consolidation loan to pay off 4 creditors. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. Two of those payments, ( XXXX XXXX XXXX, and XXXX XXXX XXXX have not been received and paid off those loans as promised in the contract we entered.
One Main Financial refuses to move my payment due date back, or, most importantly, reissue these two missing payments.
They have not provided me with a copy of the contract.
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| 09/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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One Main Financial deceptively up sold me on products for a car refinance loan that they claimed I could cancel at anytime. When requesting my debt validation they only sent me a copy of the contract that did not list any of the products that they added on and only refunded part of one product. They then told my that the refund would make no difference to the loan. They refuse to refund upwards of {$15000.00} because of their deceptive and unfair practices.
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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Beginning XX/XX/2023, I have received more than the permitted 7 calls per week in an attempt to discuss debt collection. I receive at least one, if not two, calls per day. They call from multiple different numbers with local area codes and conceal their identity, pretending to be someone I may know until I ask who is calling. I have informed them not to call me during my business hours of XXXX to XXXX, yet they repeatedly call during those hours regardless.
|
| 10/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I opened an account with One Main Financial several years ago, One main merged with other companies transferred their account several times. One Main, opened serveral accounts in my name but failed to transfer auto draft after serveral disrupts One main close all account except one but refuse to remove all the late and deliquent reports on my credit. My current open account number # XXXX, I have contact One Main several times and no one was able to assist.
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| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I obtained the loan in 2015 when I had an operation preventing me from working. I was making my payments but the amount was going all to interest and not paying off the principal balance, the loan was sold to other vendors and interest increased. I was then making payments to the XXXX XXXX XXXX XXXXXXXX who obtained the account from One Main Financial. When I defaulted the payments they sued me and increased the balance, now my wages are being garnished.
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| 07/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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|
Web |
|
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1main Financial of XXXX XXXX Illinois submitted multiple, unauthorized drafts to my checking account with XXXX XXXX XXXX located in XXXX XXXX, Il causing the bank to CLOSE my checking account and Savings account.
They drafted my account EVEN after I submitted a payment.
Now I owe the credit union over {$300.00} in overdraft fees and worse, 1main has levied non-sufficient fund fines on top of my loan with them. Isn't this illegal??!? What can be done?
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| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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This is my formal complaint to ONEMAIN for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
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| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor, " OneMain Financial '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
|
| 03/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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On the day of Saturday XXXX of XX/XX/2022, I was checking my rate with XXXX when I received a notification from XXXX that one main financial made a hard pull inquiry on my credit file. Ive tried many time to get in touch with them to have it fixed. They explicitly become rude and telling me to write on the letter and send it to XXXX before they will see if they will do anything about it. Im not interested by their product. I never allowed a hard inquiry
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| 04/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
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This correspondence is in regard to the denied application ( s ) for personal loan with One Main Financial. This denial/adverse action is a direct violation of my rights as a consumer.
This is a direct violation of Section 16 of the The Federal Reserve Act resulting in Civil Money Penalty as stated in Section 29.
This constitutes for An Act of Redresse of Inconveniences in accordance with the Cestui Que Vie Act 1666 ; 1666 CHAPTER 11 18 and 19 Cha 2.
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| 09/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
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I received an email and prequalified offer from One Main Financial XXXX, Florida branch which stated I qualified for a {$3400.00} unsecured loan and a {$7600.00} secured loan, then after they collected all my documents, pay stubs, bank statements and drivers license they denied the loan. I believe it is based on my name and XXXX. This branch can be contacted at ( XXXX ) XXXX. They asked me to get a co signer which I find discriminatory and ridiculous.
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, ONEMAIN XXXX Balance Owed : {$5600.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In alcordance with the XXXX credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Add comment...
@
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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XXXX # XXXX XXXX XXXX XXXX Onemain XXXX XXXX Onemain XXXX XXXX I have reached out each company Stating that i have no knowledge of these inquires on my credit. each company stated that they have have no knowledge of these accounts on their end and that i should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit.
Sincerely, XXXX XXXX XXXX
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, One Main Financial, Account # XXXX has violated my rights under15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
i have called this company several times ( XXXX ) about the loan that was open when i locked i was locked up in jail from XX/XX/XXXX till XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from
|
| 08/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
The One Main Financial personal Loan for {$4200.00} currently listing and showing on my XXXX XXXX, XXXX and XXXX credit report is a fraudulent personal loan account, not my personal loan account and is the result of identity theft. I never applied for a personal loan with One Main Financial. The police report case number is : XXXX for the fraudulent One Main Financial Personal Loan Account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1986, XXXX : XXXX
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.
|
| 05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act One Main Financial Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act OneMain financial Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX account ( finance ) # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am the natural person, creditor and consumer according to 15 USC 1692a ( 3 ) - defines consumer Pursuant : 15 usc 1681 ( 4 ) 15 usc 1681b 15 usc 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related.
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
They claim I was sent the loan offer online which is a lie, I wouldnt apply for a loan if I cant pay it back. My information has been compromised over 4 years. It doesnt matter if they have my correct address. I would like to see the paperwork where I signed this loan or applied. With my signature. They did no investigation.
I DO NOT WANT A EMAIL FROM THEM. I WANT THEM TO MAIL A COPY OF THESE 2 CREDIT CHECKS AND I WANT THEM TO STOP EMAILING ME
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
|
| 03/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
Submitted an unsecured loan application communicating that I did not own a vehicle and the only offers they actually gave me were ones for secured vehicle collateral loans.
The entire premise of the loan application was under an unsecured loan basis, I submitted the information that I did not have a car for collateral, and despite making it clear I did not have collateral for this loan only received dozens of offers for collateralized loans.
|
| 01/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
ONE MAIN You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022, One Main Financial and ONEMAIN, added an inquiry to my credit report. After further investigation and research, the debtor did not call MY PHONE NUMBER AND VERIFY IF I WAS THE PERSON INQUIRING FOR A LOAN. I SPECIFICALLY HAVE A FRAUD ALERT ON MY REPORT FOR A REASON. According to the FCRA, ONE MAIN FINANCIAL has violated my rights as a consumer and I am requesting legal action to remove this inquiry from ALL THREE CREDIT BUREAUS.
|
| 09/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I received said loan in " XXXX '' I agreed on a set payment of " {$170.00} '' per month, I've been paying this amount for " 15-months '' consecutively, the loan was " {$4000.00} '' my remaining balance as of " XX/XX/2020 '' is " {$3400.00} '' my issue involves the application of " Interest and Principal '', is this " legal/fare/or right ''.
The company is " ONE MAIN FINANCIAL '' in " XXXX, VA.
I thank you for your Time, Effort And Help.
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I had three accounts put onto consolidation, and I have paid off two accounts and my credit score has not increased at all.
I contacted XXXX and XXXX and they told me they can take off that red macs on my credit report, but If I already paid off those credit why is my credit report still the same.
I really feel like a declare on bankruptcy but I didn't and my credit report is going to be affected for years when I did paid off my accounts.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the fair Credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States that I have the right to privacy.
15 USC 1681 Section 604 A section 2 : It also states that a consumer Reporting agent can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end Consumer credit plan As late for purpose.
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted OneMain Financial Corporate office on XXXX XX/XX/XXXX regarding an incorrect reporting of a payment on my account ( XXXX days late XX/XX/XXXX ). I sent a letter at the request of the Customer Service Representative on XXXX XX/XX/XXXX as well. I received a letter back stating that they have determined that my account history is being reported correctly. I have never been late and I need more information or I can file in court.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
|
| 11/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated by rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 10/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied and received a loan to payoff my credit cards. As of XX/XX/XXXX OneMain Financial began charging me interest on the loan they originated and stated they would pay my credit cards directly. Its been 3 weeks and my credit card companies have not received any payoff. OneMain Financial is charging me interest on a loan that they have not funded. I have made over 25 phone calls to this company and have not received any resolution.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, ONE MAIN FINANCIAL # XXXX, has violated my right.
1
5 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section @ it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX advised unknown and unconsent credit inquiry from OneMain Financial through 3rd party, XXXX XXXX, as of XX/XX/2021. As of XX/XX/2021, reached out OneMain Financial to take down {$4000.00} online load application from unknow identify theft through XXXX XXXX, and filed report as fraudulent transaction.
XXXX has set up fraud alert to me. OneMain Financial is supposed to send petition letter to XXXX for this unconsent credit inquiry.
|
| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a complaint. The company responded and said they have the loan application showing it was me that took out a loan. I have never lived in XXXX Alabama and I have filed multiple identity theft reports to get this account removed from my credit report. The company also didn't send any copies of ID or social security card. This account is not mine. Delete it from my report. I have also filed a police report against this company
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I recently legally settled my debt with One Main Financial and started making payments per our agreement- they sold this debt to XXXX XXXX XXXX of XXXX, Va. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXX XXXX XXXX XXXX XXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.
15 USC 1681 Section 602 states that i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
|
| 02/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have statements for the past year that show that I have made {$6300.00} in payments and only {$2200.00} has gone to my principal. When I ask why they take more in interest, they say its an interest bearing loan. I think this is ridiculous! I tried refinancing to get a lower interest rate ( current rate is supposed to be 36 % ) and they say that I dont qualify! Please look into this company One Main Financial in XXXX XXXX New Mexico!
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN XXXX Balance {$14000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 02/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XX/XX/2019 got a auto loan from One Main Financial. I believe we got a fradulant loan as we did not qualify and have been mislead into to charges and fees making it impossible to pay loan. After two years the balance is higher than original loan amount and we keep getting loan offer modifications that are not legal. The principal that gets paid is only {$6.00} dollars and intreset is {$200.00} monthly. I believe we have been scammed.
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
In accordance with the fair of credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 usc 1681 section 602 states I have the right to privacy.
15 usc 1681 section 604 a section 2 its also states a consumer reporting agency can not furnish a account without my written instructions.
15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
4 HARD INQUIRIES Have taken place on my credit, someone obviously has my SSN and it looks as though they are trying to secure a loan and obtain an apartment! UGH! I took a screenshot of the inquiries, then set up fraud alerts with all 3 credit bureaus. PLEASE TAKE THESE HITS OFF MY credit & adjust my credit score accordingly. I am trying DESPERATELY to raise my credit and I'm a homeowner I'm not trying to get a loan or an apartment.
|
| 09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
One Main Financial for the second time has promised to not run my credit report for a loan that I applied for. It says clearly on the your credit report will not be affected. Now it shows a hard inquiry on my report and I would like it taken off immediately. This is the second time this has happened and I would like credit for both times. This is complete fraud and I have a snapshot to prove what I've stated. Please contact me asap.
|
| 09/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing this complaint because ONEMAIN ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for ARk purpose.
|
| 06/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I spoke to OneMain financial on Friday when they called my desk line at work. I advised them that my work situation had changed and could no longer have calls at work. I made arrangements to contact them the following week.
The loan was taken under predatory conditions. I went to them originally to get an extension, as my husband has recently become XXXX. Instead, they talked me into a {$10000.00} loan that I can no longer afford
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account, has violated my rights.
1
5 USC 1681 Section 602 Staes I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section640 A Section 2 : it also states a consumer reporting agency account furnishes an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
|
| 12/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
The loan was quoted as having an APR of 30 %, when actually implemented, the effective annual percentage rate is closer to 40 % in violation of the 36 % interest cap on XXXX XXXX military personnel. I raised this issue with company, as the effective interest exceeding the statutory limits was NOT disclosed. I have been underwater on this loan since, largely due to the misrepresentation ( fraud ) of their disclaimers and materials.
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them three times and got hung up on I would like this off my cred8t and taken care of.. XXXX is a hard it I never did as well as Main one
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I hereby demand that you promptly remove any claims that have been reported unfairly and unlawfully against me. This request serves as my official notice to you that I dispute the reporting of claims included in the notice, and I challenge you and any other data repositories involved to provide indisputable evidence that each claim was made in accordance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose.
|
| 08/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I try to create an online account to be able to pay, look at options, budget, and ultimately keep track of it wont allow me or say there are no loans attached to my name I have emailed IT multiple times and have called the branch a million times but still NO ACCOUNT Im not gon na pay until this is fixed Im tired of being runaround and still after 4 months HAVE NO ONLINE ACCOUNT TO MANAGE MY LOAN ugh pics below after I log in ugh
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights.
15 USC 1681 section 602A states I have the right to privacy.
15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 02/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX of 2020 One Main FinanciaXXXX added a late payment on my credit report even though they were made aware more than once that I was out of work due to XXXX XXXX. I work in the transportation and hospitality industry which was adversely impacted by the pandemic. When I recently contacted them they acted like they could care less and stated that they wont remove the item even though they know how hard 2020 was for everyone.
|
| 01/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/2018 ( XXXX ), XX/XX/2018 ( XXXX ), XX/XX/2018 ( XXXX ) my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 11/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
I received an alert that OneMain Financial had pulled my credit. This was not an inquiry that I was familiar with and I did not authorize this. I called the company to file a fraud report. Apparently there was already {$15000.00} withdrawn under my name. They clearly do not have sufficient fraud control in place to monitor this. I filed a police report today and will be proceeding with the fraud report with OneMain Financial.
|
| 09/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
in accordance with the fair credit reporting act XXXX account has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a cunsumer reporting Agency can not Furnish a account without my written instruction.
15 USC 1666B-A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose .....
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting Act XXXXXXXX XXXX # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Onemain does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I reviewed a copy of my credit report and ONEMAIN ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
I was misinformed by a lender to not make the payment during a home refinance, we did not close on time so the payment has been reported as late. I reached out to the account lenders local office and made arrangements for a deferral. The account is still being reported as a late payment for the month. I have spoken to several folks at their corporate and they will not remove the reporting error or give a courtesy adjustment.
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was pre-approved for a One Main personal loan Went thru the questioning process. All credentials was good. They then asked for last year tax return, I had no clue that I needed to submit a tax return. Had I known that I would not have went with this bank. I was misleaded & false advertising. This hit my credit & I think it's unfair & needs to be taken off my credit report. ONE MAIN Financial is the bank & needs to be clear
|
| 02/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
There was an issue the resulted in a return payment. The creditor conatacted me at XXXX XXXX on XX/XX/2021 ( Before XXXX XXXX XXXX. I informed them that there was a bank error to resulted in the issue and then I would make a payment online on XX/XX/2021 once it was resolved.
The creditor called multiple times on Tuesday XX/XX/2021, and then repeatley harrased me by calling my over 6 times in one day XXXX XXXX/XXXX/201 XXXX.
|
| 10/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have three unauthorized hard inquiries on my credit report, and after months of trying to ask XXXX and XXXX to investigate them, they won't take any action. I sent nine letters and seven phone calls to dispute these hard inquiries with no luck to investigate/remove them from my credit report. I never authorized these inquiries. I have no idea what type or kind of loan they are or banks. Never applied and never authorized.
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IN ACCORDANCE WITH THE FAIR CREDIT REPORTIMG ACT ONEMAIN ACCT XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.
15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHA ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
|
| 04/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a spam call, about me having a formal complaint against me about a debt that I never even had or owed. The company that they mentioned was One Main Financial. Ended up calling the actual company, and they were able to confirm that I do not have an account with them nor do I or have I ever owed them any money.
The phone number that was trying to SCAM me was if a Colorado area code XXXX.
Hope this helps others!
