ONEMAIN FINANCIAL HOLDINGS, LLC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 875XX	Web
I first started our complaint on, on XX/XX/2018 but I was informed by the CFPB, that I have to submit a, " New Compliant '' for each and every credit bureau company as well as with the companies being that this is a, " JOINT ACCOUNT '' as we have our own credit reports showning different information. " Most of all the errors occured under Co-Applicant Name as I had had a pior, " Individual account which shoud have been closed yet it wasn't when my husband and I applied for the, " New Joint Account! '' So, our complaint is one and the same only difference is you will notice on all the information I gathered for your investigation that again most all, " Illegal and very fraudulent account appear on Co-Applicant 's Credit Report and for these reasons we had no idea where exactly our monthly auto-pay was going as the amount on the Joint Account was not being deducted as it should have been. " But it is, " One and the same account! '' I am sorry that this is so very confusing but I am doing my best to explain it. ( One other very important fact is as I was researching all the illegally opened and closed account and even the Joint Account, " I noticed even more errors in how they processed the account as it was not done correctly at all! '' These companies should be able to find these errors I was able to! This " Complaint '' is for my husband who is the main signer on the, " Joint Account '' where we thought we were paying every month but this was not the case at all! If both companies take the time to investigate, they will see that the monthly payments were not being applied or deducted correctly. " This is something that is a major concern for my husband and I as our names and social security numbers were more than likely used for those illegal opened and closed loans! And, the fact being that we only took out two loans. One being an, " Indiviual Account. '' and one being a " Joint Account! '' So even though that on my husband credit reports you will only see the, " Joint Account '' all the errors and payments were being applied elsewhere as we were not seeing our balance decrease and that is why I started investigating and calling the companies! All errors seem to be reporting on Co-Applicant 's Credit Reports! ( This is so very confusing! ) We never applied for any of those other loans. We are unable to provide exact dates because I have been dealing with two seperate companies that are some how still tied to each other as one sold their company to the other but never, " Closed '' their loan contract so I am showing the, " Old & the New Joint Loan '' as if it were two loans. It is very confusing and not even these companies could figure out how to fix this mess! These companies have committed illegal activities. REPORTING BILLING ERRORS WITH ILLEGAL/FRAUDULENT ACTIVIIES BY CREDITORS : ONE MAIN FINANCIAL & ONE MAIN RE : Illegal/fraudulent Loan ( s ) Loan Accounts are grossly incorrect on both, Old and New Accounts. Disputed both One Main Financial & XXXX XXXX XXXX as numerous accounts have been opened and closed that were not approved by US the Consumers. Plus, Old Loan information that should have been CLOSED is still OPEN and billing my bank account! The same thing is happening with the newest account which is Joint Account One Main Financial and XXXX XXXX XXXX XXXX Companies are and have been violating our rights under the, Federal Trade Commission Lending Laws It is illegal to be billing us for accounts in which they all have different accounts numbers, with different amounts due, and an account that should have been closed when we entered into a, Joint Loan Contract but they did not close it and continued to report this information to the Credit Bureaus! Other accounts have been, Opened and Closed without our consent or Loan Agreements with both One Main Financial and One Main. These illegal and fraudulent, Open and Closed Accounts show dates that were not applied by my husband or myself, yet these companies continue to report them as if they were legal! All three, major credit bureaus are showing many different accounts and the billing errors that are being reported do not match or make any sense! XXXX XXXX, XXXX and XXXX all have numerous accounts that are listed as, Paid in Full, yet we never signed loan contacts for any of these accounts! It is quite illegal and fraudulent to conduct such business as there are many, many incorrect billing errors. Plus, the questions as to where our monthly payments are being applied to? After reaching out to both companies I finally decided it would be in our best interest to move forward in disputing these illegal loans with, XXXX XXXX, XXXX and XXXX so they can investigate and confirm that these illegal loans are not valid and need to be removed/deleted from our credit reports. So, to date we have disputed these, Illegal Opened and Closed Accounts and on my XXXX XXXX Credit Report, they investigated and confirmed this illegal information and they removed/deleted the account showing and on my husbands XXXX Credit Report they have removed and deleted all of the illegal accounts with these companies as they too investigated and confirmed these loans as fraudulent and grossly being reported as such. We will continue disputing with All three major credit bureaus, XXXX XXXX, XXXX and XXXX Credit Bureaus so that all illegal/fraudulent activities can be removed/deleted from our Credit Reports! Plus I had no other choice but to do a STOP PAYMENT with my Banking Institute as I had our payments set-up as, Automatic Payments withdrawn from our bank account on a monthly basis but we have no ideas where are payments are being applied to as the accounts are illegally reporting to the Credit Bureaus! It is a complete mess that not even these companies could give me any clear answers as to why this was going on in the first place. Also, being placed on both my husbands and my credit reports are many Inquires for loans that we know we did not do. I believe that on just my credit reports I have up to six or more inquiries from both companies. My husband 's is just as bad as mine on the Inquire Section of our credit reports. These need to be removed as well! One other very important issue that I would like to bring to the attention of Credit Financial Protection Bureau is that these companies do not explain clearly the terms of the loan agreement till after a person signs the loan contract. When I brought this to the attention the Loan Officer I expressed to her that had I fully understood the terms of these loan agreements, I would have never signed the loan contract! I feel certain information is withheld till after the fact! In fact, I even made a comment that I felt so very bad for our Elders who most are only XXXX-Speaking and they have a hard time understanding the English Language and the Office Manager agreed with me and said that she too felt bad for, Our Elders! Plus, these loan officers seem to rush through the loan process as they make you feel that they have other people waiting so a person does not get that full one on one time that is truly needed in these types of situations. My experience was far from professional as both times I met with the, Office Manager and Loan Officer, they both took telephone calls while working with me and they also tried to help other people apply for their loans at the same time! I was very dissatisfied with how these companies have trained their employees as it lacks professional respect! ( Informtion I copied from Credit Reports is stated below! ) Accounts Removed from XXXX XXXX Credit Report ONEMAIN - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. Between XX/XX/2018 and XX/XX/2018, your account with ONEMAIN was removed from your credit report. XXXX from XXXX Credit Report We noticed 1 change to your credit report. Updated Account Information ONEMAIN - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Consumer disputes - reinvestigation in progress. OUR INFORMATION CONTINUED HERE ; In submitting our complaint, being that it is a, " Joint Account '' yet I am still paying to the Oldest Company on my credit report so it makes it appears as their as two diffferent loans and we do not know were our monthly payments are being applied to as this is so very confusing. When I spoke to the companies they also did not have any ideas as how to answer my questions on what was going on and so I felt it best to reach out to all our Credit Bureaus and the Compaines using the CFPB! What I did realize is that is it quite illegal to open and close other loans that we never ever signed any legal loan documents to! They are all different on all the three major credit reports and it is a hugh mess! Also these companies repeatedly did hard checks on our credit reports that are in the " Inquires '' to the point that there are more than normal on both mine and my husband 's credit reports. ( Please Note : I do believe now that the main reason that the illegal reporting errors were mostly on ( Co-Applicant 's Credit Report ), is because there was a pior, " Individaul Account '' that should have been closed when we applied for the, " Joint Account! '' There is, " ONE MAJOR ERROR '' that these companies are overlooking and, " We are totally shocked at how negligent these two companies conducted and processed their business accounts. They should be able to find this illegal error as it is plain and clear and most illegal! We do not want to interfer with their investigation so I am not sure what to do with this new found information, but the employees need to seriously be trained on the legal libilities of their actions concerning finanical factors when assigning some one a new loan, that never, ever should have occurred in the first place. Because of the many illegal/fraudulent reporting errors, Our, " Joint Loan Contract '' is a " Breach of Contract '' under the, " The Federal Trade Commission Consumer Laws and also under the United Stated Disabled Individuals Act, that clearly states it is illegal to take advantage of those who are XXXX under the United States Laws.