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
in accordance with the fair credit reporting act XXXX Account has violated my rights.
15 usc 1681 section 602 states i have the right to privacy.
15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights.
15 usc 1681 section 602 state I have the right to privacy.
15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions.
15 usc 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.
15 USC 1681 Section 602 states that I have the right to privacy.
15 USC 1681 Section 604 states that a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received notice loan was past due around the first of XXXX. Thought it was a scam so we threw it away. One Main Financial sent a new request dated XX/XX/2022, stating that the current balance on this loan was {$10000.00} and they offered a " settlement offer '' of {$5300.00}. I have zero loans on anything. I pay cash for everything and have the last 40 years. I only have two credit cards, which are paid in full monthly.
|
| 09/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Repeatedly asked One Main Financial to not contact me at work- most recent request XX/XX/2021 - and I told them they can contact me on my cell phone or via email. I have asked them repeatedly to remove the phone number and not contact me here, and told them they are violating FCRA by repeatedly contacting me at this phone number, and to stop calling me at work. I told them they contact me in writing or on my cell phone.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 09/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The payment l had been making are not reflecting towards the balance. Therefore reporting inaccurate on my credit report.
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
1
5 U.S.C 1681 section 602 A. Slates I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report.
List of inquiries : OneMain Financial : XX/XX/2020 XXXX : XX/XX/2020 XXXX XXXX XXXX : XX/XX/2020 XXXX XXXX XXXX : XX/XX/2020 XXXX XXXX XXXX XXXX : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX : XX/XX/2020
|
| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have working with a consumer law person to repair my credit. I requested my consumer report from XXXX. Upon receiving it I reviewed it and discovered an error. The account with One Main shows that the account was paid in full/charge off. I noticed some discrepancies while reviewing other reports. According to USC 1681E ( b ) if the information is not accurate across all the reporting agencies it needs to be removed.
|
| 07/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
One Main has reported incorrectly on my credit report which is presently being reported negatively on my XXXX Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received countless phone calls and text messages after I made sure that I don't need a reminder or any type of contact on the website. I have removed that feature a month ago and still experiencing harassment from the company. Attached to this complaint will show the number of text messages and phone calls I receive within days. This company is looking for payments of {$130.00}. Making it a total of {$2600.00}
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have sent certified return receipt letter to this company dated XX/XX/2020. I have proof that the company received the letter. I also issued a dispute to XXXX, XXXX, and XXXX. To date, I have received no correspondence from the company and they have continued to report inquiries on my credit report. I did not authorize this inquiry at all, and they had not permissible purpose to make an inquiry on my credit report.
|
| 02/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My loan with One Main Financial was paid off on XXXX XXXX, 2022. I never received a pay off quote from them per my request to confirm the amount paid to them by the insurance company was correct. on XXXX XXXX they took a payment from my XXXX XXXX account in the amount of {$230.00}. I'm looking to get a refund for the payment taken from me after the pay off and a copy of the pay off quote used to process my pay off.
|
| 02/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
Approached the company several times and was told I would have to pay additional money towards the principal in addition to the regular payment if I wanted more to go towards paying the loan off. Of {$650.00} they credit only {$26.00} a payment to the principal. In other words I will never pay them off. OneMain Financial is the company. They hold my vehicle title also.
They use an interest bearing account as ploy.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
15 usc 1681 section 602 state I have the right to privacy. In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treate payment on a credit card account under an open end consumer credit plan as late for Purposes.
|
| 02/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
One Main Financial makes harassment phone calls telling you that your loan payment is due while the loan is in its grace period. The bill is not late until 10 days after the due date, yet they call you everyday harassing you until you pay it. This is not how loans work and this is bad customer service. I didnt agree to a loan to be harassed. If I am not late according to my contract, you have no reason to call me.
|
| 05/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Good Day, I filing a report as it pertains to my account with onemain financial. Account had a settlement offer and before I was giving the opportunity to settle account was listed as closed as well as charged off negatively affecting my credit. I have made several attempts to get this rectified with creditors, however creditor has repeatedly reported this falsified information and Im seeking legal in this matter
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently noticed an inquiry on my credit profile from One Main. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
|
| 06/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Well we have XXXX on the acct and its says hes XXXX but they collected money from us and told us they would return the money and they dont, threatening us that they would garnish my check. Hes still XXXX and they put on paperwork for 6 months to a year snd they still harass us about the payment. Then they say they added the payments yo the back of the Back of the loan instead of returning our payment back to us.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a notification that a loan application was submitted under my name for a load with One Main Financial on XXXX. I called one main and reported the fraud and they said they would decline the application. I have also called XXXX to put a freeze on my credit. XXXX told me to file a report with reportfraud.ftc.gov and send them a copy of the report to have the credit inquiry removed from my credit report
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Problem getting your free annual credit report
|
|
Web |
|
|
When trying to apply for a small loan it always saying that it want impact on your credit score but it does and when I apply always says decline I have a good job with great income but most of the system always denied or decline my offer and even when I'm trying hard to get back on track sometimes we face hardship and some of the loan offer don't try to work with u instead they just mark u as a negative credit
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX sent me a notice stating I had an outstanding chance of approval up to {$3000.00} credit card limit that wouldnt affect my credit and it was a preapproval. They didnt give me an answer but gave me a hard inquiry. XXXX stated they arent supposed to be advertising the card due to the information being false. They stated they would send out a letter for the deletion of this inquiry from XXXX on XX/XX/
|
| 01/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ONEMAIN FINANCIAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
|
| 12/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have noticed the company ( One Main Financial ) has been applying frivolous interest fees not disclosed to me initially, also they refused to provide me with contract signed accepting such impossible interest terms.
I've stop payments to this lender as on today 's date due to their lack of response to provide me with contract signed.
Hard copy of contract was never explained neither given nor delivered.
|
| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A potential employer made me aware that my credit report is showing charge off amounts for One main financial, XXXX XXXX XXXX and XXXX XXXX. I've paid the loans I've previous had and have the proof that they were paid for the XXXX 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
|
| 07/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : ONEMAIN Account Number:XXXX
|
| 01/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a creditor falsely reporting delinquent account and late payments every month, even though they agreed to a settlement and the terms of the settlement are being met with my monthly payments in full and on time. I called them and tried to get them to report correctly but they said they will continue to report payments late each month, even though I am making all payments on time and in full each month.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
OneMain Financial placed a hard inquiry on my credit report without my authorization. I reached out to OneMain Financial and they were able to provide me with the creditor requesting my information, Even Financial, as well as the contact info XXXX. I contacted Even Financial and someone did in fact use my personal information to try and obtain a loan. I let them know I was not the one who made this request.
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
|
| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I try to resolve this issue with this company name Onemain They try to collect {$2800.00}, i ask for a more details and the costumer service was so agresive and rude it threat that my life is done that they will destry my whole life and on main time we on the phone he was in contact with a Sheriff s Dep to come and arrest me if i do not set up payments with them is like a night mirror time with this company
|
| 10/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Pay off amount is higher than the actual balance. I have been paying for 1 year or so the amount on the account and everything I pay is applying directly to interest {$160.00} every time to interest and only {$2.00} towards principal. I also was charged XXXX without my authorization and I had already paid XXXX to this lender, they withdrew money from my bank without my consent and I am already overdrafted.
|
| 03/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
One Main, XXXX XXXX XXXX XXXX IN XXXXXXXX, has an incorrect balance and/or charge oof amount listed. I have tried MANY times to get this corrected to no success AT ALL!
The balance states {$6200.00} but the charge off says {$6800.00}. How can you charge off more than your own stated balance owed?
AND if it is indeed charged off BY LAW, they should not have ANY balance listed!!!
It should say " XXXX ''!!
|
| 09/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The vehicle was totaled by XXXX XXXX XXXX due to flood damages. My credit report, after disputes with the credit bureaus is showing the total purchase price of the vehicle.
Credit report does not reflect the correct balance. I have not received any correspondence reflecting the balance on the the vehicle. The company is reporttng late payments to the credit bureaus, drastically lowering my credit scores.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
One Main Financial made hard inquiries on my consumer report with no specified reason on XXXX & XXXX. Did I give them permission? Absolutely, not! This is Aggravated Identity Theft pursuant to XXXX XXXX. One Main Financial transferred, possessed, or used, without lawful authority, a means of identification me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
|
| 10/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
as of XX/XX/2022 I was no longer able to pay this debt due lost hours at work and I started working with a debt agency and I have not made payment since XXXX and One Main has been informed Im working with debt agency and I removed my payment information and somehow they took an auto payment from my bank XXXX XX/XX/2022. they refuse to work with me and remove the unauthorized payment my loan number is XXXX
|
| 08/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have a secured loans with One Main. I have XXXX XXXX XXXX as collateral. The current one I have with them I have had since XX/XX/XXXX. I have always been on time until the last year or so but I may have gone 30 days once. One Main has called me 2 times today within an hour and at least 4 times a day since the first. I would understand if i was late multiple months but not 30 days and call 4 times a day.
|
| 06/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
Scheduled final payment of {$750.00} to be withdrawn from acct on XX/XX/2020 After talking with my partner we decided to make our final payment of {$750.00} on XX/XX/2020. On XX/XX/2020 OneMain withdrew {$750.00} from our acct. I was not given a reason why only that an overage check was approved on XX/XX/2020 but company policy said there has to be a 14 day waiting period before my check is mailed to me.
|
| 10/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
ONE MAIN FINANCIAL- XXXX IL Gave initial loan for {$7000.00} roughly. Through a multitude of years I have paid back over XXXX and their claim is I have paid -3 %. Out of the total balance. I would like to report this as theft and complete predatory lending. This is all after having multiple customer service and payment issues such as automatic payments, that lead to a forced refinance and increased APR.
|
| 09/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I was led to believe that I could not receive a loan without signing up for an add-on product, and I was never able to remove it. I was also mislead on the payment process - whereas I made payments that totaled {$8400.00} - some of those payments were made early ( as I was told that would lower my principal if my goal was an early payoff ), but my principal only went from {>= $1,000,000} to {$8100.00}.
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax fraud!
|
| 10/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I did research and found inaccuracies on my credit report In Accordance with Fair Credit Reporting act One Main Financial and XXXX XXXX XXXX both have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions which neither of them did.
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
There was an inquiry on my credit report ( XXXX ) from One Main Financial ( XXXX XXXX XXXX, XXXX, IN XXXX ) and ( XXXX ) from One Main Financial ( XXXX XXXX XXXX, XXXX, IN XXXX ) regarding a loan inquiry in which I never lawfully gave them permission to do a " Hard Inquiry ''. I want these inquiries removed from my credit report and One Main Financial to be responsible for this illegal action taken.
|
| 12/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
One Main Financial pulled and accessed my XXXX XXXX, XXXX, and XXXX credit report without my authorization or permission. I never applied for a personal loan with One Main Financial. The credit inquiry from One Main Financial listed on my XXXX XXXX, XXXX, and XXXX credit report from XX/XX/XXXX is a fraudulent and unauthorized credit inquiry. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
One Main Financial. They inquired my credit report on XX/XX/2022. They did this without my authorization. I sent a letter on XX/XX/2022 asking for proof of my consent or have the inquiry removed. They falsely claim that they obtained my consent through a third party called XXXX XXXX. I have never requested credit from neither of them. They also said they are not going to seek removal of the inquiry.
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In according with the fair credit reporting act XXXX account # XXXX has violated my rights.
15 USC 1681 section 602 state I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also state a customer reporting agency can not furnish an account.
15 USC 1666B : a creditor may not treat a payment on a credit card account under and opens end customer credit plan as late for an purporse
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Any derogatory markings from One Main inclusive of charge off needs to be removed. Due to failure to report for court proceedingsit was dismissed. Deceptive practices were then utilized a 2nd time to have me subpoenaed and further confirmed as dismissed. I do not owe this debt and it needs to be removed expeditiously. If supporting documentation is needed such as court documentation can be provided.
|
| 10/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
This company is a first class harasser. If one day and I do mean ONLY ONE DAY has passed after the payment due date they are calling more then 4 times a day asking for payment. They harass even when the payment has been scheduled. Per FDCPA a creditor may not call more than 8 times during a week, these people in less than 2 days accomplish that. This company needs to be held liable for harassment.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ive sent several rounds of dispute letters and still no resolve or any type of concerning action was taken. I feel that Im in a really tough position. These fraudulent items on my credit report are hurting my chances of becoming a home owner. Which really puts me and my family in a bit of a hardship. To whom it may concern may I please be pointed in the correct direction to get my issue resolved?
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I closed my account with one main credit card because the credit limit is too low and they are charging me annual fee and wont refund me I disputed the account with XXXX and it was denied by one main financial this card was opened on XX/XX/2023 and I want a higher credit limit and I cant get that with one main and they are not working with me to get a credit line increase and save the annual fee
|
| 01/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2023 One Main Financial contacted my parents about a debt I owe. They told my parents they need to talk to me about a past due debt I owe them. This is very embarrassing, and if I understand the federal law correvtky, what they have done in discussing my debt to my parents violates Federal Law. They have also not ceased to call me numerous times a day for weeks now concerning this debt.
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Onemain Financial has shown up on my credit report as hard inquiries multiple times to include as far back as XX/XX/2021. One address is local in my town of XXXX, SC XXXX which I called and was spoken to very rude and Inappropriately. The other one is out of XXXX, IN which I tried calling and got disconnected or hung up on. Attached is information to include emails I sent and their responses.
|
| 06/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have filed a prior complaint through CFPB where in response they acknowledged that I told them not to call me on my work phone, but now they have called me twice since then at my office phone. On XX/XX/23 at XXXX I missed a call from them on my work phone. On XX/XX/23 at XXXX they called again and I answered and told them that I have already instructed them to not call me on my work phone.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Inquiry from OneMain Financial appeared on my credit report today XX/XX/XXXX and I have not done any business with this company and I have not been applying for additional credit at this time.
ONEMAIN Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Personal Loan Companies Contact info Address po box XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull.
Thank you for resolving this matter, XXXX XXXX
|
| 06/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Source : XXXX XXXX : ONEMAIN Address : app. XXXX XXXX, XXXX, IN XXXX Phone : XXXX This company came up as an Hard Inquiry on my credit report on XX/XX/22 on XXXX XXXX XXXX XXXX I didnt apply for any credit. I have fraud protection so I dont understand how someone could us my name to open up new creator. Usually the company calls me before proceeding.Can you please help me with this matter.
|
| 09/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This company has not tried to work with me during a pandemic. I asked can I get my payments lowered because {$530.00} is a lot a month, I was told no. I asked to split it every two weeks. I was told no, just make two payments online. At the end of the loan I still have to pay the total why can not I pay $ XXXX {$350.00} a month. I regret ever taking out a loan with this company. Please help
|
| 12/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
One main financial call me back to back even though I have talk to numerous representative stating the same thing. I have a claim that has been approved and the pay my car payments monthly. If they are a day late one main calls me saying my account is deliquent. They claim its their job and they have to call you everyday until its pay. This is constant mentally draining and is harrassment.
|
| 02/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
|
| 07/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I originally took out XXXX. I paid this down after the excessive rate. I was offered to refinance and take out more money. Upon taking out this loan I was told that the loan was short term. It appears that no matter how much I pay the loan amount continues to increase. I took out a loan around {$6900.00} around XXXX. I have paid maybe {$5000.00}. One main is stating that I still owe XXXX.
|
| 03/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/2023, I was XXXX in Washington XXXX DC. My wallet with {$400.00} and all of my debit cards were stolen. I did t have transportation or access to make my Monthly payment of {$240.00}. I have paid my bills on time each Month and was never late. Because of this event, I was late one time and now have a 30-day late report on my credit reports. This has caused my reports to decrease.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed the attached account multiple times and have reached out to Onemain to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with Onemain to make the correction, they said they would correct it but did not.
|
| 03/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I had ordered a product for my XXXX seller store XXXX XXXX ... the company never got back to me about my order. I called several times. I called XXXX on XX/XX/XXXX to dispute and was told they would contact the company. As of today when I called XXXX nothing has been resolved.They could not get in contact with the vendor either she said. I asked the lady to remove the charge she refused.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf.I am willing to settle this matter without any admitted liability. I am demanding compensation for each one of these violations and I am demanding a deletion from all consumer reporting agencies.
|
| 05/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
From XX/XX/2020 until now, i pay about XXXX, the statements show that the company put whatever amount to interest and small amount to principal, every month fluctuating amounts and when i ask to pay principal equal to interest they stated i can not. So i can't pay with cash, check, credit card.and.subject to thier format.of payment division. Also they report higher amount on fico report.
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account doesn't belong to me. I have a court order Declaring me a victim of identity theft. As well as a document from the District Attorneys office. I've contacted Equifax and OneMain financial but yet Equifax continues to report even though they were provided a court order. The account that is incorrectly reporting is OneMain Account # XXXX the balance is reporting as {$5300.00}.
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ONEMAIN FINANCIAL SERVIC Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX, XXXX, XXXX. All creditors are reporting in accrate information on my credit report.
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
There are inconsistencies with this account and the dates on the closed. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my rights.
15 U.S.C 1681 section 602 A. Slates I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to One Main Financial, XXXX and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Im XXXX22 I received an inquiry from Onemain Personal Loan company, and on XXXX22 I received an inquiry from XXXX Bank, the customer service departments did not help remove the negative inquiries that are reporting on my credit report. this is a fraudulent inquiry, Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
|
| 08/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
In or around XX/XX/2018 my identity was stolen and someone applied and received a loan from One Main Financial. ( Account XXXX XXXX ) Although I had an FTC theft report and police report One Main continued to get me to pay for the loan. In fact they have now taken me to court in the District Court of Maryland. I want One Main to stop the lawsuit and stop trying to collect this loan.
|
| 11/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I have been with XXXX XXXX since XX/XX/2023 and this is a debt consolidation company. My account with XXXX XXXX dealing with One Main is # XXXX. XXXX XXXX is willing to do a settlement to take care of this debt besides going to Court or Garnishing my wages. I was notified by a Bankruptcy Attorney and have submitted the letter to XXXX XXXX of this potential lawsuit or garnishment.
|
| 05/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
One Main Financial in XXXX, IL is not abiding by the Predatory Prevention Act and are still charging 55 % interest on a title loan. The interest is more than what goes to principal. I have tried talking with them and they would not lower the rates. On a {$300.00} payment, {$130.00} is principal and {$160.00} is interest. My fixed income is making it difficult to make the payment.
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Recent hard pull on credit file. Their website strictly states soft pull, got a preauthorization, then when calling to check on info, I did not sign or authorize anything, nor asked, for the hard pull, told what I needed to submit, told them I would get back with them, then seen on credit report, I already have an account with this company and was looking into adding more funds.
|
| 06/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
XX/XX/2022, I contacted the office to try and cancel the additional add-ons that were attached to my account with out my consent and was told it goes lon requirements and would be liable to for interest accrued if I cancel the additional add-ons products and my interest rate would be increased. I asked to speak with management the sale Rep disconnected my call. This is unfair.
|
| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The car is paid off and ONE MAIN will not send the release of XXXX. Instead, ONE MAIN sends me repossession letters again. Ive already had them repo the car. The letter clearly stated pay the full balance, not just past due balance, or were selling your car. If I have the car in my possession, that means they gave it back to me. That must mean I paid it off. This is extortion.
|
| 08/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
My monthly interest goes up. Even though I pay in less days with a smaller balance. For instance. on XX/XX/XXXX I paid {$220.00}. With a balance due of {$4800.00}. Intrest applied was {$63.00}. On XX/XX/XXXX I paid {$300.00} with a balance due of {$3500.00}. Intrest applied was {$74.00}. They said no penalties for early payments. Do why am I paying more interest? Please help.
|
| 10/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
I was originally approved for a {$5000.00} loan on XXXX XXXX ( application # XXXX ). I have yet to receive any funds however my credit score and report has been impacted. I spoke with XXXX and XXXX ( the branch manger ) XX/XX/2023, and the company states something has gone wrong with their software is reason they gave me for the inability to honor and book the loan approval.
|
| 11/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
THE ACCOUNT IS CALLED XXXX XXXX XXXX XXXX WAS OPENED ON XX/XX/XXXX OF A BALANCE OF {$440.00}. I CALLED MORE THAN 5 TIMES STATING IT WASN'T ME AND IT WAS REPORTED ON MY CREDIT REPORT.
ALSO, A COMPANY NAMED ONE MAIN WAS OPENED WITHOUT MY KNOWLEDGE ON XX/XX/XXXX. THE BALANCE WAS {$4200.00}. THAT WASN'T ME AS WELL. I CALLED THEM TO STATE THAT INFORMATION AND NOTHING WAS DONE.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
|
| 01/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX I canceled all automated payments and received confirmation of the cancellation via email.
On XX/XX/XXXX I was once again charged on a billing cycle I did not authorize when the bill was not due until mid XX/XX/XXXX.
The unauthorized payment was not fulfilled by the bank and now XXXX is charging returned payment fees on a payment that was never authorized.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
XXXX XXXX Account # ending XXXX OneMain Account # XXXX XXXX Account # XXXX
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The dates opened on the account are wrong. The highest balance on the account for the different bureaus are XXXX and XXXX. They were reporting the account open for months even though it was charged off as a profit loss and put into collections. I asked for consumer report and they did not respond. It has a past due balance and its a coded account. The account was re-aged.
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, Credit agency did not update credit file properly.
I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies.
These items should automatically fall off : One Main Financial
|
| 02/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
I have not applied for or requested any assistance from this company. I have contacted them at least three different times not to send me fake plastic cards and loan information. They are still sending me information.
The company is One Main Financial Phone number : XXXX Phone number : XXXX Branch Manager : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
|
| 08/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Currently there is a open and closed account reporting on my credit file with OneMain Financial partial account number XXXX and XXXX, I have requested the late activity on the accounts be corrected and updated on my credit report due to me being affected by the Covid-19 pandemic and the creditor agreed to do such. At this time the matter as agreed has not been resolved.
|
| 06/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
OneMain Financial reported incorrect information on my credit report indicating that I am 60 days late on my loan payment. I Spoke with a representative and made arrangements.
These are the dates I made payments : XX/XX/2020 XX/XX/2020 XX/XX/2020 Current Arraignments : XX/XX/2020 XX/XX/2020 Please assist me in this matter as I am not late with this account. Thank you!
|
| 02/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a notification from XXXX is showing that my credit is not going down and it stays at the original amount. I started at {$1500.00}. Can you guys check and see why they keep me pretty much the amount I took out versus the amount I have paid I havent ever made XXXX late payment for some reason they keep reported to the credit company and they keep Lowing my credit.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.
|
| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
As of XXXX of 2020, my score went down for no reason. I was on a bankruptcy so that prevents me from open credit or anything so my credit score with XXXX should of never been affected. All the other credit bureaus wasn't. I need that review because there is no need for me to raise anything because my score never dropped over 100 points for any reason. Please research.
|
| 11/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I was out of a job for for about XXXX. Instead of asking my family for money I renew my loan back in XXXX. I'm still actively looking for a job One main financial in XXXX, MO calls me XXXX times a day and tells me they are gon na take action towards me. I have them included in a debt consolidation program and they still harass me for payment. I want the calls to stop.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These companies are violating the Fair Credit Reporting Act ( FCRA ). These companies have pulled my credit report without my consent.
XXXX XXXX XXXX XX/XX/XXXX sales financing company One main XX/XX/XXXX ; XX/XX/XXXX personal loan company XXXX XXXX XXXX XX/XX/XXXX bank credit card company XXXX XXXX XX/XX/XXXX department store credit card XXXX XX/XX/XXXX XXXX XXXX
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone fraudulently opened up a secured loan in my name and this company has done nothing to investigate or remove this from my credit report. One main has been reporting fraudulent information to my credit report and just recently they increased the overall amount of the loan. How is this even possible for a company to tarnish a persons credit without Authorization
|
| 05/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
After requesting proof of loan by One Main, I was first told that they didn't keep this information on file. After calling a few more times to request this information, I received only electronic documents ( nothing with my signature ). I truly don't remember signing a loan with One Main although I made payments to not negatively impact my credit.
XXXX XXXX XXXX
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/2022 account was reported delinquent 1666a-1666b states that a creditor can not treat a payment on a credit card account as late for any purpose. I have tried to reason with my current creditor. I have a right to privacy These late payments have stopped me from getting approved for things I need to take care of my family This account reports late every month
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I discussed a personal loan with One Main Financial on XX/XX/2020. I only found out after they ran my credit that you have to be on your job a certain amount of time and that they did not take proof of income from the company I was working for at the time. The inquiry was supposed to be removed from my report. However, it is still showing on my XXXX Credit Report.
|
| 03/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have tried to call the company twice I was put on hold for hour no one ever pick up. I had my loan modified in XXXX. This is installment loan. I am not sure why they closed on credit report. Also credit report has not been updated since XXXX XXXX. The balance the amount pay is in correct. On the billing I will owe forbearance balance XXXX not sure what that is
|
| 01/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I filed bankruptcy and One Main did not raise any concerns about their loan being XXXX. My case was accepted by the XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. My case number is XXXX.
Additionally, I have not received any correspondence that a balance was due or repossession was possible. I am shocked that my car was repossessed on XX/XX/XXXX.
XXXX XXXX XXXX
|
| 10/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2023 around XXXX XXXX received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXX & XXXX and was unaware of the process server. The debt collector information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX
|
| 08/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
I requested a {$50000.00} line of credit. The header I got was {$50000.00}. Then when I clicked to review the loan amounts were much lower and one required collateral.
False advertising and I can not unsubscribe to their constant emails. Click on unsubscribe and then it takes you to a website without the ability to submit.
I have screenshots I can forward.
|
| 10/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX converation with rep at company 's XXXX number was told title would be returned within 7-10 business days XX/XX/XXXX converation with rep at local location where loan originated ... .was told " could not separate pieces of a loan.. can not return title to me .... '' they were happy to create a separate loan on the basis of receiving my auto title.
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
On XXXX XXXX I got an alert that a hard inquiry was placed on my credit report by OneMain Financial and I did not apply for anything or inquiry with that company I tried contacting the company and the automated system said it was closed and to call back Monday through Friday the inquiry was made on Saturday XXXX XXXX so how if they are closed on the weekend?
|
| 08/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
XXXX receiving my XXXX card from One Financial in XXXX, I have been flagged for fraud on all purchases and the card has recently been lock for over a week. I have called their fraud department repeatedly and have been met with an automated response that helps none. My card has been lock yet the company has had no issue charging the account there annual fee.
|
| 03/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
One main financial has very aggressive tactics to collect loan payment. Even if a payment has been scheduled, they will call and harrass you non stop until the scheduled payment posts.
On XX/XX/22 I found XXXX missed calls from XXXX. Most were after XXXX PM and in very quick succession.
( EST time ) XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX reported a hard inquiry from One Main Financial. I have NOT requested any credit from On Main Financial. XXXX is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want XXXX to remove the false information regarding One Main Financial & restore my 10 points!
|
| 11/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, ONEMAIN FINANCIAL, is currently showing XXXX days late on XX/XX/2015. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately.
|
| 07/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Onemain financial has take over 2000 dollars away from me they said XXXX is for the interest rate they never said I have to pay XXXX just for interest I have paid payments for over 2 yrs this is excessive and they lied I me I would not have taken a loan out just to pay you XXXX interest rate this wrong and I need help to get my money back can you help me
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One main recently checked my credit report yesterday. THIS WAS A SURPRISE to me as I did not complete any application for credit with One Main. I tried to call One Main and was unsuccessful yesterday. Which is why this is urgent and needs to be REMOVED ASAP. As well provide me with the IP address of the source which a fraudulent application was completed.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a credit inquiry om my XXXX file on XX/XX/2023 from Onemain Finacial Servives. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was XXXX.
|
| 02/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
My information was fraudulently used to apply for a loan. I called to have the application closed, and to be sure that my personal information was disposed of safely, and that my account was closed as fraud. they gave me the run around, and didnt have anyone that would help me, customer service wanted me to call the department, yet no one would help her.
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
ON XX/XX/21 One Main Unlawfully Obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transaction with One Main nor do I have an account for review or collection. On XX/XX/21 I mailed One Main a Notarized Letter explaining that the inquiry was unauthorized as well as a demand for a {$1000.00} settlement.
|
| 04/17/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/2020 XXXX XXXX settled with me through a lawyer for the amount of XXXX on a joint loan. They agreed to monthly payments of XXXX a month for 24 months. I have been making the payments the lawyer and on my credit report is still wrong. They are still saying I owe more and not making timely payments. I have all receipts and letter of settlement.
|
| 02/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I took out a {$6000.00} loan from One Main Financial. I made a payment of {$240.00} for at least a year before defaulting. After an extended period of time, I settled the loan for {$5.00}. Im not receiving a 1099-C for a cancellation of debt in the amount of {$2800.00}. I have paid the debt in full so I believe I should not have to pay taxes on fees.
|
| 08/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
I received e-mails today from 6 different companies stating my loan request had been denied but I did not apply anywhere for a loan so someone else is trying to get money using my information.
The e-mails came from the following companies XXXX One Main Financial Reference # : XXXX One Main Financial Reference # : XXXX UXXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Was calling in and checking on a fraud claims and they keep transfer me to different departments and getting rude reps all young XXXX XXXX XXXX .. and refused to pull up my credit card account and check my claim and refused to give me a temporary credit and help me out with my account. The fraud department is a joke and keep giving me the run arounds
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP. ( ONEMAIN XXXX )
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The inquires are fraudulent and unortharized I have no clue as to why they are on my credit. Someone pretend to be me and tried to sign up for things.
- one main financial inquiry ; XX/XX/XXXX - one main financial inquiry ; XX/XX/XXXX - XXXX inquiry ; XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry ; XXXX XXXX theses inquires are on both my XXXX and XXXX
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a an inquiry listed on my credit report that I didn't authorize from One Main Financial. One Main services are misleading. The website states you can check a rate without impact to your credit report which is clearly misleading. I never authorize one-main to run my credit dated on XXXX. Unfortunately the ran my credit without my permission.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
OneMain financial has already been contacted by me via USPS mail. There are still a few inquiries on my credit report. One main financial has not provided a sign contract stating that they solicited my information with my permission. Is incorrect reporting and inquiry has hindered me from receiving a mortgage, and apartment, and more in the past
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX I did not make this inquiry.