08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 875XX	Web
I first started our complaint on, on XX/XX/2018 but I was informed by the CFPB, that I have to submit a, " New Compliant '' for each and every credit bureau company as well as with the companies being that this is a, " JOINT ACCOUNT '' as we have our own credit reports showning different information. " Most of all the errors occured under Co-Applicant 's Name as I had had a pior, " Individual account which shoud have been closed yet it wasn't when my husband and I applied for the, " New Joint Account! '' So, our complaint is one and the same only difference is you will notice on all the information I gathered for your investigation that again most all, " Illegal and very fraudulent account appear on Co-Applicant 's Credit Report and for these reasons we had no idea where exactly our monthly auto-pay was going as the amount on the Joint Account was not being deducted as it should have been. " But it is, " One and the same account! '' I am sorry that this is so very confusing but I am doing my best to explain it. ( One other very important fact is as I was researching all the illegally opened and closed account and even the Joint Account, " I noticed even more errors in how they processed the account as it was not done correctly at all! '' These companies should be able to find these errors I was able to! ( So this complaint is for my husband who is the main signer on the, " Joint Account '' where we thought we were paying every month but this was not the case at all! If both companies take the time to investigate, they will see that the monthly payments were not being applied or deducted correctly. " This is something that is a major concern for my husband and I as our names and social security numbers were more than likely used for those illegal opened and closed loans! And, the fact being that we only took out two loans. One being an, " Indiviual Account. '' and one being a " Joint Account! '' So even though that on my husband credit reports you will only see the, " Joint Account '' all the errors and payments were being applied elsewhere as we were not seeing our balance decrease and that is why I started investigating and calling the companies! All errors on again on Co-Applicates Credit Reports! ( This is so very confusing! ) We never applied for any of those other loans. We are unable to provide exact dates because I have been dealing with two seperate companies that are some how still tied to each other as one sold their company to the other but never, " Closed '' their loan contract so I am showing the, " Old & the New Joint Loan '' as if it were two loans. It is very confusing and not even these companies could figure out how to fix this mess! These companies have committed illegal activities. REPORTING BILLING ERRORS WITH ILLEGAL/FRAUDULENT ACTIVIIES BY CREDITORS : ONE MAIN FINANCIAL & ONE MAIN RE : Illegal/fraudulent Loan ( s ) Loan Accounts are grossly incorrect on both, Old and New Accounts. Disputed both One Main Financial & One Main Creditors as numerous accounts have been opened and closed that were not approved by US the Consumers. Plus, Old Loan information that should have been CLOSED is still OPEN and billing my bank account! The same thing is happening with the newest account which is Joint Account One Main Financial and One Main Loan Lending Companies are and have been violating our rights under the, Federal Trade Commission Lending Laws It is illegal to be billing us for accounts in which they all have different accounts numbers, with different amounts due, and an account that should have been closed when we entered into a, Joint Loan Contract but they did not close it and continued to report this information to the Credit Bureaus! Other accounts have been, Opened and Closed without our consent or Loan Agreements with both One Main Financial and One Main. These illegal and fraudulent, Open and Closed Accounts show dates that were not applied by my husband or myself, yet these companies continue to report them as if they were legal! All three, major credit bureaus are showing many different accounts and the billing errors that are being reported do not match or make any sense! XXXX XXXX, XXXX and XXXX all have numerous accounts that are listed as, Paid in Full, yet we never signed loan contacts for any of these accounts! It is quite illegal and fraudulent to conduct such business as there are many, many incorrect billing errors. Plus, the questions as to where our monthly payments are being applied to? After reaching out to both companies I finally decided it would be in our best interest to move forward in disputing these illegal loans with, XXXX XXXX, XXXX and XXXX so they can investigate and confirm that these illegal loans are not valid and need to be removed/deleted from our credit reports. So, to date we have disputed these, Illegal Opened and Closed Accounts and on my XXXX XXXX Credit Report, they investigated and confirmed this illegal information and they removed/deleted the account showing and on my husbands XXXX Credit Report they have removed and deleted all of the illegal accounts with these companies as they too investigated and confirmed these loans as fraudulent and grossly being reported as such. We will continue disputing with All three major credit bureaus, XXXX XXXX, XXXX and XXXX Credit Bureaus so that all illegal/fraudulent activities can be removed/deleted from our Credit Reports! Plus I had no other choice but to do a STOP PAYMENT with my Banking Institute as I had our payments set-up as, Automatic Payments withdrawn from our bank account on a monthly basis but we have no ideas where are payments are being applied to as the accounts are illegally reporting to the Credit Bureaus! It is a complete mess that not even these companies could give me any clear answers as to why this was going on in the first place. Also, being placed on both my husbands and my credit reports are many Inquires for loans that we know we did not do. I believe that on just my credit reports I have up to six or more inquiries from both companies. My husband 's is just as bad as mine on the Inquire Section of our credit reports. One other very important issue that I would like to bring to the attention of Credit Financial Protection Bureau is that these companies do not explain clearly the terms of the loan agreement till after a person signs the loan contract. When I brought this to the attention the Loan Officer I expressed to her that had I fully understood the terms of these loan agreements, I would have never signed the loan contract! I feel certain information is withheld till after the fact! In fact, I even made a comment that I felt so very bad for our Elders who most are only XXXX-Speaking and they have a hard time understanding the English Language and the Office Manager agreed with me and said that she too felt bad for, Our Elders! Plus, these loan officers seem to rush through the loan process as they make you feel that they have other people waiting so a person does not get that full one on one time that is truly needed in these types of situations. My experience was far from professional as both times I met with the, Office Manager and Loan Officer, they both took telephone calls while working with me and they also tried to help other people apply for their loans at the same time! I was very dissatisfied with how these companies have trained their employees as it lacks professional respect! ( This Information I copied directly from Credit Report Sites : Accounts Removed from XXXX XXXX Credit Report ONEMAIN - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. Between XX/XX/2018 and XX/XX/2018, your account with ONEMAIN was removed from your credit report. Information from Equifax Credit Report We noticed 1 change to your credit report. Updated Account Information ONEMAIN - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Consumer disputes - reinvestigation in progress. ) In submitting our complaint, being that it is a, " Joint Account '' yet I am still paying to the Oldest Company on my credit report so it makes it appears as their as two diffferent loans and we do not know were our monthly payments are being applied to as this is so very confusing. When I spoke to the companies they also did not have any ideas as how to answer my questions on what was going on and so I felt it best to reach out to all our Credit Bureaus and the Compaines using the CFPB! What I did realize is that is it quite illegal to open and close other loans that we never ever signed any legal loan documents to! They are all different on all the three major credit reports and it is a hugh mess! Also these companies repeatedly did hard checks on our credit reports that are in the " Inquires '' to the point that there are more than normal on both mine and my husband 's credit reports. ( Please Note : I do believe now that the main reason that the illegal reporting errors were mostly on ( Co-Applicant 's Credit Report ), is because there was a pror, " Individaul Account '' that should have been closed when we applied for the, " Joint Account! '' There is, " ONE MAJOR ERROR '' that these companies are overlooking and, " We are totally shocked at how negligent these two companies conducted and processed their business accounts. They should be able to find this illegal error as it is plain and clear and most illegal! We do not want to interfer with their investigation so I am not sure what to do with this new found information, but the employees need to seriously be trained on the legal libilities of their actions concerning finanical factors when assigning some one a new loan, that never, ever should have occurred in the first place. Because of the many illegal/fraudulent reporting errors, Our, " Joint Loan Contract '' is a " Breach of Contract '' under the, " The Federal Trade Commission Consumer Laws and also under the United Stated Disabled Individuals Act, that clearly states it is illegal to take advantage of those who are XXXX under the United States Laws.