XXXX XXXX XXXX ON XXXX I did not make this inquiry XXXX XXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX XXXXXXXX XXXX on XXXX I did not make this inquiry Onemain Financial XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.
|
| 02/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Refinanced my truck with one Maine financial and they said for the loan to be valid in Texas it needs to be registered in the state so I paid them XXXX XXXX dollars to register the truck and its been over a year now and I still havent received my registration and every time I call about it they blow smoke up my XXXX about some excuse or another
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
today XX/XX/16, I seen an inquiry on my credit report from main financial. Not only was I not looking for a loan, my phone is getting several messages from loan companies as well as my email. When I called they stated that I asked for a {$2000.00} loan, however they only have my name and number in their system. This is fraud and it was not me.
|
| 04/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company in question has been calling 3-4 times per day and leaving at least one voicemail each day since XX/XX/23.
Payment on the account was due XX/XX/23, I personally believe a phone call first thing the next day when the account could have been still processing payment is harassment. Let alone a call every three hours after that since.
|
| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been making payments to One Main Financial for years. I recently settled with them using XXXX debt restructuring and have not missed a payment. For the last three months they have reported to the credit bureau that I am not making payments and its killing my credit score. They are unorganized, sloppy and their mistakes are affecting me.
|
| 11/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a email stating that there was a hard pull on my credit score.
It showed one main financial but I never inquired into a loan recently. I had used their service months ago in which there was a soft pull. But there was another hard pool today XX/XX/2023 This was not done by me.
I called and they said they cant do anything about it.
|
| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have contacted Springleaf financial who is now OneMain financial regarding removing a 30 day late in XX/XX/2014 ( their error ). I did not receive mail for several month regarding this loan around the time of the late. I have reached out to them several times regarding removing this 30 day and they continuously do not respond to my attempt.
|
| 07/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I happened to look over my credit report, and received a report from each credit bureaus stating I owe One Main Financial services. Acct # XXXX. It states the account was charge off, but I never received a 1099c from One Main Financial services. I been trying to get a 1099c from them to insure the account they accusing me of is charge off.
|
| 07/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 2 602 stays I have the right to privacy 15 US C1681604 section to a consumer reporting agency can not furnish an account without my written notice 15 US C166B and open credit payment can not be reported as late on a open account
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a hard inquiry on my credit report from a company called One Main Financial on XXXX XXXX, 2021. I have never requested credit from this company. I tried calling this company multiple times. They always transferred my call to either a voicemailbox ( which never returned my message ) or transferred to a number that hung up on me.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
Someone is trying to apply for a personal loan to One Main Financial using my personal information. My credit reporting system shows there was a hard inquiry for this financial institution. Its been tried 3 times on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and recently XX/XX/XXXX. I have no interest in applying for any type of personal loan.
|
| 09/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
On last Tuesday I went in to One Main Financial and took in what they had ask for to complete the making it as if I ' d got the loan after about 45 min. They came ansaid I just a little bit under the mark and then took my score down XXXX pts after not giving me the money..Ok leave my credit score along if you are not going to give loan
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have reviewed a copy of my credit report and I show company SPRINGLF FIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
|
| 06/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Charged me {$90.00} for a returned check fee. This is ridiculous. These people call me ceaselessly all day long. When I don't answer their listed number, because I'm at work, they call from a bunch of other random Iowa telephone numbers. On average they call me 15-20 times per day. I have asked them not to call me but they still do.
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My information was compromised online, & someone used my identity & banking information to open an account online in my name without me noticing until I checked my credit report. The company with the loan in my name thinks its me because my information was stolen which is fraud but they do not care. company called one main financial
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have written One main several letters asking for verification of this account and updated accurately. they still failed to update it correctly. All three reports continue to show different closing dates and different last payment dates. I have also informed the credit bureaus and they continue to fail to do a proper investigation.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have reviewed a copy of my credit report and I show company ONEMAIN FI account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
|
| 07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
Too many HARD INQUIRIES is unnecessary and unauthorized. they Have a negative effect on my credit score. All my current creditors rate me better than agreed. But excessive inquiries by past credit companies and insurance companies are killing my credit score. I have no power over them to require removal of these.I need your help!!!
|
| 06/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This company is violating the Fair Credit Acct. My account XXXX charged off XXXX of last year. OneMain Financial is still reporting the account as open, and increasing the balance with additional extra and fees when it should be closed, and listed at the amount it charged off. Currently the account is negatively impacting my credit
|
| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
My account with one main financial had insurance on it. After I lost job the insurance covered nothing of what expected. Contact became difficult and I was told to make payments that were less then my monthly payment. The account defaulted and now I have a car with no title possession. One main financial used my car title for loan.
|
| 12/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
ONEMAIN to illegally re-age an account. This could have been cleared up by investigating and keeping accurate records, evidently, not a priority. I never received proof of last payment or payment history, which would have clearly shown the illegal behavior. Your time to correct this account has ceased, REMOVE THIS ITEM IMMEDIATELY.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In XX/XX/2020 ONE MAIN added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, ONE MAIN has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
|
| 05/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Garnishing wages in the sum of XXXX after collections was already taken by previous debt collection. Sent notice of garnishment to wrong address after the original company has new address and has not communicated since debt being written off, original loan company refused to collect collateral of debt and garnished wages instead.
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act One Main has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1681A Definitions Rules of Construction
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have no knowledge of ANY inquiries on my credit report. I have contacted every single one on my credit report ( s ) and have advised them that I did not have any knowledge nor did I approve of any of the inquiries. I have tried to resolve this for months and still no results of removal. they all need to be REMOVED ASAP. Thanks.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I went on my credit report to see what I could be eligible for and 3 hard inquiries were on my report I didn't recognize such as : XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX I had called 2 credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC
|
| 02/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
XXXX loan balanceXXXX {$12000.00}. One year later, XXXXXXXX XXXX loan balance {$11000.00}. Payments made- $ 4,884.68-Principal received {$350.00}, Interest received {$4400.00}. No progress in paying off this " predatory loan ''. Please advise, on how to combat loan from One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
|
| 01/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
One main financial : Loan amount was XXXX payments for {$310.00} for 60 months. Apr 35.99 % contract rate 33.29 % I am trying to pay off the vehicle loan and after 8 months of payments my payoff is XXXX. In three months of payments my balance went down {$6.00}. In one payment XXXX cents went to the principal payment. OUT OF XXXX!
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report is still showing late payments on ONEMAIN account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. Please get rid of this : ONEMAIN XXXX
|
| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for a XXXX loan that attached my vehicle for XXXX back in XXXX with One main financial group here in XXXX I was quoted that I was approved for {$12000.00} but I only got XXXX because I'm an XXXX XXXX I got less because I didn't have a check stub. and I was stuck with over XXXX in interest fees that I'm still paying.
|
| 12/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
Good Morning, I cancelled the extra insurance policies on my loan recently. At the time of signing my loan, I was told I had to have this insurance. I know that I am way out of range for a refund but I feel they are still being deceptive.
Also, you dont get that money back. Your only option is to have it applied to your loan.
|
| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Ive been paying on my title loan for going on 6 years, maybe more. Ive moved across the country since and I dont know where I placed the paperwork. They forced me to get the payment protection so if I were to XXXX they would consider the debt paid. Im paying about 100 % interest on the loan with almost {$6000.00} left to pay.
|
| 07/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Servicemember |
|
This Company garnished my wages, and has not updated any amounts to my credit report. Also I am protected under the SCRA ACT and have advised them of this information and yet they refuse to acknowledge the info and have continued to report negative/deragotory marks on my credit. Please see the following information for review
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX and One Main Financial, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One Main Financial is reporting a inaccurate inquiry, which is hurting my credit score.I have not received any lines of credit from them nor have I given them permissible authorization to run my credit. I have tried to dispute this matter but they are not complying with consumer laws.Please help me resolve this matter thanks
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX to reply back and they have not. I know that failure to respond is grounds for immediate removal.
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are reports on my credit report that were not made or authorized by me.
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted XXXX XXXX. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX-One Main FinanciaXXXX XXXX XXXX XXXXXXXX XXXX IN XXXX
|
| 05/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On XX/XX/2022 I applied for a OneMain Financial Loan and got approved. Upon approval, my credit score took a hit across XXXX, XXXX and XXXX. Once submitted criteria requirements for next steps, the loan provider called me and closed my account leaving me with no loan and a hit to my credit score across XXXX, XXXX and XXXX.
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The loan I had was Paid off because the Car was Totaled in a car accident. Insurance Paid the Car off even to the company. the loans that are in my name are not mine. I have two bill from this company and not sure why. I need this to End. Delete this off of my account. this account has been charged off with a XXXX Balance.
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
An account with ONEMAIN was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
|
| 06/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
OneMain Financial reported my payments as late to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was not late because I made a payment within 30 days. I called and spoke to someone at OneMain and they informed me that my payment was late from XXXX, but my loan was under modification from XXXX XXXX XXXX
|
| 12/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I applied for a loan to finance a vehicle from the beginning I explained I was working getting paid with a 1099 and they said it was ok and still run my credit score to come back around and say they needed a pay stubs or yearly tax showing my income when I had informed I hadn't been with the company for more than a year
|
| 07/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I applied for a loan on Saturday XXXX with OneMain- they provided me with all my loan details- {$7500.00} at $ XXXX. I was told Id receive my money on Monday after they verified my identity. I took the hit to my credit and then they declined me for funding. Its a shady practice and I want them to delete all of my data.
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi, I would like to reference original complaint number XXXX that was submitted on XX/XX/2022. The data furnisher/creditor has failed to respond in the mandated XXXX days given to them as law by the FCRA, and I'm requesting that this item be removed from the following credit reports : XXXX, XXXX and XXXX immediately .
|
| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX i paid main financial on XX/XX/2021 i always pay at the end of the month due to how my pay falls however it seemed online posted my payment on XX/XX/XXXX, and this is not my fault please remove this 30 days because this is reporting incorrecty. This was a online system gliche. I never had a 30 day at all
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
On XXXX XXXX2022 I received an alert from my credit monitoring services informing me that there was hard hit on my credit report from One Main Financial. I already have an account with them and there was no need for any type of inquiry. This will affect my credit negatively.
I want this problem corrected immediately
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2020, OneMain Financial ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with XXXX and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.
|
| 01/01/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Onemain financial has made calls to my HR employer about my debt and ways to contact me 3 times in the last 3 months. Along with that, they made repeated calls to my phone number to ask about the debt ( 6-8 times a week ), even though I told them to stop contacting as I am in the process of getting debt consultation.
|
| 09/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My experience account One Main whom I've closed both accounts by paying both off recently the older account was a second mortgage that was open with the financial company XXXX and the account had been turned over to One Main or bought out I was never late the account is showing late payment it's hurting my business.
|
| 10/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
As of XX/XX/21, my account with One Main Financial is reporting both a judgment and a collection for the same account. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. They should be reporting the judgemet or collection but not both.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This account is paid it is not currently a charge off as they just reported again, I constantly dispute this and they just acknowledged it is paid but just reported its current status as a charge off which dropped my score another XXXX points. They conti ir ti falsely report this account, I will be getting a lawyer
|
| 06/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
( ONEMAIN ) at ( XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX ) has been sending me collection notices in the amount of ( {$0.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
i would like for XXXX XXXX XXXX, one main financial, and XXXX XXXX to zero out my account balances with the credit bureaus. i am not reporting them or anything. i paid off my accounts with them earlier this month and i asked the credit bureaus to send them a request to zero out the balances on the credit reports
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX.
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX All onemain Make no sense.. I am really careful about no make any extra damage applications
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I obtained a title installment loan from OneMain in XXXX and paid the loan off in XXXX. I contacted OneMain in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.
|
| 11/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
summer 2019 onemain finiancial added on fees that were not allowed corrected once i sent a complaint and once again they applyed again and withdrawed fund from my bank acct that was not the correct agreement amount. tried nermous time to keep paying and resolve the issue all they replied was nothing they could do.
|
| 05/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
One Main XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX XXXX has made out a loan to me that seems to be fraudulent. I was not able to qualify for loan, but was made to use two vehicles as some kind of security. I now dont see them on my credit report and feel like I have been tricked into something very very wrong.
|
| 12/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I spoke with XXXX different people, including a manager and advised when I could make my payment. They continued to call more than XXXX or XXXX times a day, even after I reminded them of the legal limit of reaching out about a collections. They do not state it is an attempt to collect a debit when I do answer.
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Personal identity theft regarding opening credit cards using my social security number and personal information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
One main financial calls multiple times a day after I explained what information I can get them. Im under duress and have explained this to them multiple times. I am currently out of work after being injured and have explained that I will get with my dr for a note on the XXXX. They continue to call constantly
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have multiple unknown hard inquiries on my credit report. However, I wasn't the one who put them there. I've been on the journey to build/establish credit. I was instructed not to apply for anything during the course of doing so. Somehow, someone has my information and was applying for accounts in my name.
|
| 01/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
Explained to the company someone did a XXXX XXXX XXXX which a police report was made and they told me they would take care of it and never did. XXXX In the repossession department told me XXXXXXXX XXXX has full coverage but never adjusted the claim or refunded me for the last over paid loan on the XXXX XXXX
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 12/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent in letters on numerous occasions to XXXX and they are still reporting false information on my credit report. I have wrote this company In XXXX, XXXX, XXXX, XXXX and XXXX but that will not take action on the accounts I told them that do not belong to me. I have wrote the collection agency as well.
|
| 11/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
I am anxious to pay off this loan and have contacted them several times requesting payoff information. My requests have been ignored and no one has bothered to supply information to me. I dont want to keep paying interest on this loan for more days than today. I want to pay off and be done with this company.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed a complaint against them last month. They are refusing to take a payment from me now making me more behind and now put it on my credit making it seriously drop. I am about to get a lawyer. They are doing thing illegally and when you refuse payment in the state of iowa you just voided the whole loan.
|
| 10/15/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I think they unfairly trap me into a high interest rate on a loan that the charge over 80 % of my payments go to interest ... Ive ask fir lower interest rate but denied .... Im never going to pay off this {$33.00} k loan I been paying {$500.00} a month for over 10 years and its still over the $ XXXX balance
|
| 06/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I was sent an email from CFPB which involves one main financial. The problem I see with this company is the add on interest and other high prices interest they made you take out in order in be approve for the installment loan. I was in a rough spot so I borrowed again and was hit with the add on interests.
|
| 09/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
|
| 02/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
One Main financial secured a personal loan for a large amount and used my car worth {$4000.00} to secure a {$20000.00} personal loan. I fell behind due to a divorce and have been making smaller payments. They call over 10 times a day everyday. It is disrupting my work day and causing me additional stress.
|
| 08/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The interest was not was the lender originally discussed. The terms of loan are not what lender discussed. The lender lied about rates and terms of loan. For almost a year year I did not have access to statements. Also the lender threatens to repossess car and continues to call after being asked to stop.
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Two attempts to reach out to ONE MAIN FINANCIAL to remove from my credit report and cease and desist on XX/XX/2022 and XX/XX/2022, both times failed to resolve. Requested ONE MAIN FINANCIAL to provide a binding contract of two signatures per law and if unable to immediately remove from my credit report.
|
| 04/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was told by the person at OneMain Financial who sold me my loan that my APR was XXXX %. The company is now charging me nearly XXXX XXXX! They have nearly tripled my APR without and notification. This was a clear bait and switch tactic, and I am now being swindled and defrauded and taken advantage of.
|
| 01/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
ONE MAIN VS MYSELF, XXXX XXXX.
XXXX XXXX GA JUDGE ORDERED CASE DISMISSED IN MY FAVOR AGAINST THE PLAINTIFF ONE MAIN FINANCIAL.
ONE MAIN FINANCIAL IS ENGAGING IN SHADY BUSINESS PRACTICES REPORTING THE DEBT TO CREDIT BUREAUS AFTER DISMISSED JUDGEMENT & ALSO REPORTED INCORRECT & INACCURATE INFORMATION.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( XXXX ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
|
| 01/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
All the details remain from my previous complaint.
However, since then, they charge me again, after specifically being told, they do not have permission. Because of this, I am unable to eat.
The payment below was not only unauthorized they were specifically told not to charge my bank account again.
|
| 09/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am not familiar with this account. I have contacted ONE MAIN concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. ONE MAIN has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
|
| 06/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
Sent validation letter to XXXX XXXXXX/XX/2021. Received letter from Creditor XX/XX/2021 stating could not investigate my dispute. Creditor keeps selling loan to different collection agency. 3rd collection letter received from different collection company XXXX XXXX. Agreement and signature not provided.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Multiple inquiries on my XXXX report that I did not authorized.
ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Paid more then I owe, now they want to collect interest, Experience credit bureaus not doing their job, will not put your dispute in to the company, say call them yourself, why is experience ever still open if they dont take depute its more about how experience held deputes never send to the companies
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently reviewed my credit report and noticed there are a couple hard inquiries from a loan institution. I have never applied for a loan but my credit report reflects that I have multiple times. I reached out to the company and they told me to contact the credit bureau and file for identity theft.
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My one main financial account ending in XXXX is being reported on XXXX as closed and opened on XXXX this account was satisfactory paid off in beginning of 2020 and by law under FCRA you guys are reporting inaccurately on my credit profile and therefore now needs to be deleted from my credit profile
|
| 06/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
2 XXXX XXXX XXXX Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report.
One Main Financial debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a loan with One Main Financial. If I am one day late, just one day, not 15 days or even 30 days, they start calling 2-3 times per day. I believe this is excessive. I dont answer. I will pay, just things are tight so we always have to string things out a bit and are sometimes a week or 2 late.
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello to all involved. My credit file reports that One Main financial has pulled my credit which subsequently gave me an inquiry. I have not worked with one main in a while and feel that while I was recuperating from Covid, my account was susceptible to fraud. I have not requested a loan this year.
|
| 03/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
On XX/XX/2022 I went to One Main Financial to make my payoff balance of {$1600.00} using a electronic check from my checking I was inform by representative that my payment would post to my account XX/XX/2022. My payment still have not posted and I dont want to accrued anymore interest on this loan.
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well.
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.
|
| 06/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Took out a loan from One Main Financial over 3 yrs ago. Still paying on the loan when asked if there was anyway to lesson the payments was told that I could only refinance the loan. Also had issues paying the loan and was only given the option to refinance instead of helping lower monthly payments
|
| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE FOLLOWING INFORMATION ATTACHED IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
|
| 06/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
One main financial made me add life insurance to the allege account. TILA was not disclosed in terms of the sum of all things should be included. One main financial willfully and knowing violated me. Privacy was violated as well, it was not disclosed that I could opt out. My privacy was violated.
|
| 10/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from ONEMAIN
|
| 11/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have already paid the debt for Onemain although they will not update balance on my credit. Paid in full on XX/XX/2020.
XXXX will not update credit with Onemain and XXXX XXXX XXXX with correct balance.
XXXX removed old pay off debt and reduced my credit score instead of raising the score up.
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, One Main Financial. On XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Under the XXXX XXXX Onemain is required to report my account as being current. In XX/XX/2021 I made an arrangement with the Branch XXXX in XXXX, NC to move the payment to the end of the loan and under the cares act I am requesting Onemain to remove the late payment from all three credit bureaus.
|
| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, I would like to report fraud on my credit report. There is an inquiry by One Main Financial from XX/XX/2022. This is fraudulent activity. I did not engage in any business activity with the company and am not a customer. This is a false report that should be removed from my credit report.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX ONEMAIN XXXX XXXX XXXX
|
| 06/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
was being charged fees for something that i already paid for tired to work it out was told nothing they could do feel behind on payment because of this and still they did not want to work with me. i belive this company in violation of the loan regulation and statutes law.and demand investgation
|
| 04/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account has been paid off through a collection agency. XXXX XXXX still has not updated my report and it is damaging my credit report.
Account Info Account number XXXX Account status.
Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$1300.00}
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I pulled a copy of my report and saw that on XX/XX/2022, ONEMAIN, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX had a hard inquiry on my account that I did not authorize, I reached out to them, and they said they would remove it and it's still there. I reached out to XXXX, and it's still on my record.
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My XXXX and XXXX reports recently showed three Hard Inquiries that I didn't authorize. I am requesting that they be removed from my credit immediately.
XXXX ) XXXX XXXX / Inquiry Date : XXXX XXXX ) XXXX XXXX / Inquiry Date : XX/XX/2023 XXXX ) OneMain Financial / Inquiry Date : XX/XX/2023.
|
| 09/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Representative specifically suggested a co-signer for my loan application be my HUSBAND. I am not married. I have an EX husband and applied for credit SOLELY. My rights were violated in that it was suggested he be my co-signer. I was not approved for the loan because he wouldn't co-sign it.
|
| 11/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted One Main Financial on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let One Main Financial know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.
|
| 02/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
There contacting my employer a department I dont work in are customer service department telling reps to email me and I dont work on that side of the business there also calling from 50 different numbers while Im working. They had a customer service rep email me telling me to call one main
|
| 05/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
You guys all set me up with being pre-qualified just to turn me down what you guys don't see is my new history where I never missed a payment on my car loan where I paid off a whole car that was financed you guys don't look at the whole picture you just set me up to think I'm pre-qualified
|
| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I recently see I might be apart of a class action lawsuit, against " One main financial '' I'm not really sure about it. But, I did receive a loan from that company in 2016.
Please get back to me when you can.
The amount was for {$7500.00} XXXX XXXX I'm a XXXX resident.
Thank you!!
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
1. I have false names on my credit report -XXXX XXXX 2. I also have several false addresses on my credit report.
3. I have a total of 4 wrongful inquiries on my credit report.
-XXXX XXXXOnemain -XXXX XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX
|
| 05/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 06/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I had went out on XXXX on XX/XX/2019, I have insurance on the lon so they have been paying my monthly amount as I was told they didnt pay the XXXX bill and Im not sure why but every month its growing on my credit report Im late or missed and I did not I believe this is affecting my score
|
| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On my credit report it has been showing the loan going up every month instead of down. I want paperwork as to why. Then they told me they also added over {$600.00} to my loan because I dropped my coverage and I did not drop my coverage. I have not received an amendded loan or anything.
|
| 10/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
One Main Financial calls repeatedly all XXXX long and XXXX. XXXX alone I received XXXX calls from them. XXXX I received XXXX calls. I have communicated when I get paid and that I can not pay right now but will get them caught up as soon as possible. The constant calling is harassing.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
15 usc 1681 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer report furnish an account without my written instructions 15 usc 1666b A creditor my not treat a payment on a credit account open-end consumer credit as late for any purpose
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have hard inquiries on my report that I have no knowledge of.
XXXX : One Main financial on XXXX XXXX XXXX : one main financial on XXXX XXXX XXXX : XXXX card services on XXXX 2021 I havent dealt with any of these companies and have not given them permission to pull my credit report.
|
| 01/29/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Reference account # XXXX.
Loan obtained a few years ago. Was in good standing until I lost my job. I am now unemployed and the loan Has insurance protection if loss of employment should occur. The company one main would not work with me and I am not able to make any sort of payments.
|
| 12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Onemain ran my credit after telling me I was approved and when I get to the office I am denied. They did this several times on my report. I have already acquired a lian with them in XXXX of this year. Now I have 5 hard inquiries on my report from them. Miss use of consumer information.
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Company sent billing to wrong address when trying to make a partial payment on account representative told me that I could not make a payment until balance is fully paid. These were in between the dates of XXXX XXXX Would like to have those late payments removed from my credit report.
|
| 08/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Ridiculous high interest and criminal business practices in the state of OHIO. INTREST is accumulated daily. I've paid three times the loan amount on a 2004 vehicle. The company is ONE MAIN FINANANCIAL based out of TEXAS. PLEASE HELP THEY CANT TREAT HARD WORKING PEOPLE LIKE THIS!!!!!!
|
| 11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from ONEMAIN on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from One Main Financial and I have been injured.
|
| 08/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
2 inquries and a applcation I never submitted because of years of identity theft through a tax scam I place periodically freezes on my reports, they denied told me to reapply when I obtained SSI and was guaranteed approval! Lied. Was denied asked to remove the inquiry for years now.
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Springleaf Financial is reporting a delinquent status on a closed account that has no balance. They are reporting the past status as the current status which is reporting to XXXX and XXXX each month as delinquent and causing the item not to age. Please let me know if you can assist.
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have two different financial institutions Onemain and XXXX XXXX stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX
|
| 07/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I, as a federally protected consumer, I have reached out to One Main Financial via certified mail requesting information in which I have yet to receive the actual information and documents in which I have requested. The certified mail is posted as received on XX/XX/2022 @ XXXX am.
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022 there was an unauthorized hard inquiry placed on my credit profile by OneMain. I've been sent numerous solicitations from the company regarding loan opportunities and it having no impact to your credit score. I never authorized a hard inquiry into my credit profile.
|
| 10/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have been called 6 days a week 5 or more times a day from this company. I told them this is illegal. They told me they are allowed to call me 5x a day and have me setup in the system that way. The manager told me their lawyers are aware of their practices. I need this to stop.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Credit cards and hard pulls along with incorrect names/ numbers and addresses are attached to my credit report. Open credit cards that capital one can not locate associated with my social security number but are reported on my credit report. Credit bureaus have been contacted.
|
| 07/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The company listed on statements and on my online account the loan was being paid as I paid extra payments and at the end they said I owed more money, it was not paid in full. They also sold me fraudulent unemployment insurance that I was never able to use after many attempts.
|
| 06/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022 I sent One Main Financial a debt validation letter in which it was ignored. This is my second attempt at getting this debt validated and each and every question needs to be answered or this account need to be close and removed from my credit reports immediately.
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
My credit profile shows an account as a charge off. After checking all of my files and records i was unable to find any records with the listed company or any accounts that matched this account listed. I have diisputed account but it still remains. Please delete this account.
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XXXX and XXXX.
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX.
|
| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with ONEMAIN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and ONEMAIN with no successful resolution. There was definitely an error on their part.
|
| 10/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have already told them I recently ( 2 months ) had XXXX and was out of work. They continue to call all day and even have other branches in other cities continue to call all day.
O am sorry I can not pay at this time due to I list my job but the harassment has got to stop
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Onemain Financial XX/XX/XXXX
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a hard inquiry on my account From Onemain Financial as of XX/XX/22 I have not applied for any type of credit. I have contacted them and when I get through to them they say the will connect me to someone that will help when the phone call is transferred it hangs up.
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
1. ONEMAIN FINANCIAL 2. XXXX XXXX XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ONEMAIN illegal information is being reported unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me XXXX disclosures I have checked all documents from ONEMAIN and none of these documents have been provided.
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A recent loan application for One Main Financial was put through on my credit but there was error on their end and i contacted them and was told they would cancel the loan therefore under the fair credit act this should be removed from my credit report as a hard inquiry
|
| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I track my credit often and on the XXXX XXXX app I was given an offer to obtain a personal loan and the approval rating to obtain the loan was Outstanding. However, I went through the application process and was denied. This inquiry caused a decrease in my credit score.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Good afternoon, On XX/XX/XXXX I sent a letter to One Main financial explaining to them what laws they went against when it comes to my consumer report. It is nowXX/XX/XXXXwhich is way over the 30 day mark and I still have not heard anything back from One main financial.
|
| 10/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Received email communications from OneMain Financial regarding a debt consolidation loan. Also noticed a hard inquire on credit file from the same company. I did not originate this loan request, and believe this may be fraud. I've contacted XXXX and filing this report.
|
| 09/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I had a loan with one main and was charged more interest on add on features. I wanted those taken off and they were not. The loan has now been paid off but the interest for those add ons was unnecessary and caused an increase in payment monthly and with higher interest
|
| 06/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XX/XX/2021 in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sepreme Court # XXXX sent letter saying I owe a debt and his law firm was the collecting agency for One Main financial LLC. Both entities and company are in violation of Consumer Rights and 15 USC 1692
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX OneMain made a hard inquiry without my consent.The credit inquiry listed is unauthorized and I have attempted more than multiple times to contact the company directly to have them remove the inquiry and havent received a response.
OneMain Personal loans
|
| 10/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This account has been paid off and sold to another creditor therefore, i am not liable for this account anymore, please remove. IT is still reporting on my credit and it is reporting erroneously that i was 30 days late in XXXX XXXX it was never late See the attachment
|
| 07/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I AM A VICTIM OF UD THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT FRAUDULRNTLY IN MY NAME : ONE MAIN OPENED XX/XX/2019 THEY WERE MAKING PAYMENTS COMING OUT OF MY ACCOUNT UNTIL I CONTACTED THE POLICE DEPARTMENT AND SHUT DOWN MY BANK ACCOUNT.
|
| 04/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
One main financial loan service I have never used or contacted before they have affected my credit score by leaving hard inquiries. I have 5 times they have without permission run my credit and Making my credit have a negative impact. Id like this removed immediately
|
| 02/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
One of the credit bureau informed I had gotten a new loan from One Main Financial on XX/XX/2021. That is not true. I already have an open loan with them several years ago not a new on in 2021.
Furthermore, One Main is reporting my balance higher than it actually is.
|
| 08/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
OneMain - XXXX OneMain continues to increase the balance of an account that was charged off. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.
|
| 03/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello- I checked my credit report today and there was a new credit collection posted in XX/XX/2023 from 'One Main Financial. ' It is a small amount of money, however, I have no knowledge of this debt and have not received any communications that it was outstanding.
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
OneMain Financial showed on my credit report even months after the car was repossessed that it was still delinquent payment even though they had already sold and liquidated asset and didn't report real value of car or apply correct earnings received to debt accused
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hi, I noticed some credit inquiries in my credit report of XXXX XXXX, XXXX and XXXX which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL XXXX
|
| 06/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
The car is undrivable and I want to release the Lein to get rid of the vehicle but they will not release the lein eventhough I was informed by XXXX at the one main office in XXXX Ohio that the lein could be released at any time. I have been making my loan payments
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have unauthorized inquiries for the following companies : XXXX. XXXX XX/XX/2021 XXXXOnemain Financial XX/XX/2021 XXXX. XXXX XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXXXXXX while checking my most recent credit report, I noticed 7 hard credit inquiries, One Main Personal Loan Companies XXXX One Main Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
|
| 11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
One 3 separate dates in the past year One Main Financial has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with One Main in over 5 years.
|
| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Onemain financial I borrowed XXXX and I missed payments tried to pay so I could get back on track the constantly called several times a day for months sent letters and I finally refused to pay it cause I was being harrased on a daily basis with 15 calls a day
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone fraudulently applied for credit using my information. This is reflecting as a hard inquiry on my credit report and effecting negatively on my credit report. Ive called the company multiple times and they have not resolved or returned any of my calls.