09/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX XXXXX	Web
I've had at least 4 - 5 loans with Springleaf Financial which is now One Main Financial. I've never had any concerns about how they processing loans and they added the Disability and Unemployment loan by asking if I wanted it. Due to my credit score, I tried to use a Payday Loan to manage plumbing and electrical work in home but interest rate very high. On XX/XX/XXXX, I contacted One Main Financial for loan but was told the Underwriter stated I needed to use my car for collateral. Since the payday Loan had my title, I borrowed the money from my brother to pay it off to get my title. Once I received my title back, it was used on the One Main Loan.I wanted to add Disability and Unemployment Insurance to the loan but was denied. One Main told me I could not add because i was XXXX years old and didn't make sense. I started and researching the issue about XXXX years of age acquiring the insurance and left it alone. I called again about my account and offered an approved {$500.00} of course I accepted it. Later I wanted to consolidate my bills and they were very anxious to loan it to but wanted my other vehicle as collateral. I did not stop to weigh my options and banked on that so I asked again about adding the Disability and Unemployment Insurance and was denied. I was told because I am XXXX years old I could not add any Disability or Unemployment. I explained that I am XXXX years but still work to make ends meet. Now XXXX tells me we offer both insurances to everyone. I told not this time either time and continued to say we offer it to everyone. It made me feel he was saying I was being untruthful. All while explaining he would talk over me throughout the call until I said it is very rude to talk over someone. I'm not trying to be rude but you're not allowing me to convey my concerns. He got silent but sounds like a " Used Car Salesman '' when they're trying to sell something with a hidden price tag. When the last loan was created and settled, my due date changed back to the XXXX of the month so I call to ask why. She said they had to change the to XXXX XXXX but once I make the first payment they would change it. However, they did not change it so I had to move money around. Usually, I keep a {$200.00} Prepaid card at home for emergency so I immediately tried make my payment. Their website would not accept it for some reason so I did a XXXX XXXX and it further complicated things. Then the money was tied up with XXXX XXXX so I had to wait until funds were back on the card. I sent One Main Financial the tracking # and explained what happened. XXXX says we do not take XXXX XXXX but they have a CODE City with them. In a panic I sent it to the wrong Code City which caused the issue. I asked if they would change my due date back to XXXX and said they would change it once I made the payment. I made the payment but it wasn't changed. On XX/XX/XXXX, I spoke to XXXX - XXXX Manager to talk to I'm about refinance so I could remove my vehicles as collateral. I explained they told me I could call in to refinance to remove vehicles. There seems to be a disconnect with provided information because sound confused. I told him having put {$1000.00} 's of dollars into the vehicles, I would like to trade them in for another vehicles. I need the trade in amount to purchase another vehicle. XXXX told me I could see how much the trade in amount was and have them to mail the payment to One Main Financial. I told him that was defeating the purposes especially if One Main is getting the down payment. He says after the get the trade in money that would lower the amount and he could refinance that amount. It does not make sense to trade in both my vehicles and give One Main the funds to lower the balance to refinance ... .That means I would not have a vehicle at all. I told I was concern about One Main setting customers up to repo their vehicles which make me very nervous. He was more concern about who told me that or where I got it from. I would he would want to assure the customer that isn't happening. I repeated the " Repo '' vehicles several times and not one time did he assure me it wasn't true. I got off the phone even more uncomfortable, anxious and leery. I'm never late with my payments but the fact it is a strong possibility they will try it me is scary. These actions have to come from higher ups like a District Manager to sign off on. I did not have a 700 credit score but I did have at least a XXXX credit score. I asked him who makes the decision to offer a loan with or without collateral and was told the Underwriter for Loans. I'm beginning to think they are making the rules as they go and customers are suffering for it. I've had at least 4 - 5 loans with Springleaf Financial which is now One Main Financial. I've never had any concerns about how they processing loans and they added the Disability and Unemployment loan by asking if I wanted it. Due to my credit score, I tried to use a Payday Loan to manage plumbing and electrical work in home but interest rate very high. On XX/XX/XXXX, I contacted One Main Financial for loan but was told the Underwriter stated I needed to use my car for collateral. Since the payday Loan had my title, I borrowed the money from my brother to pay it off to get my title. Once I received my title back, it was used on the One Main Loan.I wanted to add Disability and Unemployment Insurance to the loan but was denied. One Main told me I could not add because i was XXXX years old and didn't make sense. I started and researching the issue about XXXX years of age acquiring the insurance and left it alone. I called again about my account and offered an approved {$500.00} of course I accepted it. Later I wanted to consolidate my bills and they were very anxious to loan it to but wanted my other vehicle as collateral. I did not stop to weigh my options and banked on that so I asked again about adding the Disability and Unemployment Insurance and was denied. I was told because I am XXXX years old I could not add any Disability or Unemployment. I explained that I am XXXX years but still work to make ends meet. Now XXXX tells me we offer both insurances to everyone. I was told not this time either time and continued to say we offer it to everyone. It made me feel he was saying I was being untruthful. All while explaining he would talk over me throughout the call until I said it is very rude to talk over someone. I'm not trying to be rude but you're not allowing me to convey my concerns. He got silent but sounds like a " Used Car Salesman '' when they're trying to sell something with a hidden price tag. When the last loan was created and settled, my due date changed back to the XXXX of the month so I call to ask why. She said they had to change the to XXXX XXXX but once I make the first payment they would change it. However, they did not change it so I had to move money around. Usually, I keep a {$200.00} Prepaid card at home for emergency so I immediately tried make my payment. Their website would not accept it for some reason so I did a western union and it further complicated things. Then the money was tied up with XXXX XXXX so I had to wait until funds were back on the card. I sent One Main Financial the tracking # and explained what happened. XXXX says we do not take XXXX XXXX but they have a CODE City with them. In a panic I sent it to the wrong Code City which caused the issue. I asked if they would change my due date back to XXXX and said they would change it once I made the payment. I made the payment but it wasn't changed. On XX/XX/XXXX, I spoke to XXXX - XXXX Manager to talk to I'm about refinance so I could remove my vehicles as collateral. I explained they told me I could call in to refinance to remove vehicles. There seems to be a disconnect with provided information because sound confused. I told him having put {$1000.00} 's of dollars into the vehicles, I would like to trade them in for another vehicles. I need the trade in amount to purchase another vehicle. XXXX told me I could see how much the trade in amount was and have them to mail the payment to One Main Financial. I told him that was defeating the purposes especially if One Main is getting the down payment. He says after the get the trade in money that would lower the amount and he could refinance that amount. It does not make sense to trade in both my vehicles and give One Main the funds to lower the balance to refinance ... .That means I would not have a vehicle at all. I did not understand why XXXX would through in face the credits they paid for me like he did me a favor. I told I was concern about One Main setting customers up to repo their vehicles which make me very nervous. He was more concern about who told me that or where I got it from. I would he would want to assure the customer that isn't happening. I repeated the " Repo '' vehicles several times and not one time did he assure me it wasn't true. I got off the phone even more uncomfortable, anxious and leery. I'm never late with my payments but the fact it is a strong possibility they will try it me is scary. These actions have to come from higher ups like a District Manager to sign off on. I did not have a 700 credit score but I did have at least a XXXX credit score. I asked him who makes the decision to offer a loan with or without collateral and was told the Underwriter for Loans. I'm beginning to think they are making the rules as they go and customers are suffering for it. It is almost as if they want all secured loans instead of providing loans on creditworthiness. I am TERRIFIED NOW! I don't know what they will do next to my loan. My interest rate should be 16 % not 24 % if they go according to my creditworthiness.