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
Older American |
|
I applied for credit from One Main Financial and was turned down. Later over the next 2 months my credit was run again and again.
I sent them a letter and they never responded. I called their local XXXX office and they didn't know what I was talking about.
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Didn't receive services that were advertised
|
|
Web |
|
|
XXXX XXXX mentioned I have been pre approved for a personal loan. When Ive contacted the loan office, they mentioned later that I was not approved via the offered that was mentioned thru XXXX XXXX which has ultimately decreased my credit score dramatically.
|
| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One main financial informed me that they would be doing a soft pull on my credit report and it wouldnt affect my score but I see that I have a hard inquiry from them and its actually negatively impacted my score and its still reporting which is inaccurate.
|
| 02/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have contacted One Man many times trying to get this debt removed that's bringing down my credit badly.They have failed to respond and I would like that debt removed off my credit. The credit amount is false and I never took out credit with this company.
|
| 01/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ONE MAIN HAS BEEN SENDING ME LATE NOTICES IN THE AMOUNT OF {$10000.00}. THE LATES HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I was misled into believing I had an offer. They performed multiple hard credit inquiries for the same product. Each time they had a question that they had to stop they would make a new inquiry on my report for the same loan. Then they withdrew the offer.
|
| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section XXXX permissible purpose.
TransUnion - XXXX XXXX, XXXX XXXX, 2021XX/XX/XXXX XXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021
|
| 09/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I have requested a one main financial loan about 2 years ago, which Monthly installments have been paid on time since the loan was received. One main financial loan has been calling often to request information, even though the loan is being paid on time.
|
| 09/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Dear, I usually make payment on time. I made XXXX payment on time by online, and at that time their website had system problem. My payment was not processed correctly. I found this matter later, and they already reported credit bureau about that payment.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Onemain Financial credit inquiry/inquiries that I did not authorize.
|
| 05/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit and housing.
|
| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I was trying to purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.
|
| 06/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
on XXXX XX/XX/XXXX and XX/XX/XXXX I recieved inquiries from One Main financial on My credit report. I did not authorize these hard inquiries. I disputed it, I've spoke with one main reps to get authorization proof for these inquiries but to no avail.
|
| 12/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
After recently reviewing my credit report I see 2 inquiries reading XXXX XXXX and OneMain Financial. I never gave OneMain Financial and The XXXX XXXX company permission to run my credit and would like to remove them off my credit report immediately.
|
| 04/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I opened a secured loan with onemain financial and its been nothing but a nightmare interest rates is unbearable and its ruining my credit I called and asked for a reduction they placed a charge off against my credit and its cause my score to suffer
|
| 11/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
Im receiving mutiplty callsXX/XX/XXXX-XX/XX/XXXX throughout the week daily One Main Financial regarding a personal loan that I have missed payments on regarding financial hardships that their away of is harassment at this point.Please close account
|
| 07/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
The company, One Main Financial is constantly calling my place of employment, even though others and myself have asked them to stop. Specifically XXXX, who has been asked multiple times to stop calling is persistent and could possibly get me fired.
|
| 03/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Constant calls, usually 3 to 5 a day. Regularly violates the 7 in 7 rule. Called my coworkers phone asking for me. One employee I spoke to said like, I just dont understand why you cant pay right now after telling her my first child was just born.
|
| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
One Main Financial ran my credit without authorization on XX/XX/XXXX and XXXX. They have admitted they did this in error but as far as I can determine nothing has been done to remove these authorized inquiries from my XXXX and XXXX credit reports.
|
| 01/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I noticed a couple of inquiries that I did not apply for and have no idea how they got there. On XX/XX/XXXX I noticed somebody tried to take personal loan out for one main financial, XXXX XXXX and XXXX XXXXXXXX XXXX credit card on the XX/XX/XXXX.
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I have personal information that is apart of identity theft on my credit report. I also have accounts that are not mine due to identity theft.
Several disputes and attempts have been made to get wrongfully information removed from credit report.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a potentially negative account from One Main Financial. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with One Main and it still has not been removed from my credit report
|
| 10/11/2020 |
No |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
One Main XX/XX/2014, {$1800.00}. They did not notify me and seems to be the same as Spring Leaf Financial XX/XX/2014 {$3100.00}. They never notified me. I reached out to them. This is not fair because Im living with my mom and cant get a mortgage
|
| 08/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I was provided the 10 day payoff amount and paid in full on XX/XX/2023 in the amount of {$6400.00} and cleared my bank account on XX/XX/2023. Now they are trying to get another day of interest of out me and not reporting my account paid in full.
|
| 07/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I obtained this debt due to XXXX. The collection status was deleted from my report months ago and now its showing again. This is unfair credit reporting practices under federal law. I am a XXXX XXXX and the practices demonstrated are not legal.
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Loss of job, house, and wages due to COVID- 19, Since then I have been declared XXXX XXXX XXXX and now I am on a set income from the government and deemed totally XXXX. This account is not reporting correctly The balance should be XXXX not XXXX
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies.
- OneMain Financial - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX.
On XX/XX/2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX.
|
| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are several inquiries on my report that I do not recognize. I am certain this is fraud related as I have already put a security freeze on one of my reports from the credit bureau in hopes to stop this from happening over and over again
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have an inquiry on my credit XX/XX/2023 that I did not authorize. I've submitted a letter to all credit bureaus and the company requesting proof of this inquiry so I could file a formal police report and still have not received anything.
|
| 12/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
On Wednesday XX/XX/2021 I received a threat to contact my employer from an agent employed by One Main financial. She verbally stated that the company had me in a call cue and contacted everyday for XXXX weeks straight. This is harassment.
|
| 08/03/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
This company called multiple times daily. They talked about my debt with who ever answered the phone. They tried to make me give them post dated checks.i were rude to my girl friend. They forced me into filing bankruptcy to stop the calls
|
| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
|
| 10/15/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Problem with customer service
|
|
Web |
|
|
I took a loan out with one main financial for XXXX and I signed up that if u lost your job u didnt have to make payments for a year and of course after 2 payments I lost my job but they still sent me to collections I'm still without a job
|
| 11/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Harassment, One Main has been calling me several times in a row while trying to work one day they called over 7 times which violates the telephone phone act of how many times a debt collector can contact you in a day pertaining to a debt
|
| 08/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a loan on my car and car needed to be traded for a new car. So i took a new loan for the title. I only owed XXXX and they gave me XXXX. Now my balance is XXXX. The are ripping me off. Can you please help me resolve this issue.
|
| 08/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
There two inquiry on my credit report that I dont recognize or wasnt made by me.
Member ID XXXX Company XXXX XXXX personal loan companies XXXX. XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ut XXXX
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve.
They are : XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 Onemain Financial, by XXXX on XX/XX/2022
|
| 06/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
There are insurance that I've been paying for since 2020. i requested paperwork, to review. The company is being very aggressive, rude and harassing about payments. Unnecessary aggression over the phone. The payment isn't even due yet.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
One Main Financial is reporting an erroneous account that they are unable to validate through numerous requests. I demand removal of this questionable collection account that is being reported to XXXX, XXXX, and XXXX.
ONEMAIN FI XXXX
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The negative items in my file have been updated due to the CFPB breach and this is a violation of code 1681 I. Please remove the following items. XXXX XXXX late pay, One Main Financial account that says its in collections. Thank you
|
| 06/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
Servicemember |
|
Onemain Financial told me I was approved for multiples loans, then after I gave them my info they denied me and sent my info to a bunch of subprime money lenders who want to give me 130 % APRs Now im being barraged by these scammers.
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Reached out and told them I did not want a loan nor have I applied for one. I saw they ran a credit check which hurt my score but I have not asked them to and its happen more than once and I need this to stop and my score to be fixed
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was looking at my credit report and seen that I didnt approve nobody check credit and I havent been on website. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont have a amount but its showing in my hard inquiries. Company name is XXXX XXXX
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until now.
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I called the credit reporting agencies on XX/XX/2023 and let them know the inquires and accounts in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them.
|
| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.
|
| 02/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX is trying to collect a debt for ONEMAIN FINANCIAL GXXXX XXXX that was written off and a 1099c issued by Onemain financial. XXXX XXXX is reporting the debt incorrectly to XXXX XXXX and XXXX credit reporting agencys.
|
| 12/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
I received a loan from ONE MAIN FINANCIAL. They charged me outrageous fees and keep a continuous {$2.00} balance in my account and report me to credit bureau monthly although I paid in excess of 200 % of the original loan amount.
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. ONEMAIN FINANCIAL continued my application when I didn't process it from my phone.
|
| 01/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Car title loan amount {$20000.00}, monthly payment {$580.00} a month, this amount go to the principal of {$200.00}, and {$370.00} go to interest rate.
The financial agreement did not show the interest rate in the paper contract.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
|
| 05/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Older American |
|
Got laid off my job and the insurance would not cover the loan ..due to the fax having issue with unemployment moving from ny to Nc state a whole lot of red tapetried call on i bank for Assistance no help a bunch of run around.
|
| 12/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I've made several requests that this company stop contacting me. I keep getting emails from them which do not provide an option to " opt out ''. They also ran a credit check even though I had not completed the loan application.
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/2019, ONEMAIN add a hard inquiry on my credit report per XXXX.
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.
|
| 12/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
Applied for a loan online with One Main Financial. Went to physical location of lender to complete documents.
I have been making my payments on time but have been receiving harassing calls for me to sign additional documents.
|
| 03/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This lender overcharges me on the monthly interest. When I make my full payment they charged interest and they also charge interest on all subsequent payments made within the billing cycle. her is an example of the last month.
|
| 04/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
The account was paid in full via my bank and confirmed. However, they have send me a statement received today with the incorrect balance. Attempts to reach them useless. Zero balance PAID should be reflected on credit report.
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I spoke with a representative of this company and I was promised that the inquiries made on my credit reports would be removed from my credit reports from 2021. This company never honored their word and removed the inquiries.
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
i do not authorize inquiries for this companies, I have never sign writen authorization.
Inquiries have no repmissable purpose.
Ona Main Financials : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
|
| 05/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I requested debt validation from one main financial on an alleged debt on my credit report which includes a contract bearing signature on XX/XX/21. They sent me a letter response attached by not debt validation as requested.
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Hard inquiry into my credit without my permission. " OneMain Financial ''. On XXXXXXXX XXXX ; ref XXXX. I have not heard of this company, did not make any credit applications and I do not think this is a legitimate company.
|
| 10/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I attempted to obtain a consolidation loan on line and the company keeps asking and accepting money from me via bit coin and gift cards. I am due back over XXXX My loan manager is XXXX XXXX and his number is XXXX XXXX XXXX
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are six of them for each date of inquire on my credit report from OneMain Financial. They refused to remove it during XXXX of the month.
Action activity : XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22.
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
ONEMAIN is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021.
-Date of last payment is incorrect on all three credit bureaus.
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
One Main Financial of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for XX/XX/2020.
|
| 08/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I have a personal loan in the amount that has a balance of {$10000.00} I called in to pay off the loan and was given a payoff of {$12000.00}. I am being punished for paying it off early and that is in my opinion usury.
|
| 06/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account was settled in exchange for deletion of the negative account from my credit reports. Payment has since been submitted however account is still reporting on my credit reports which is severely harming my credit.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit was ran without my consent or by someone pretending to be me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I went on my credit report and I have some. Unauthorized hard inquiries that I did not authorize. I called the company they say they didn't see where I applied for any loans, but didn't take it off my credit report.
|
| 06/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Calling 3x a day to collect the monthly car loan. Calling 3x a day even when I am with the ten day grace period. I pay the bill every month at the same time but the calls are 3x a day even after asking them to stop.
|
| 01/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have asked previously for one main financial to stop calling me repeatedly. They have called me a total of 11 times in the last 3 days. They called me 5 times back to back last night at XXXX in a harassing manner.
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i check my credit report and i see unauuthorized inquirys for XXXX i file a ftc report they still want from them frm my report they are 3 of them 1.XXXX 2.XXXX XXXX 3.onemain 4.XXXX XXXX XXXX all dis was not me
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
They applied for a credit card and loans without my consent They stole my identity I did not authorize anything with my credit Thank God I saw a new request on my credit report and I called the bank and canceled it
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
I went to file for a loan. but when I look at why ot denied it says all my information is corrsct amd veriified except my name.. But it is correct so I got alot of inquiries saying my name was wrpng so I got denied
|
| 12/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
They are harassing me calling me 10+ times a week they call me 2 times a day and will not stop even after telling them they are harassing me. They retried a ach payment 4 times the allowed amount of re tries is 2.
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.
|
| 10/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX called someone and that person pretended to be my wife, which I am not married, and they gave them all of the information about my debt which is unauthorized, so that is a breach of private information.
|
| 07/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The company OneMain Financial has Close the account XX/XX/2017 now the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed
|
| 03/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute with XXXX Credit Bureau regarding Inquires on my credit report.
It has been well over 30 days and I have not received any investigation results from XXXX Credit Bureau, regarding the Inquires.
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There was a hard inquiry in XX/XX/2021 by One main Financial. It is due to my identity being stolen. I have called this institution, but can't get anyone to talk to. I am currently filing a police report as well.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is showing One Main Financial XXXX XXXX written off. This balance written off is incorrect as a settlement was reached and I paid {$4000.00} as agreed. Therefore, the amount written off should be XXXX XXXX
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me about XXXX XXXX XXXX XXXX, using different numbers. I am aware of my debt, but One Main Financial ( in XXXX XXXXXXXX XXXX ) can't be calling me XXXX times a XXXX. That is a flagrant XXXX violation.
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
one main has been paid and current and they refuse to update it as paid/current. Every 30 days im seeing that the account is not recording paid/current. This is a hinderance to my credit character and integrity
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My personal information has been compromised and someone is attempting to apply for credit using my information.
I have reported this to all three credit bureau 's but a fair resolution has not been provided.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Date - XX/XX/23 company - onemain financial issue : website states " wont affect credit score '' if you check your rates. They ended up doing a hard hit on my credit report and wont remove it.
website - XXXX
|
| 08/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
All of a sudden I have multiple inquiries that I did not authorize XXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently checked my credit report and saw that on XX/XX/2022 a company called " XXXX '' ran my credit report. This inquiry has caused my credit score to decrease and I fear my identity may have been stolen.
|
| 03/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Called my XXXX on XX/XX/2022 about my loan he said the I had owed them money from a loan that I had with them also they are calling all hours and the payment is not going to the principal just to the products
|
| 10/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I tried to tell them having trouble making payments. Gotten behind and paying what ever I can. They will call 6 to 10 a day. Blowing up my cell or calling my job. I have asked both to stop no use. Won't stop.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
This Company One Main Financial is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This account XXXX XXXX is fraudulent. Therefore it needs to be removed from all 3 credit bureaus. I also have 2 late payments that are reporting incorrectly. OneMain and XXXX XXXX. They need ti be updates.
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I sent letter out to the creditors and XXXX i Heard back from XXXX but none from the creditor XXXX said they cant remove it without a letter from the creditors but they want even respond back to my letters
|
| 05/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
I need to add to my old complaint, ( XXXX ) a advisable conflict, that the one main representative who prepared this predatory loan for me, is also the same personnel who prepares my income tax. Thank you.
|
| 01/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I got pre approved and was never informed in the advertisement that it was a title loan service and I would like the inquiry removed when I called the location as advised they where combative and careless.
|
| 06/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
|
| 12/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello, I am in serious need of help with some hard inquiries I would like to have removed due to the unauthorized and unverified inquiries placed on my report. Please get back to me as soon as you can.
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I contact XXXX XXXX to dispute one main off my credit report. because they're reporting that I made a payment in 2020 and I haven't made a payment on this account when I contact XXXX XXXX there no help
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.
|
| 09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are.
One Main : inquiry date is XX/XX/XXXX.
XXXX card : XX/XX/XXXX XXXX
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I didnt apply for credit for a car loan with any of these companies or give anyone my permission to run my credit as a hard inquiry. XXXX XXXX on XX/XX/23, Onemain XX/XX/23 and XXXX XXXX on XX/XX/23
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This should be properly investigated since I already made my repayment due to COVID for this account as agreed but this company keeps on charging fees which I never authorized and I was not informed.
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I lost my social security in 2018. Ive recently just received a new one. I have a lot of inquiries and a collection I do not recognize or gave permission. I would like them removed immediately please
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
Older American |
|
Credited a disputed unauthorized transaction but did not reverse two late fee 's and interest.
Also reported this account late to the credit bureaus on my account and my authorized users account.
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hard inquiries file on my credit reports have sent letters in that the inquires are incorrect and now filing a complaint XXXX it is affecting my credit and the ability for further future endeavors.
|
| 03/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have disputed the entire loan, and asked them not to report any adverse action as this loan has been paid in full by my open end credit plan. They have yet to respond to any of my correspondence.
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One main financial did an inquiry for a loan, I did not do the inquiry and also XXXX XXXX XXXX as well. Both I dont remember authorizing!
One main financial- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have 19 hard inquiries on my XXXX XXXX XXXX accounts & I did not give permission to these companies to access my credit report. I need for you all to remove all of these unauthorized inquiries.
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
I got a hard inquiry from Onemain Financial today that was not requested and their records show no inquiry but my credit score dropped XXXX points and shows a hard inquiry from them on XXXX XXXX.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX is reporting {$9800.00} written off from One Main Financial. This account is incorrect as a settlement agreement was reached and {$4000.00} was paid making the amount written of {$5800.00}.
|
| 06/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am the general executor and trustee of the XXXX XXXX XXXX estate/trust.
I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B I am requesting you send me the 1099-C.
|
| 12/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
OMF. OneMain Financial. Was not told that the payment would = XXXX the loan amount and the vehicle was loaned money against it and the value of the vehicle was half the loan value. I am a XXXX
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I noticed some fraudulent inquiries on my credit report I would like them removed XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ONEMAIN Inquiry : XXXX XXXX, XXXX
|
| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Delete this unconfirm inquiry lacking certifiable evidence unless physical certified verified proof is demonstrated per U.S code XXXX U.S.C $ XXXX SEQ. Section 604 of fair credit reporting act
|
| 05/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with OneMain. I have attached my W2, utility bill, and identity theft report.
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
This is wrong and whoever wrote that statement absolutely lied .... you have damage my credit and now you want to throw the rock and hide your hand ....
Please answer what's in attachments
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
One Main Financial Services has reported a loan on my credit report with incorrect information. The loan states that the loan was settled by me for a amount less than owed which is not true.
|
| 09/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020 I disputed this debt. I have never signed a contract with this company. I don't know who this company is. I have not done business with this company. I do not owe this company.
|
| 12/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have told them several times ( more than three ) that I cant accept calls during work hours. However they keep calling and interrupting my work day. I told them to call me after XXXX XXXX
|
| 10/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
XX/XX/2021, XX/XX/2021, XX/XX/2021 was reporting as past due during the pandemic and they stated that I would not get a late pay. They have the other months for this year showing correct.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
HAVE SOME INQUIRIES REPORTING THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT., I NEVER GAVE WRITTEN PERMISSION FOR THOSE INQUIRIES TO EVEN OCCUR AND THEY SHOULD BE REMOVED FROM MY CREDIT..
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account was resolved through litigation and paid in full. Litigation resolved in full. Requested OneMain Financial to update records correctly, OneMain has continued to ignore requests.
|
| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
My card was closed by mistake Im trying to get it reopened and I didnt want it closed.. I just apply and was approved And Im asking the bank to reopen this credit card thank you so much
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
One Main Finacial shows up on my credit report as a hard inquiry on XX/XX/XXXX and XX/XX/XXXX. When I called on XX/XX/XXXX XXXX, They have no recrod of me applying for a loan or credit.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These inquiries have been corrected on all bureaus except XXXX. These inquiries are not mine. Please remove them. The inquires I do have with XXXX are from active accounts ; not these.
|
| 07/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I filed bankruptcy on XX/XX/XXXX and the bankruptcy was granted on XX/XX/XXXX. I forwarded a copy to Onemain Financial but they continue to report the loan as late on my credit report.
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
One Main not authorized Any credit. At no time did I authorize a credit request. Iam looking into fraudulent activity. I want that inquire deleted. I did not sign no such authorization
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Information showing on my credit report I did not authorize. I am requesting that company provide verification that I in fact applied. I would like item removed from my credit report
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Always send pre-approval notes and when call or reach out run credit denied and unaware of things on report and it is affecting my score They say you are approved just to run credit
|
| 11/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
One Main Financial continues to report thats not mine that a judge ruled in XXXX XXXX as not my debt. They are continuing to harm my credit report and I would like the item removed.
|
| 08/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I was gave a civil summons even tho the debt is XXXX XXXX XXXX and I have been financial impacted by COVID XXXX I have tried to express this to the company and they can not help me
|
| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.
|
| 08/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In 2018 I was a victim of identity theft my identity was misused. Someone got apartments in my name and utilities in my name without my permission. I am requesting this be removed
|
| 05/10/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
One main financial support on telling me false advertising. It is on my credit report. XXXX XXXX never wanted and XXXX on my credit report. I called told them I didn't want that.
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Said I apply for a loan and I did not and not it has effect my credit score. I give no permission to to run my credit
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
One Main Finacial is checking and pulling my credit report without my consent. I want to file a law suit against One Main Finacial to pull my credit report without my knowledge.
|
| 07/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
The company contacted my family member and discussed my debt. I have a text message from an non blood related uncle discussing my account number and balance and pay off options.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have hard inquiries on my credit report that I dont recognize that I never seen before I didnt authorize anyone to pull my credit report and is affecting my credit negatively
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There was a co-sign for someone in XXXX. I was attempting to buy a second home and paid the remaining XXXX for a loan I did not approve. There are negative marks on my credit.
|
| 09/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Received letter stating previous letter was sent ... .I deny such allegations. Also they are attempting to collect for an item that is not being reported on my credit reports.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These hard inquires were done on my credit reports without my authority.
XXXX XXXX XXXX XXXX ONEMAIN XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been a victim of identity theft I have police report to confirmed I was incarcerated the time of the opening.these items is effecting me and I ask they be removed asap
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This was charged off in XX/XX/2019 for {$20000.00} and reported to the Internal Revenue Service as income. My income should not be reporte4d by the Credit bureaus. Please rm
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/23 I received an alert for application on credit report. I didnt apply for XXXX XXXX I only did the prequalified application which shouldnt have affect my credit score
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One Main continues to call and harrass me. Fraudulent access to my credit file.
never requested a loan. several inquiries on my credit report. spoke with XXXX. and XXXX. l
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX2021 One Main Financial ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
XXXX XXXXXXXX and XX/XX/ credit inquiries, along with ( 2 ) {$5.00} transactions in XXXX and XX/XX/ in my bank account. I had called and emailed them and I got no response
|
| 06/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have been paying this loan for a year. When I first got the loan they never said majority of the loan was going else where. The loan is basically still in the same spot.
|
| 06/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
When I needed to refinance my loan, they made me get additional {$500.00} added to my loan. One Main Financial stated that that was the only way to refinance my auto loan.
|
| 06/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
This information has lead to consent credit inquiries on my credit score causing a decrease in my credit scores due to constant inquires from XX/XX/XXXX until XX/XX/XXXX.
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
I have several inquiries from One main financial I didnt authorize. I have one from XXXX XXXX I didnt authorize and one from XXXX XXXX XXXX that is unauthorized as well
|
| 04/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX has Called before XXXX and after XXXX sometimes 3 or 5 a day. I have been threatened that the account would go into collections and my vehicles would be repossessed.
|
| 02/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Complaint regarding Defamation, Fraud, Deceitful Business Practices has happen to me , where someone has tried to open credit cards, loans , please remove , help , fraud.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have fallen victim to identity theft due to the 2017 XXXX breach. This has taken a toll on my mental heath and it has caused me a great deal of frustration and anxiety.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had this company on my credit report, I contact them via phone and it was nothing that they can do about it. I was told to contact XXXX to have it taken off my report.
|
| 01/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
According to section 15 US C 1666b- timing of payments Section 15 US C 1681bXXXX are not allowed to furnish anything on ones credit report without person written consent
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was looking at my credit report recently and I noticed a lot of fraudulent credit inquiries on my credit report such as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX One Main.
|
| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
They made it seem like I had to have an add on benefit that they offered or things could potentially get bad as in the interest rate going up, or my payments going up.
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I pulled may once a year free credit report and I see an inquiry that I am not familiar with. This inquiry is fraudulent and unauthorized and differently unacceptable.
|
| 07/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
they call repeatedlu everyday in the morning i blocked their number and it worked a couple of days but now they are somehow getting past the block XXXX some software.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I found two requests for a credit report from two different companies on my account. One which I don't recognize, and one from a bank I haven't used in over a decade.
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
XX/XX/2023 a fraud credit inquiry that I did not do at all I did not nor have I applied for student loan through this company suspected fraud- personal identity theft
|
| 07/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Requesting audit trail ( accounting, file, ledger and transactional history ) notarized by an accountant for consumer credit transaction that occurred on XX/XX/2021.
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One main financial is on my credit inquiries four times for XX/XX/2021 I have never applied for this company and why would they have four inquiries at the same time
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this account.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
|
| 09/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015
|
| 07/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Onemain Financial is billing me for a XXXX $ loan that I never received, I never received the loan proceeds but they are stating that I still owe the full amount.
|
| 10/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have been paying but interest seem too high I started aXXXX almost 2 years ago still owe XXXX and Im only one payment behind something just doesnt seem right
|
| 11/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I was overcharged for fees and interest. It will take me 6 or 7 years to repay this loan. Didnt know that until after I had signed the agreement. Cancel my loan
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
One main financial is reporting an Inquiry on XX/XX/2023 that i did not authorize on my XXXX credit report. It needs to be removed as it is affecting my credit.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
One main financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason : unspecified Duration : this inquiry is scheduled on record until XX/XX/XXXX XXXX
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me XXXX XXXX, XXXX XX/XX/2020 ONEMAIN XX/XX/2020 ONEMAIN XX/XX/2020
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft due to the XXXX data breach XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$830.00} - XX/XX/XXXX ONEMAIN XX/XX/XXXX
|
| 02/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
They have repeatedly called my father about my debt and even threatened to sue him although he has nothing to do with my debt. This threat happened on XX/XX/21.
|
| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
This was fraudulent activity due to my personal belongings being stolen I tried to let them know but I never got a response somehow someone hack my information
|
| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are fraudulent inquiries from XXXX XXXX in XXXX XXXX XXXX XXXX And XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX On XXXX XXXX
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One main financial have XXXX my credit reports XXXX times and i only replied once and I asked the to repeatedly take them off. They are set as hard inquiries
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have sent multiple ftc reports in XXXX XXXX along with id and they refuse to accept it as id and process the ftc reports even after providing personal info
|
| 07/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
They told me go buy a XXXX card and put XXXX dollar and send it i did then they told me I have to send XXXX more for bank fee.. Can I get my XXXX dollar back
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
|
| 03/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards of the incorrect items on my credit report and it has been well over 30 days. And I have not received any investigation results.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I files a dispute in regards to the incorrect items on my credit report and its has been well over 30 days and I have not received and investigation results.
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Inquiry from OneMain Financial on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
|
| 02/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid debt in full already previously. Company is continues to indicate to credit bureaus that the debt is unpaid and still claiming continued late payments.
|
| 11/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
|
| 11/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
|
| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
The insurance company paid off what the vehicle was worth and they also made me take out coverage that I didnt asked for said I had to do it to be approved
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
|
| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
It's about the One main financial loan longgroup alone put on a couple times. Understand the whole talk about my problem but there wasn't thing I could do
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Fraudulent inquiries on my XXXX credit report XXXX XXXX XXXX inquired XX/XX/XXXX ONEMAIN FINANCIAL inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XX/XX/XXXX
|
| 05/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
O XX/XX/XXXX I was notified via XXXX credit monitor that 1 main financial had reported a hard inquiry on my credit report that i did not authorized horise
|
| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Bankruptcy filed XX/XX/2019 discharge XXXX XXXX.since then i constantly have to dispute what was in my bankruptcy it never went away an ruining my credit.
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not authorize nor did I benefit from the inquiry listed below. Block and remove it from my consumer report.
One Main Financial - XX/XX/2XXXX XXXX
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
|
| 09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
i have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i have not received any investigation results
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I haven't received my investigation results.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
|
| 05/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any investigation results.
|
| 11/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.
|
| 08/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
As of today XXXX is requiring a code to apply which violates the FCRA law.
They require a code to apply but did not require it for another individual.
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I havent received any investigation results.
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a hard inquire in my credit from one main financial that I did not authorize. I did authorize one on a previous day, but not on XX/XX/2021 XXXX
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Companies did a credit inquiry of my credit without my authorization. I contacted companies and they advised me to contact credit reporting agencies.
|
| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
9 inquires on my credit was not authorized. I tried to resolve the issue with XXXX and the company, but the inquires have not been resolved properly
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized hard inquiries from : One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX XXXX XXXX and they recommended to file this complaint here
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't any investigation results.
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to inaccurate items on my credit report. It's been well over 30 days and I haven't received any investigation results.
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards incorrect items on my credit report. it's been well over 30 day and I still haven't receive any investigation results.
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/2022 I received a email from XXXX XXXXXXXX saying I applied for a loan in which I have not please remove this inquiry off of my credit report
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There is a hard credit on my report from One Main Financial. I have not tried to get a loan with them and they have no business checking my credit.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Old account it been ten years on old account where they keep updated after 7 year it supposed to be remove I tried many time disputes these account
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It a fraud I dont k ow this people never took anything from them or borrow anything from them I do t understand how this spear to my credit report
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
|
| 08/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The agent of One Main violated of 10 XXXX tactics in debt collecting. The management and other department have refused to address my complaint.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I did not authorize any of those companies to Run my Credit. Below you will see the attachments of all inquiries that I will like of my Credit.
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2023 I noticed two hard inquiries on my account that I do not recognize nor did I authorized.
XXXX. One Main Financial XXXX. XXXX XXXX
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have an inquiry from One Main Financial on XX/XX/2022 that I do not recognize and did not authorize. It negatively affected my credit score.
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Rate shopping within a certain time frame is improperly reflected as multiple hard inquiries.