05/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75022	Web	Servicemember
Complaint against : One Main Financial & Debt CollectorXXXX XXXX, Attorney At Law, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX On XX/XX/XXXX, I noticed an error on my XXXX credit report. An erroneous bad debt was noted for One Main Financial for approximately {$8000.00}. I immediately submitted an online dispute of the charge and it was subsequently removed. I received no other notification at that point. XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX Debt relief attorneys offering their services for a " Register of Actions '' filed with the XXXX County, Texas Court with Judicial Officer XXXX XXXX. The " copy '' of the Register of Action referred to case no. XXXX. It stated it was Plaintiff 's Original Petition for Discovery and stated that I was cited, but unserved on XX/XX/XXXX. No additional information regarding my account was in this copy of the " action. '' The plaintiff attorney was listed as XXXX XXXX at the address above. Suspicious of the advertisement for XXXX 's services, but alarmed, I contacted the Plaintiff attorney listed as XXXX XXXX at ( XXXX ) XXXX. I provided the Case number on the document I received and was told no one could locate my information and I needed a " file number. '' I told them I had no file number, but that it was regarding a One Main Financial account. I made multiple attempts to reach a different person at their organization that could help me, to no avail. I provided my name and all other pertinent information. I SPECIFICALLY ASKED MULTIPLE TIMES FOR PROOF OF MY DEBT AND/OR A COPY OF THE LOAN AGREEMENT I SUPPOSEDLY SIGNED. They said they had no file for me. I thought it very suspicious that they were suing me, but could n't locate any information about me. I then called One Main Financial multiple times over the course of several days. I had an account in the past with them that was assumed by my former spouse as a part of our divorce settlement. My ex-wife had said that the account was paid off. I provided all of this information to the One Main Financial representative. She did find an account under my name, but said that they no longer had it and provided me the toll free number for the XXXX attorney. I asked her for a copy of the loan agreement for the loan with their company or a file number associated with my account. She said she could n't help me and to call the attorney. Alas, she could provide me no details about the account at all and simply referred me to the attorney. I contacted the attorney again who asked for my file number and said they could n't help me without it. At this point I assumed that this was not a valid attempt to collect a debt and that it must be a clerical issue. I based this on the fact that the disputed record was removed from my credit report with XXXX and neither One Main Financial or the collection attorney could provide me with any information or even show they had a record of my account. XX/XX/XXXX : At XXXX XXXX. a gentleman with no official identification or apparent association with any law enforcement or legal agency came to my home and " served '' me with a citation regarding Cause No. XXXX XXXX One Main Financial Group, LLC Vs. my name. The man represented himself only as a courier and none of the documentation I received identified him. The document had a handwritten date written and crossed out and then that date written in. The citation gave notice of a lawsuit filed with XXXX XXXX , County Clerk, XXXX, TX. XXXX XXXX XXXX XXXX XXXX. The notice lacked the official stamped seal and did n't look official and was not served to me in the manner expected of a legal notice. It stated that I have 20 days to respond to the discovery request on the front page, but says 50 days inside. Also, it states that exhibit A is a copy of a loan agreement. I was not provided with a copy of this document and, furthermore, I have requested it multiple times and was told it could n't be provided. I am aware of my rights to receive proof of this debt. Facts : I obtained a loan from One Main Financial approximately 8 years ago. My account was open at the time of my divorce on XX/XX/XXXX. In my decree, my ex-wife assumed responsibility for the account balance of {$2500.00}. She also assumed rights to our home that was currently financed and deeded in my name only. She was given 12 months to get the home in her name. She was provided a limited power of attorney to conduct business necessary to get the home in her name. I was told that the One Main Financial account had been paid. The home ownership transfer was completed in XX/XX/XXXX. She stated to me that she had to take out a loan to buy new carpet for the house. She did n't provide any details or information. I made no assumption that this would have been in my name as our divorce was final and she had assumed all rights and responsibilities associated with our home. I think the personal loan we had through One Main Financial may have had a lien associated with our home, but this was all left to her responsibility. The limited power of attorney she had was limited to use for transfer of the home. It would not have included extending or acquiring any debts in my name. I share this information because I have reason to believe that the account in question may have fraudulently been extended without my knowledge, authorization or signature. My ex-wife has dismissed any requests I have made for information. In the information provided to the court by One Main Financial, it states that I entered into a contract with them on XX/XX/XXXX for a credit. They have been unable to provide an account number for this loan. They state that a payment was made on XX/XX/XXXX and then defaulted. They also state that the account was closed unpaid on XX/XX/XXXX. I have not received any correspondence from the creditor or collector until the XX/XX/XXXX solicitation from XXXX mentioned above. I am not responsible for this debt. This debt collector ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) is using threatening tactics to attempt to extort money from me without providing any proof that it belongs to me. They have not been able to provide any information whatsoever regarding this debt. Either it is a bookkeeping error on the creditor 's part or the debt was incurred fraudulently in my name by the loan originator and/or my ex spouse. She has not been willing to share any information to assist me in clearing up this issue. She simply states that it was paid. I would like to dispute this debt. I am filing a complaint with the XXXX XXXX Police Dept in XXXX XXXX TX against the loan originator and my former spouse alleging identity theft and fraud. I believe the limited power of attorney could have been used beyond its authorization and her signature on my behalf would be void, the loan originator and my ex spouse colluded in defrauding One Main Financial, or the loan has been paid and the basis for collection is false. The dates associated with the loan provided to the County Court seem to align with the dates of the transfer of my home to my former spouse. This does raise my suspicion as to the circumstances. It could be construed that the amounts would seem to align with the payment of the previous balance assumed by her in our divorce decree with an extension and additional loan to cover the cost of the flooring required by the lender for her to get the loan for the house in her name. The dates of this contract are 12 months after our divorce was final. I would like to receive proof of the debt : 1. Specifically a copy of my signature on the loan agreement dated XX/XX/XXXX. I absolutely was not a party to this contract and any signature was made fraudulently via outright forgery or was made outside the parameters of the authority of an authorizations made to my former spouse. At this point I am really just conjecturing as to all of this because One Main Financial and the attorney have not been able to provide me any information of any kind including account numbers or even the information provided in the legal notice. The very people they say to call ca n't even find my information. 2. I would like to receive proof that the funds were ever distributed. I did not receive the proceeds of the loan in question. The loan originator should be able to determine to whom they were released and ascertain that they were not provided to me or anyone on my behalf. I appreciate your assistance in clearing up this issue. I intend to provide a copy of this complaint to the XXXX XXXX Police Department alleging fraud, to the FTC for potential identity theft, will copy the Attorney and One Main Financial, and all of this will be provided to the XXXX County, TX County Clerk. I will also be notifying all XXXX major credit reporting agencies of this error and potential identity theft and fraud.
04/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 731XX	Web
OneMain Financial has violated the terms of the Fair Credit Reporting Act by conducting a hard credit pull of my credit file without my authorization. I did not authorize a hard credit pull by OneMain or XXXX, the matching service that OneMain received my information from, for a personal loan. OneMain, without authorization and despite the fact that I never contacted them or communicated with a representative in any way, ran a hard credit pull on my credit history. XXXX made it clear that no hard check would be run, and that options listed were based only on a soft check. At no point did I authorize a hard check with XXXX or OneMain, which obtained my information from XXXX. I've spoken with XXXX after speaking with the OneMain office in XXXX XXXX this morning, and verified with XXXX 's agent that their terms and conditions do not include authorizing a hard credit check either by XXXX or One Main. I called OneMain for the first time morning after noticing that OneMain had done a hard pull on my credit, again without ever obtaining my authorization. I've pasted a transcript of the conversation with the XXXX agent, along with the terms and conditions I agreed to with XXXX, which did not authorize XXXX, OneMain or any affiliate that XXXX works with to conduct a hard pull. The terms are available both in the chat pasted below and on the link. This morning, I was told by OneMain that XXXX gave permission to do a hard check on my credit, which their agent says they never do. Again, their terms and conditions, listed on their website, also support this. I have asked OneMain to correct this situation. The unauthorized credit pull caused my credit score to drop 20 points. Briefly tell us how we may assist you today : I was just speaking with XXXX, and was disconnected Chat XX/XX/2019 XXXX XXXX Hello, this is XXXX, it's my pleasure to assist you today. XXXX XXXX It was listed as only doing a soft credit check XXXX XXXX Instead, one lender who received information from you processed a hard credit check, and I had never contacted them nor given authorization to do so XXXX XXXX I spoke with them this morning and they said that through XXXX there was an authorization not only for a soft check but a hard check also XXXX XXXX I see a note in the file that a loan matching specialist tried to call you to go over your loan options but they were unable to reach you by phone. Do you have 5-10 minutes to speak with them now to give yourself the best chance for loan success? XXXX XXXX This was not something I authorized XXXX XXXX Where in the authorization that I gave does it allow for a hard credit check XXXX XXXX Filling out a form on our site will not impact your credit as your credit is not going to be pulled by XXXX. Your information will be used to match you with the most suitable financial solution for your situation. XXXX XXXX It did affect my credit. In fact, my score went down 20 points because of a hard check done by OneMain, but I never spoke to them. They said the hard authorization was agreed to when I filled out the form with XXXX XXXX XXXX But the form with XXXX said that it was a soft check, which does not affect one 's credit score XXXX XXXX Not with us. XXXX XXXX Where did I authorize OneMain to run a hard check through an agreement with XXXX XXXX XXXX Sir