I do not recognize all of these hard inquiries.
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I do not have no knowledge of these inquiries these hard inquiries involve identify theft that has to be removed no more then 4 business days
|
| 09/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I was told to purchase an add on product for my title loan at One Main but when I tried to optimize the service I was told I couldnt use it.
|
| 03/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
There is a long list of complaints with CFPB I have submitted about this case.
They keep calling!!
SEE ATTACHMENT SECTION for explanation.
|
| 03/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
foreigner pretending to be One Main Financial sent text the person offered {$10000.00} they already had my banking info and ssn. number XXXX
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
One main finanacial is reporting the incorrect balance on my credit report. This needs to be updated and showing that it is piad as agreed.
|
| 07/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I told them I was working with a debt consolidation company, and they still keep on harassing me about the loan I owe at work and at home.
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I and my son have the same names and this sometimes causes errors in my credit report because financial movements not made by me appear.
|
| 02/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 09/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 09/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 08/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I worked payment arrangement out with the company and wasn't suppose to receive a 30 day late. XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX.
|
| 06/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
They didn't give me a full refund after my cars got pay off with the company, such as extra things I had to get when I got the loan..
|
| 02/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
The personal loan was applied for without my consent.
ONE MAIN FINANCIAL XX/XX/2022 Please remove this inquiry as soon as possible.
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022 an unauthorized inquiry was submitted without my knowledge. I'm requesting to remove this hard inquiry from my report.
|
| 11/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I applied for a loan, and recently applied for an refinancing loan, so there are XXXX inquiries from XXXX XXXX on my Credit Report.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I knew about Onemain to pull my credit report one time but not the two other times I saw that it was reported three times in a row
|
| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022 my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person.
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am showing recent hard inquiries that I am not familiar with.I believe someone may have made these inquiries without my consent.
|
| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One main financial posted three hard inquiries on my credit that I did not authorize. I've tried to fix it with XXXX to no avail.
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Account does not belong to me, called fraud department they sent me forms and I filled them out and still not response or action.
|
| 02/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
|
| 11/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX is reporting inaccurate, fraudulent inquiries. I have no knowledge of a company I have never had any association with them.
|
| 09/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Excessive calling on the loan 5 times a day even if it is 2 days late. Calls before XXXX XXXX. I am generally in good standing.
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2021 I have no knowledge of this account or whatever it is and contacted this company and it has no info on this account.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit was pulled by this company that i have never spoken to before nor have any business with.
Credit pulled on XX/XX/21.
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
One main is reporting on my account this account isnt mine I need removed from my profile asap Account number : one main XXXX
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have no knowledge of the credit inquiries nor did I give anyone permission to run my information at any of these companies.
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/2022 DID NOT GIVE PERMISSION TO ACCESS MY CONSUMER REPORT NOR DID I GIVE THEM CONSENT TO ADD INACCURATE INFORMATION TO.
|
| 07/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Company has been calling me all day and late at night around XXXX and XXXX harrasing me for payment during the Covid disaster
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have sent letters to dispute items on my consumer report to XXXX, XXXX, AND XXXX, the investigation took well over 30 days
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Im a victim of identity theft and I have multiple hard inquiries for accounts I do know have and not aware of applying for
|
| 08/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was informed of dept collection attempt by phone on several occasions for months. I do not recognize the personal loan.
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was a victim of identity theft and I have numerous inquiries for companies that I did not apply to on my credit report.
|
| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX and XX/XX/XXXX is reported a inquiry on my credit from One Main I did not apply for a Personal loan with them.
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
An inquiry is reported on all three of my credit bureaus and I did not consent to this company pulling my credit report.
|
| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report, and it has definitely been well over XXXX days.
|
| 03/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I'm trying to get a credit line set up and I would like the opportunity to borrow XXXX so I can establish credit score.
|
| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
OneMain Financial, XXXX XXXX XXXX, XXXX, Ohio XXXX.
( XXXX ) XXXX please remove the hard inquiry off my credit report
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One Main ran a inquiry on my credit report XX/XX/2022. However I did not approve this nor was a application completed.
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One main financial wanted to see my credit report and told me it wouldn't be a hard inquiry and it was a hard inquiry.
|
| 04/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My bill is due on the XXXX of each month. On the XXXX, they start calling me at least 4 or 5 times a day, every day.
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX and XX/XX/XXXX I received a credit alert that one made financial put a hard inquiry on my credit report
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Without consent lenders are reporting information on my behalf. Inquiries are reporting on my report I dont recognize
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hard inquiry submitted by the following companies without knowledge.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 10/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
|
| 04/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This credit inquiry is unauthorized and need to be removed immediately Onemain financial inquiry from XX/XX/2020 2020
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Onemain Financial has 2 unauthorized credit inquiries on my XXXX credit report. I did not authorize these inquiries.
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Onemain financial is reporting that I have a balance remaining my check was garnished account has been paid in full.
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have reached out to the 3 major credit bureaus to take off inquiries and reporting miss information on my credit.
|
| 08/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
One Main please provide me with correct validation of this account XXXX. I have attached a debt validation letter.
|
| 09/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Did not give permission for Hard inquiry. Please remove now.
XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 2022
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have multiple unauthorized hard inquiries on my credit report.
I dont know if my information is being stolen.
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I contacted company about the false reporting and was told it would be handled but remains in my consumer report
|
| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
OneMain Financial i never did anything with that I don't know why its popping up on my credit as hard inquiries
|
| 08/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
company debited my account when i asked them to stop and because they already received payment for that month.
|
| 06/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
One Main Financial contacted me XXXX times yesterday. Then today they contacted me XXXX times in under XXXX.
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
ONEMAIN FINANCIAL ( Finance ) - XX/XX/2021 I did not authorize this hard inquiry that is on my credit report.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not my account. I would like this fraudulent account to be removed from my credit report. Thank you.
|
| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
When I applied with XXXX they said it would be a soft pull so this was a manipulation tactic and un ethical
|
| 12/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have no clue where this debt came from this debt is not mines i need this debt remove as soon as possible
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of Identity theft there are numerous accounts on my credit reports that does not belong to me
|
| 08/25/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Problem with customer service
|
|
Web |
|
|
This company was very rude and did not assist in expediting my refund in a reasonable manner. Please assist
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Several UN-authorized inquiries and accounts appeared on my credit report without my knowledge or consent.
|
| 02/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The debt was not mine. I did not sign any loan agreement with this company at all. The debt is fraudulent.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
The company has charged off and closed the account back in 2020 and reopened it, and charged it off again.
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These companies are not authorized by me to run the credit. do not authorize these inquiries on my credit.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX had repeatedly failed to properly investigate Onemain financial and XXXX XXXX inquiries on my credit.
|
| 07/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
States that I had been issued a credit card. I do not have a credit card nor have I ever applied for one.
|
| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I was approved for loan online when I called they denied my request mean while my credit took a hard hit
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently check my credit report and there were several unauthorize hard inquires on my credit report.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
i have closed this account with talking to company and settled. but its still showing i am owing amount
|
| 08/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I've noticed multiple loans and credit card companies on my credit report that I have no knowledge of.
|
| 06/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied and was denied a loan XX/XX/2021 from OneMain ( violations of 15 USC 1611 and 15 USC 1691 ).
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was a victim of identity theft and I want the Inquiry removed from my credit report with XXXX ASAP.
|
| 01/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
ONEMAIN FINANCIAL AND XXXX ACCESSED MY CREDIT WITHOUT MY PERMISSION TO SELL ME FINANCIAL INSTRUMENTS.
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have not consented One Main to access my credit. However, there is an inquiry reporting from them.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
One main financial put an inquiry on my XXXX consumer report when I did ask them to check my credit.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I noticed an unauthorized hard inquiry on my credit report from a company called Onemain Financial.
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Onemain financial has a inquiry on my report on XX/XX/2022 which I didnt authorize or was aware of.
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
One Main Financial did 2 hard credit inquiries on XX/XX/20. Only gave permission to run credit once
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Those inquiries were not Authorized and Customer services representative were not capable to help.
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
A hard inquiry was reported on my account which I didn't apply for credit with one-main financial.
|
| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Company misused my information and I have been receiving harrassing phone calls on their behalf. I
|
| 12/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I sent an email to the company requesting that they do not call my job and they are still calling.
|
| 10/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Took a loan paid off in 30 days was charged XXXX dollars in interest. On an annual loan of 29.54 %
|
| 05/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have last my Wallet and someone hacked my social Security. Used my social security number online
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
One main is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hard inquiries from one main financial and I had no knowledge of applying for anything threw them
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received unauthorized and unverified inquires on my credit report that I did not give access to
|
| 06/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Contacted them many times but they are not picking the calls and not responding to my voicemails.
|
| 11/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I havent applied for any credit w/ one main financial, it has caused derogatory impact on my cret
|
| 10/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
|
One main financial pulled my credit report I dont know why I did not verify this. This is fraud.
|
| 04/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated calls all thru the day for months..im a XXXX XXXX and this has really XXXX times for me
|
| 02/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2020 I paid all my Debts off and this company will not remove it from my credit report.
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
one main financial has looked at my XXXX and XXXX credit reports!! These are not my inquiries!
|
| 09/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I want to the original contract if my loan provided or this to be removed off my credit profile
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone is using my identity. There are many accounts on my profile which do not belong to me.
|
| 11/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have an inquiry from One Main financial and i did not request any credit from their company.
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I want the hard inquiries deleted cause I did not authorize these companies to run my credit
|
| 01/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They are reporting incorrectly on my credit report dates mismatched especially. Paid in full
|
| 10/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Obtaining loan from onemain from the dealership and was denied but still on my credit report
|
| 10/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Was led to XXXX by One Main employee that the life insurance was required to get the loan.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX, I
had three inquiries that I did not approve. XXXX XXXX Onemain Financial XXXX
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone has used my personal information to open accounts in my name without my knowledge.
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
XXXX 2 years ago OneMain did a hard pull on my credit and it is still on my credit report.
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
These companies all have fraudulently accessed my credit report without my signed consent.
|
| 10/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a hard inquiry on my credit report from OneMain financial that I did not authorize
|
| 08/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2020 not sure of the amount ive tried to dispute this matter with the credit bureau
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.
|
| 09/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I made the payment a month early, and was charged {$5.00} a day I career for late fees.
|
| 08/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I applied for a XXXX I applied for a XXXX loan I was denied because of my credit report
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was a victim of this data breach and I would for this account be deleted immediately
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One Main Financial pulled a copy of my credit report on XX/XX/2021 without my consent.
|
| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I noticed unauthorized inquiries on my credit report. someone else applied in my name.
|
| 06/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and opened many accounts without my permission or authority.
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
One main account opened fraudulently in my name on XX/XX/2020 balance of {$18000.00}
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I want these inquiries deleted I did not authorize these companies to run my credit
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have inquiries on my credit report that are not of me and Im trying to buy a home
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are inquiries on my report I do Not recognize. I did Not authorize inquiries.
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
One main keep reprting a old address to XXXX that i do not live at please delete it
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone open an credit card in my name and its on my credit report and made it bad
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX has reported an inquire that i do not recognize! Need it to be removed.
|
| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
One main financial I paid the balance of XXXX on XX/XX/2022 balance paid in full.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are several inquiries on my credict report that was not submitted by me!!
|
| 11/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This company calls me multiple times daily, once even interrupting me at work.
|
| 03/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Older American |
|
Attached is a write up of the issue. I'm not sure if I have a case. Thank you.
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2022 i contacted each bank that showed on my report i did not apply for
|
| 07/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
These people have called me five times today, two times in less than a hour.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are hard inquires ON ALL OF MY CREDIT REPORTS That I never authorized
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company reported hard inquiries that dont belong on my credit report.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Im not sure why this hard inquiry is on my report. I never requested this.
|
| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
One Main Financial charged too much interest and added on extra insurance
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hard inquiries that I would like to please remove from my credit report.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not apply for this loan! This is not my account or something I did
|
| 05/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
NEVER APPLIED FOR LOAN BUT ITS ON MY CREDIT MAY BE DUE TO IDENTITY THEFT
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized hard inquiry on my credit report from the companies below.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/2020 Inquiry on report Title 15 1681b Did Not have my permission.
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I Have a hard inquiry on my report from a company I did not apply for.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
one main said they updated my address but XXXX still havnt updated it
|
| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I had a hard inquiry from one main financial. I did not authorize this
|
| 10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have reached out to all of these company 's and they will not help.
|
| 07/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
i mail them the law and they still trying to collect money each month
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Several date on credit report have inquires that I didnt not approve
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have seen inquiries from companies that I dont know nothing about.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I go on my credit report and I see inquiries that I dont recognize
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Reached out via Credit Bureaus to advise of the non-authorization.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
there are several inquiries on my report not done by me all fraud
|
| 03/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
i want to remove for my credi report i or ready pay for this loan
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a credit inquiry from onemein financial that I didnt make
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
XXXX I did NOT give permission for a hard inquiry on my report.
|
| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have many inquiries at my credit report, I dont recognize it
|
| 03/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My vehicle repossessed and I wasnt 60 days behind on payment.
|
| 09/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit has been pulled fraudulently. Please remove inquiry
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I disputed this company no knowledge of who this company is.
|
| 08/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The response was do to my late payment the interest went up
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have an inquiry on my account its from one main financial
|
| 12/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is not my account I have contacted them multiple times
|
| 11/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
They refused to remove the items that I didnt Authorize
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company is reporting a inquiry that I did not do.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
There are unauthorized businesses on my credit report.
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hard Inqury on my XXXX I do not have a loan with them.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize these companies to run my credit.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone used my credit to try and untain a auto loan
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The company use my information without my permission
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I didnt not authorize this company to run my credit.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Operating a police report I provided a police report
|
| 02/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Submitted coupons/remittance process and was denied.
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
identity theft of several items on my credit report
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
One main-XXXX-hard inquiry that I never did myself
|
| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX I tried to have them remove them XXXX I tried
|
| 11/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I didn't give any one permission to run my credit
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have unauthorized inquiries in my credit report
|
| 11/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
Harassing phone calls repeating every minute.
|
| 11/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ACCOUNT NAME : ONEMAIN ACCOUNT NUMBER : XXXX
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized inquiries on my credit report.
|
| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Credit inquiries without consumer consent.
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Unauthorized inquiry to my consumer report
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My credit was used without my permission.
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Onemain inquiry- no knowledge of this
|
| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize this credit pull
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
Servicemember |
|
I dont know the company its fraud
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Never opened account with OneMain
|
| 06/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
Hard inquiry on my credit report
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
RAN CREDIT WITHOUT PERMISSION
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Im not aware of this inquiry
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Inquiries I don't recognize
|
| 12/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My complaints were ignored!
|
| 09/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts was not removed
|
| 03/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Consent not provided.
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is useless
|
| 02/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 02/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
|
| 02/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 01/31/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
Older American, Servicemember |
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
Older American |
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/25/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
|
| 01/25/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
Older American |
|
|
| 01/24/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Pawn loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American, Servicemember |
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Other advances of future income
|
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt or credit management
- Debt settlement
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Pawn loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
Older American, Servicemember |
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
Servicemember |
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
Servicemember |
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
|
Web |
Older American, Servicemember |
|
|
| 01/19/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Postal mail |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Phone |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|