I apologize but you are mistaken, we never take any confidential information from you. XXXX XXXX There are lenders in our network that will do a pre-approval with what's called a soft inquiry on your credit report, but before funds are dispersed every lender will always perform a regular credit check. XXXX XXXX I am not mistaken. I'm going only on what I was told by OneMain this morning, and based on when I filled the information in with XXXX that this was an authorization for a soft check only XXXX XXXX Can you confirm that your policy does not authorize a hard check XXXX XXXX And are there terms and conditions that I can either be emailed or find in connection to what I did authorize with XXXX that clarify this XXXX XXXX Your privacy is one of our top concerns. First off, we don't ask for highly private information, such as your social security number or D.O.B. Second, we don't share your information with partners unless you give us permission to do so. We also have the highest level of security encryption available on our servers. XXXX XXXX I need to submit information now to have that removed from my credit report XXXX XXXX It appears that another company is improperly using our name and reputation. At XXXX, we are not a direct lender. We are a free service that helps connect our clients with the best lender or other financial solution for their situation. XXXX XXXX For the record, my DOB was collected when I filled out the XXXX check through XXXX XXXX, and it was also clearly stated that this would be a soft check only XXXX XXXX Where are the terms and conditions that pertain the information I submitted XXXX XXXX At XXXX we are not the direct lender. We are a free service that has been in business since XX/XX/XXXX. We instantly match you with the most suitable financial solution for your situation in your market area, with zero obligation. We work with a network of highly rated and trusted providers that provide loans for those with poor to excellent credit, and are confident we can assist you to find your best option. XXXX XXXX They are on our website. XXXX XXXX I completely understand that and that's not what I'm asking for XXXX XXXX XXXX XXXX XXXX Where are the terms and conditions specific to the information I submitted XXXX XXXX Or are you saying there is just one set XXXX XXXX Welcome! XXXX XXXX ( " XXXX '' or " us '' or " we '' or " our '' ) provides its services ( described below ) to you through the website located at XXXX and its related sub-domains ( the " Site '' ) and through its mobile applications and related services ( collectively, such services, including any new features and applications, and the Site, the " Service '' ), subject to the following Terms of Service ( as amended from time to time, the " Terms of Service '' ). Through the Service, we provide credit-related information, products, services and other features. XXXX XXXX is a subsidiary of XXXX XXXX , XXXX ( Licenses ) By using or accessing any part of the Service, you are agreeing to these Terms of Service, our Privacy Policy and all other policies or notices posted by us on our Sites at the time of such access or use. If you don't agree to these Terms of Service, don't use the Service. We can change these Terms of Service at any time without any notice to you. We will change the last revised da XXXX XXXX I need to have the information so that I can take the hard pull off my account XXXX XXXX I don't think you're getting the point of this conversation XXXX XXXX Sir we never pulled your credit. XXXX XXXX And I never said that you did XXXX XXXX Whatever company you applied with did. XXXX XXXX XXXX am clarifying that XXXX did not pass along an authorization, allegedly by me to XXXX, to a third party lender -- in this case OneMain XXXX XXXX Then you can contact Onemain. XXXX XXXX Omg, you have got to read before you respond. I told you that I contacted OneMain, and that they said, which you say is not true, that I gave authorization to them through XXXX to pull a hard credit report. XXXX XXXX We were just trying to discuss more targeted options with you. XXXX XXXX May we have a good number to reach you? XXXX XXXX You say that that is not the case. I am speaking with you only to have this in writing and to obtain the terms and conditions, which you have provided, so that I can provide that to the credit rating agency to have this removed XXXX XXXX You have clarified this and I will submit the terms that you posted and our conversation XXXX XXXX If you have any further questions we are available at XXXX. Mon-Fri XXXX EST and Sat XXXX EST. I will be ending our chat session now. XXXX XXXX Can you please send the transcript of that chat XXXX XXXX I need it to submit to the credit reporting agency XXXX XXXX Here is a link to our terms sir. XXXX XXXX XXXX
08/16/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	PA 164XX	Web
I have a personal loan through One Main Financial in XXXX, PA. When the loan was taken out, a certain amount was determined to pay back each month. This amount worked for quite a while. At the time the loan was taken out, we were told by the person finalizing the paperwork for the loan that should anything change that we are unable to afford the payment, let them know and they will work with us and help get it where we can afford to pay it back. The loan is with myself and a friend of mine. His car is collateral. At the time the loan was taken out there was a special insurance plan that was taken out that you could get 1/2 off hotels, free towing, legal help and a whole lot of other stuff. We took it out. We were going on vacation 6 weeks after the loan was taken out and this sounded like it would help with hotels and financially. Before we left, the cards had not been received by us. We called the lady that finalized the loan and she said that to go ahead and call about getting the discount rates from the XXXX number provided on the application and if they couldn't give us the rate, make sure we have a copy of the rate showing that we indeed did pay for it and then submit it and they will reimburse what is due. I called the number to get the discounted rates and the gentleman that answered said that he could see by looking up our names that we were indeed covered, however, without a card, they could not honor the rate reduction. Upon returning home, I called the company and explained the situation. They said that they will not refund any money as we did not have the card in time and it is our loss. Furthermore, he explained to me that why would this lady assume that she can tell what our company will do. This company is not associated with their company and they have no right telling you that it will be refunded. They can refund the 1/2 if they want to but our company will not refund it. I called the person at One Main and explained what the company that supplies the services had said to me. She informed me that it wasn't her problem as she could not be held responsible for the company taking that long to issue the card. There was nothing she could do. I then called the company back and thank XXXX that I called when I did. In order to get a full refund of this insurance thing it had to be done within 2 days. Needless to say, it was cancelled and we did receive the refund in its entirety. Once again, a total lie from this company. XXXX However, within the last 6 months, the income in my household has changed significantly. I live with my son and his girlfriend, whom a wedding was set up for but has since fell apart, has moved out of the house. Therefore we have lost an entire income from the household and I have subsequently had to pick up more bills than I was paying when the loan was taken out. I was told by the person that finalized the paperwork and she said that the manager would contact me regarding helping us with the payments so that the car would not be repo 'd. 3 months later I had not heard a word except nasty, rude, ignorant calls telling me that the account is in arrears and needs paid immediately. I explained the situation and the lady informed me it is " Not my problem, it is your problem ''. I told her that she was downright rude and very inconsiderate. Obviously she had never experienced a hardship in her life, must be nice. I called the corporate office and spoke with a very nice lady who talked to me about the problem and then she transferred me to the XXXX Office. They said that they would see what they could do. The lady from corporate called me back after the conversation with the local office and asked what I thought of the situation that they would try to help with. I informed her that it would be great if they truly followed through with it. Furthermore, she informed me that she would take care of the situation with the rude and ignorant staff and manager. As of this date, they are even more ignorant and ruder than before. Many phone calls have been made back and forth between the local branch. It has been explained many times that our income has not changed but the income of where I reside has drastically changed. They submitted some paperwork to have the payments lowered and it was okayed for I believe it was 3-6 months at a lower payment. Since then, they have tried again and it was denied. Not only has my financial responsibilities changed but also my health. I have had 6 XXXX since XXXX, 2017 and I can prove these XXXX with documentation if needed. I still have to have 3 more XXXX as of right now. Therefore my medical expenses have increased as well as my living expenses. Every time they submit for the lower payments, they say that it was declined due to no change in INCOME. This is true. We have told them this is not the problem. It is the living expenses for me since one entire income is no longer in the household to pay some of the living expenses. I have never dealt with a company as rude as One Main is. In fact, I looked up One Main again yesterday to get the corporate headquarters number again to see if they could help my friend and I out. When I looked it up, I noticed reviews. I started reading them. Much to my surprise, this company must have the worst reviews I have ever seen. In fact, one of them mentioned to file a complaint with this group, as I am currently doing. I have had people in the area tell me that they would not recommend One Main because they shaft the heck out of their clients. I went in to check it out, and they were the nicest people that I had ever met. Bent over backwards to help us get the loan. Boy was I deceived. A partial payment was made a couple days ago and they said that it was not enough. Excuse me a partial payment is better than none. I mean if they are going to refuse a payment, I have heard that the debt can be paid in full due to declining a payment. I am so stressed, my friend is stressed as he can not afford to lose his car. If we would have known there would be a loss of an entire income in my household, this loan would never have been taken out. An for that lady that told me that it was not her problem it was mine, and why did we take the loan out if we knew we could not afford the payments. That is just plain ignorant. Obviously it was a circumstance that happened that was not known at the time the loan was taken out. I am so disappointed in this company. I have told everyone I know if they need a loan absolutely do not go to One Main. They are very rude to their clients. I am surprised the place is still in business with the attitudes of their employees. At this point, I have no idea what I can do or where to turn. I have asked multiple times from the XXXX numbers as well as the branch office for help. I get absolutely nowhere. It seems as if they do not even try to help, which is deceiving as we were told that they would help us if any problem that they payments could not be afforded in order to not lose the car. I am sorry that I have ranted and raved to whomever gets this letter, but I feel we have been unjustly treated and lied to on multiple occasions with this specific branch. I also see that MANY other complaints have been filed under reviews of this company with the same complaints. How can a company be operating with misinformation like that? I would like to Thank You for your time in this matter.
02/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 155XX	Web	Servicemember
It was tough for us from the beginning. Both of our credit histories had made it tough for us with being stuck with crippling interest rates, limitation of choices, limitations of job choices, being stuck with cars which cost us thousands in repairs straight off the lot all from poor credit ratings.. But we continued forward working hard to get things to work through again a lack of choices and being at the mercy of others. Yes, we did make some poor choices but in a lot of cases those were the best choices of the options we had available. Finally, on XX/XX/XXXX, we had an opportunity which we had created for ourselves after years of doing without and struggling to get things paid off and on time. We finally had the opportunity to free up cash and get things moving for us as our credit rating had climbed high enough to qualify for a loan with which we were able to consolidate and clean up the last remnants of a stifling past. We planned, budgeted, and made arrangements with past creditors to clean up our mistakes. We did without and paid ahead to build up this rating though still not stellar or even remarkable. But we did it and decided to check into the offer. Besides some past mistakes still lingering we had a couple of current credit cards and a personal loan with XXXX for the amount of {$1200.00} originated on XX/XX/XXXX with a monthly payment of {$84.00} and a car loan with XXXX for the amount of {$5600.00} originated on XX/XX/XXXX with a monthly payment of {$160.00}. At first our idea was not a loan for the car but a personal loan to clean up our past indiscretions and the personal loan with XXXX which would reduce our monthly debt expenses to just the {$160.00} and the payment for the personal loan. However, after talking to XXXX XXXX XXXX, Branch Manager of One Main office located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Pa XXXX, and going over some numbers we found it advantageous to do a {$5200.00} consolidation loan which would take care of the past obligations, the personal loan with XXXX, and the car loan. I called XXXX and got a payoff amount for those loans with a payoff date of XX/XX/XXXX while XXXX was on the phone with a higher office to get approval for the loan. After going over the initial leg work with the loan process we went to finish the process up with XXXX XXXX XXXX, Branch Account Manager. This was the creation of the contract which was all done electronically. I thought I was to get a copy via email but have yet to receive it. But we finished the paperwork and I was issued two checks : the first was for the amount of {$270.00} made payable to XXXX XXXX for a XXXX I have and the other was payable to XXXX XXXX XXXX in the amount of {$660.00} for an account on which I had defaulted. Both of these checks I sent to the respective creditors. The amounts for the payoff of the loans with XXXX were taken care of by the One Main office. I kept track of the accounts to see when they were credited. XXXX XXXX and XXXX XXXX both were cleaned up. I had used the remaining money to clean up other smaller accounts such as XXXX XXXX with whom I had had another defaulted account in collections. But as XX/XX/XXXX approached I saw no change and decided to check with XXXX. They said that they had not received anything. I called One Main and XXXX XXXX XXXX said that she had XXXX those checks to an address in Iowa and said that they had been received. I immediately called XXXX back with the tracking number, the address, and the name of the person who had signed for it. I was then informed that that was not their address. It was a bank that had a similar name but it wasnt them. I called XXXX XXXX XXXX and she told me that she was going to overnight the checks to XXXX in XXXX, Pa and put a stop payment on the two which went to Iowa. A couple of days later I saw that my accounts with XXXX had gone to a XXXX balance. I received a notice from XXXX around XX/XX/XXXX which included our original loan contracts and they were marked PAID with a date of XX/XX/XXXX. I was to start making my monthly payments of {$160.00} on XX/XX/XXXX for the loan with One Main but trying to keep with what XXXX I have done in the past we made our first payment of {$170.00} on XX/XX/XXXX and set up an automatic payment for the XXXX of every month which followed for the amount of {$170.00}. We have made every payment as scheduled since and every payment has been for the amount of {$170.00}. As time past we would check our credit and watch it rise. However, after the XXXX of the year, I noticed that on XXXX XXXX our paid on time score had dropped from 100 % to just 97 %. A few days later I had a message from XXXX XXXX from XXXX. I called her back and found that I was past due and the check that had been sent from One Main to payoff my loan had a stop payment. Thinking it was just a bit of confusion I explained what had happened in XX/XX/XXXX and gave her both XXXX XXXX XXXX and XXXX XXXX XXXX phone and fax numbers and names. I didnt hear anything and on XX/XX/XXXX I received a bill dated XX/XX/XXXX for {$590.00} with a minimum due of {$90.00}. I took it immediately to One Main and gave it to XXXX XXXX XXXX who immediately started looking into it. Then on XX/XX/XXXX I received another bill from XXXX dated XX/XX/XXXX and another letter concerning the check which was returned with a stop payment. It also included a photo copy of the check for the amount of {$530.00} indicating the stop payment was on XX/XX/XXXX. I faxed both copies to the One Main Office. I heard nothing so the next day I called and was told by XXXX XXXX XXXX that XXXX XXXX XXXX had taken care of it which included a separate check to pay off any fees and charges which were incurred. A couple of days later I received a call from XXXX XXXX stating that the problem had been resolved. On XX/XX/XXXX I received another phone message from XXXX XXXX. I tried to return her call and when I could not get her I tried a couple of times unsuccessfully the next day and left a message both times. On XX/XX/XXXX I received another bill from for a past due amount of {$170.00}. Since it was too late to call I faxed it to One Mains office. I heard nothing the next day which was filled with errands. I was taking a day off to cool downI was livid. We had worked our credit score up to XXXX, almost ready to go into the XXXX and finally start opening some doors for us. Instead because of the past due we had plummeted to the low XXXX and high XXXX. I go to work on XX/XX/XXXX at XXXX. About ten minutes into my shift I get a call. I answer it and it is XXXX XXXX from XXXX starting to question me about XXXX and my loan with them. She told me that One Main had pay off everything except {$55.00} and demanded to know what I was going to do about it. I told her never to call me at work again. When I got home One Main was closed and I faxed them a note with the latest bill stating that I want this resolved now. Here we are, XXXX and I have done the right thing but are now stuck with a pithy credit score which means more time with financial and career limitations, unbelievable interests rates, and being stuck with the broken down car the dealer wishes to unload.
05/29/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NE XXXXX	Web	Older American
We previously had a vehicle financed and a second refinanced through OneMain Financial when it was under different ownership, and paid off the most recent loan last year. We dealt with the XXXX XXXX office which was a pleasant experience other than driving 110 miles each way for the closing each time. Beginning last month when we first we began applying for a vehicle loan through OneMain Financial, our experience has been one of total frustration! After no response from the XXXX #, I called the XXXX XXXX, NE office and left a message. I eventually called the XXXX XXXX XXXX number again on XX/XX/XXXX and reached XXXX who took a great deal of information for an application, including bank SSN, income, utilities, vehicles currently owned, etc. and quoted an approved loan of {$18000.00} at 21.02 %. I told him we would think about it and let him know. On XX/XX/XXXX, I called OneMain XXXX XXXX at XXXX XXXX XXXX and spoke with XXXX who could not find any record in the system of the application from XXXX on XX/XX/XXXX. I then called the XXXX number and reached XXXX, who needed the same information all over again and quoted an approved secure loan of {$18000.00} for 60 months at {$510.00} per month or an unsecured loan of {$13000.00} at {$360.00} per month for 60 months. I verified with XXXX that we could use the intendedXX/XX/XXXX vehicle as collateral and concluded the conversation at XXXX XXXX. I immediatelly called XXXX at the XXXX XXXX office and she confirmed that the XXXX XXXX office could do the loan or I could complete on-line, just call XXXX XXXX XXXX instead of the XXXX number and give them Branch XXXX. Not hearing anything further, I called the XXXX number on XX/XX/XXXX and spoke with XXXX who took all the same application information again and went over documents that would be needed after review from underwriting. He explained that I should receive a call tomorrow with the results from underwriting. XXXX was far more detailed and courteous than anyone else I had spoken with at either the XXXX or XXXX numbers. XXXX is to be commended for his attitude and actions! When I did not hear back from OneMain and having an additional question for XXXX, I called the XXXX number on XX/XX/XXXX at XXXX XXXX and spoke with XXXX who immediately said XXXX was not in today, so I left a message for him to call me. I called the XXXX number again at XXXX XXXX and spoke with XXXX, who said she had no idea if XXXX was in today since she was in the Indiana branch and he was in the Arizona branch. Then at XXXX XXXX, I received an email from OneMain saying that I needed to log in and submit additional forms to complete my application and then to call the XXXX number. Hearing nothing further, I called the XXXX number on XX/XX/XXXX at XXXX XXXX and got to a recording that said the loan had been denied ; still not having been able to ask my additional question, I went through the prompts again and spoke with XXXX, who said that XXXX was not in today, try tomorrow. Thus, I called the XXXX number again on XX/XX/XXXX at XXXX XXXX and spoke with XXXX who said he would leave a message for XXXX to call me. Today, I again called the XXXX number at XXXX XXXX and spoke with XXXX XXXX, who claimed that my application had processed out and no one could pull it up. I explained that I had not yet been able to ask my question and asked for his supervisor. After being on hold for six minutes, he transferred me to XXXX in the Customer Care Office instead of his supervisor. XXXX wanted my full Social Security number instead of just the last four ; I again asked for a supervisor. After two minutes, she transferred me to XXXX who again wanted my SSN and date of birth. I told her that I had not received a call back from anyone at OneMain in a week, much less XXXX for whom I had left numerous messages with other people. She said XXXX was not in ( OneMains standard answer ) and started to explain call center operations. I told her I knew call center operations, I was a XXXX XXXX XXXX for 6.5 years, XXXX XXXX XXXX for 4 years, XXXX XXXX XXXX XXXX/XXXX for 2 years, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX for 2.5 years, prior to XXXX XXXX for XXXX XXXX XXXX and XXXX. Even in the early XXXX we could look online to see someones schedule and tell when they would be in and could leave a message for them. If they were going to be out for an extended time, such as vacation or illness, we could certainly offer the customer the choice of leaving a message or helping them. Evidently, OneMains call centers lack this now antiquated technology, which has grown significantly more sophisticated! When I asked for her supervisor, she offered to have someone call me back ; I told her that was unacceptable and I wanted her supervisor and the name and address of OneMains CEO. After being on hold for six minutes, I was connected with XXXX XXXX. In spite of multiple requests, she continued to refuse to provide the name and address of the CEO. I explained how OneMains service has clearly deteriorated and the call center service is a total disgrace. She said that I could go back to the XXXX XXXX office ; I told her that I was told I needed to go online since I am more than 50 miles from XXXX XXXX. She then claimed that XXXX XXXX was 99.36 miles away. I told her that might be the XXXX mileage, but actual mileage was at least 105 miles each way. After multiple additional requests for the CEOs name and address and the federal agency that regulates OneMain, she checked with someone else and continue to refuse to provide the information. Suddenly, I was speaking with a XXXX XXXX, who after a now total of 8 requests for the CEO, gave me the name XXXX XXXX, but continued to refuse to provide his address. Instead, he eventually gave me the address of the Compliance office in XXXX. When I again asked for the federal regulatory agency, he said OneMain was not a bank and was regulated by another entity and started give a list of unrelated names. After 5 requests, XXXX finally admitted that OneMain is regulated by the Consumer Financial Protection Bureau. XXXX eventually hung up on my after saying thank you at XXXX XXXX. After hanging up, I was able to find an XXXX, California address and that OneMains headquarters address is in XXXX, IN. Please correct the absurd total lack of service being provided by OneMains call centers. Please update your technology so representatives can see the schedule of the person a customer is working with and the ability to leave that person a message. Each representative needs a personal number which a customer can use to reach the representative they are working with and avoid the current run around and false excuses. This technology has been available for multiple decades. Please provide me in writing the date by when OneMains call centers multiple deficiencies will be corrected and will start providing customer service.
08/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM XXXXX	Web
XX/XX/2018 I am unable to provide exact dates because I have been dealing with two seperate companies that are some how still tied to each other as one sold their company to the other but never, " Closed '' their loan contract so I am showing the, " Old & the New Joint Loan '' as if it were two loans. It is very confusing and not even these companies could figure out how to fix this mess! These companies have committed illegal activities. REPORTING BILLING ERRORS WITH ILLEGAL/FRAUDULENT ACTIVIIES BY CREDITORS : ONE MAIN FINANCIAL & ONE MAIN RE : Illegal/fraudulent Loan ( s ) Loan Accounts are grossly incorrect on both, Old and New Accounts. Disputed both One Main Financial & One Main Creditors as numerous accounts have been opened and closed that were not approved by US the Consumers. Plus, Old Loan information that should have been CLOSED is still OPEN and billing my bank account! The same thing is happening with the newest account which is Joint Account One Main Financial and One Main Loan Lending Companies are and have been violating our rights under the, Federal Trade Commission Lending Laws It is illegal to be billing us for accounts in which they all have different accounts numbers, with different amounts due, and an account that should have been closed when we entered into a, Joint Loan Contract but they did not close it and continued to report this information to the Credit Bureaus! Other accounts have been, Opened and Closed without our consent or Loan Agreements with both One Main Financial and One Main. These illegal and fraudulent, Open and Closed Accounts show dates that were not applied by my husband or myself, yet these companies continue to report them as if they were legal! All three, major credit bureaus are showing many different accounts and the billing errors that are being reported do not match or make any sense! XXXX XXXX, XXXX and XXXX all have numerous accounts that are listed as, Paid in Full, yet we never signed loan contacts for any of these accounts! It is quite illegal and fraudulent to conduct such business as there are many, many incorrect billing errors. Plus, the questions as to where our monthly payments are being applied to? After reaching out to both companies I finally decided it would be in our best interest to move forward in disputing these illegal loans with, XXXX XXXX, XXXX and XXXX so they can investigate and confirm that these illegal loans are not valid and need to be removed/deleted from our credit reports. So, to date we have disputed these, Illegal Opened and Closed Accounts and on my XXXX XXXX Credit Report, they investigated and confirmed this illegal information and they removed/deleted the account showing and on my husbands XXXX Credit Report they have removed and deleted all of the illegal accounts with these companies as they too investigated and confirmed these loans as fraudulent and grossly being reported as such. We will continue disputing with All three major credit bureaus, XXXX XXXX, XXXX and XXXX Credit Bureaus so that all illegal/fraudulent activities can be removed/deleted from our Credit Reports! Plus I had no other choice but to do a STOP PAYMENT with my Banking Institute as I had our payments set-up as, Automatic Payments withdrawn from our bank account on a monthly basis but we have no ideas where are payments are being applied to as the accounts are illegally reporting to the Credit Bureaus! It is a complete mess that not even these companies could give me any clear answers as to why this was going on in the first place. Also, being placed on both my husbands and my credit reports are many Inquires for loans that we know we did not do. I believe that on just my credit reports I have up to six or more inquiries from both companies. My husband 's is just as bad as mine on the Inquire Section of our credit reports. One other very important issue that I would like to bring to the attention of XXXX XXXX XXXX XXXX is that these companies do not explain clearly the terms of the loan agreement till after a person signs the loan contract. When I brought this to the attention the Loan Officer I expressed to her that had I fully understood the terms of these loan agreements, I would have never signed the loan contract! I feel certain information is withheld till after the fact! In fact, I even made a comment that I felt so very bad for our Elders who most are only XXXX-Speaking and they have a hard time understanding the English Language and the Office Manager agreed with me and said that she too felt bad for, Our Elders! Plus, these loan officers seem to rush through the loan process as they make you feel that they have other people waiting so a person does not get that full one on one time that is truly needed in these types of situations. My experience was far from professional as both times I met with the, Office Manager and Loan Officer, they both took telephone calls while working with me and they also tried to help other people apply for their loans at the same time! I was very dissatisfied with how these companies have trained their employees as it lacks professional respect! Accounts Removed from XXXX XXXX Credit Report ONEMAIN - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. Between XX/XX/2018 and XX/XX/2018, your account with ONEMAIN was removed from your credit report. Information from XXXX Credit Report We noticed 1 change to your credit report. Updated Account Information ONEMAIN - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Consumer disputes - reinvestigation in progress In submitting our complaint, being that it is a, " Joint Account '' yet I am still paying to the Oldest Company on my credit report so it makes it appears as their as two diffferent loans and we do not know were our monthly payments are being applied to as this is so very confusing. When I spoke to the companies they also did not have any ideas as how to answer my questions on what was going on and so I felt it best to reach out to all our Credit Bureaus and the Compaines using the CFPB! What I did realize is that is it quite illegal to open and close other loans that we never ever signed any legal loan documents to! They are all different on all the three major credit reports and it is a hugh mess! Also these companies repeatedly did hard checks on our credit reports that are in the " Inquires '' to the point that there are more than normal on both mine and my husband 's credit reports.
08/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM XXXXX	Web
XX/XX/2018 I am unable to provide exact dates because I have been dealing with two seperate companies that are some how still tied to each other as one sold their company to the other but never, " Closed '' their loan contract so I am showing the, " Old & the New Joint Loan '' as if it were two loans. It is very confusing and not even these companies could figure out how to fix this mess! These companies have committed illegal activities. REPORTING BILLING ERRORS WITH ILLEGAL/FRAUDULENT ACTIVIIES BY CREDITORS : ONE MAIN FINANCIAL & ONE MAIN RE : Illegal/fraudulent Loan ( s ) Loan Accounts are grossly incorrect on both, Old and New Accounts. Disputed both One Main Financial & One Main Creditors as numerous accounts have been opened and closed that were not approved by US the Consumers. Plus, Old Loan information that should have been CLOSED is still OPEN and billing my bank account! The same thing is happening with the newest account which is Joint Account One Main Financial and One Main Loan Lending Companies are and have been violating our rights under the, Federal Trade Commission Lending Laws It is illegal to be billing us for accounts in which they all have different accounts numbers, with different amounts due, and an account that should have been closed when we entered into a, Joint Loan Contract but they did not close it and continued to report this information to the Credit Bureaus! Other accounts have been, Opened and Closed without our consent or Loan Agreements with both One Main Financial and One Main. These illegal and fraudulent, Open and Closed Accounts show dates that were not applied by my husband or myself, yet these companies continue to report them as if they were legal! All three, major credit bureaus are showing many different accounts and the billing errors that are being reported do not match or make any sense! XXXX XXXX, XXXX and XXXX all have numerous accounts that are listed as, Paid in Full, yet we never signed loan contacts for any of these accounts! It is quite illegal and fraudulent to conduct such business as there are many, many incorrect billing errors. Plus, the questions as to where our monthly payments are being applied to? After reaching out to both companies I finally decided it would be in our best interest to move forward in disputing these illegal loans with, XXXX XXXX, XXXX and XXXX so they can investigate and confirm that these illegal loans are not valid and need to be removed/deleted from our credit reports. So, to date we have disputed these, Illegal Opened and Closed Accounts and on my XXXX XXXX Credit Report, they investigated and confirmed this illegal information and they removed/deleted the account showing and on my husbands XXXX Credit Report they have removed and deleted all of the illegal accounts with these companies as they too investigated and confirmed these loans as fraudulent and grossly being reported as such. We will continue disputing with All three major credit bureaus, XXXX XXXX, XXXX and XXXX Credit Bureaus so that all illegal/fraudulent activities can be removed/deleted from our Credit Reports! Plus I had no other choice but to do a STOP PAYMENT with my Banking Institute as I had our payments set-up as, Automatic Payments withdrawn from our bank account on a monthly basis but we have no ideas where are payments are being applied to as the accounts are illegally reporting to the Credit Bureaus! It is a complete mess that not even these companies could give me any clear answers as to why this was going on in the first place. Also, being placed on both my husbands and my credit reports are many Inquires for loans that we know we did not do. I believe that on just my credit reports I have up to six or more inquiries from both companies. My husband 's is just as bad as mine on the Inquire Section of our credit reports. One other very important issue that I would like to bring to the attention of Credit Financial Protection Bureau is that these companies do not explain clearly the terms of the loan agreement till after a person signs the loan contract. When I brought this to the attention the Loan Officer I expressed to her that had I fully understood the terms of these loan agreements, I would have never signed the loan contract! I feel certain information is withheld till after the fact! In fact, I even made a comment that I felt so very bad for our Elders who most are only Spanish-Speaking and they have a hard time understanding the English Language and the Office Manager agreed with me and said that she too felt bad for, Our Elders! Plus, these loan officers seem to rush through the loan process as they make you feel that they have other people waiting so a person does not get that full one on one time that is truly needed in these types of situations. My experience was far from professional as both times I met with the, Office Manager and Loan Officer, they both took telephone calls while working with me and they also tried to help other people apply for their loans at the same time! I was very dissatisfied with how these companies have trained their employees as it lacks professional respect! Accounts Removed from XXXX XXXX Credit Report ONEMAIN - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. Between XX/XX/2018 and XX/XX/2018, your account with ONEMAIN was removed from your credit report. Information from XXXX Credit Report We noticed 1 change to your credit report. Updated Account Information ONEMAIN - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Consumer disputes - reinvestigation in progress I can not provide the correct account numbers on the two different loans as the account numbers do not match and are showing as being opened by the these two separate companies which are One Main Financial and One Main.
04/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	PA 18704	Web
I had purchased a selection of insurance coverage protection plans when I obtained a loan through OneMain Financial. The coverage included involuntary employment insurance. Upon direction and full disclosure of my employment statuses, a claim for unemployment coverage was submitted to XXXX XXXX XXXX in XX/XX/XXXX, on my behalf. The claim was subsequently paid by XXXX XXXX XXXX, with no contact with me during the claim review process or upon determination of the claim status. Subsequently, through a 2nd period of unemployment, an additional claim was submitted to XXXX XXXX XXXX by OneMain Financial, on my behalf in XX/XX/XXXX. Upon submission of the 2nd claim, XXXX XXXX XXXX denied the claim and demanded repayment of the initial claim in a letter dated XX/XX/XXXX. The letter, furthermore, DEMANDED a written explanation of the initial, XX/XX/XXXX, unemployment claim as well as full reimbursement of the amount paid to OneMain Financial. In a subsequent letter, dated XX/XX/XXXX, XXXX XXXX XXXX alleged I presented misrepresented information, in violation of Pennsylvania 's illegal ac 18 PA ST 4117 and may be subjected to criminal and civil penalties. Upon receipt of the letter dated XX/XX/XXXX, I personally telephoned Ms. XXXX XXXX, IFC, Special Investigator and discussed my employment status as well as what was disclosed to OneMain Financial prior to submission of the initial claim. The branch office of OneMain Financial advised me, " all '' information would be submitted to " the insurance company '' as I was unaware of the XXXX XXXX, at that time, for company review. Ms. XXXX advised me all correspondence must be sent to XXXX XXXX XXXX in writing. In a letter dated XX/XX/XXXX, I recapped my displeasure with the reference of having conducted an unlawful act and personal attack on my reputation, character and integrity. In addition, I recapped the context of the telephone discussion I had with Ms. XXXX including reference to the telephone conversation that occurred between myself and the OneMain Financial branch office in XX/XX/XXXX. My XX/XX/XXXX letter also requested an amicable resolution to this matter. In response to my letter of XX/XX/XXXX, in a letter dated XX/XX/XXXX, by Ms. XXXX on behalf of XXXX XXXX XXXX, Ms. XXXX reference employment information obtained from 2 previous employers. The letter also referenced my response to " have you returned to work '' as " No ''. This response was the recommended response by the OneMain Financial branch as there was a gap in employment, part of which was voluntary, however, the branch office of OneMain Financial led me to believe the verbal dialogue as well as the signed claim form would all be submitted to XXXX XXXX XXXX, on my behalf. The letter continued the DEMAND for repayment and included a letter dated XX/XX/XXXX purported to have been sent to me indicating the claim had been reviewed and paid to OneMain Financial. In a response letter, dated XX/XX/XXXX to XXXX XXXX XXXX, my introduction portion of the letter indicated " With all due respect, XXXX has reviewed and made the determination based upon information provided by other parties. In addition, the letter requested specific information including, any information obtained from the OneMain Financial branch office, details regarding information obtained from previous employers, request for termination of any coverage provided by XXXX XXXX XXXX on my behalf, effective XX/XX/XXXX, an explanation why XXXX XXXX XXXX is demanding payment from me for monies paid to OneMain Financial, a review and determination of 2 months for which I should be eligible for payment and a detailed plan to resolve this issue as well as correction to IRS reporting. In a response letter from XXXX XXXX XXXX, dated XX/XX/XXXX, the letter references " validation '' of employment by previous employers, an interview with the branch manager of OneMain Financial that referenced my discussion with the branch manager regarding insurance coverages included with my loan. In addition, the interview with the branch manager references the branch manager did not advise me benefits would be paid, however, " XXXX '' would review the information and then make a determination on my claim. Notwithstanding, what has been stated, the letter as well as the " interview '' do not reference the full disclosure of employment statuses made by me to the OneMain Financial branch office. The letter, furthermore, indicates any additional information necessary for XXXX XXXX to review the claim would be requested from me. There was NEVER any contact by or with me, from XXXX XXXX XXXX until XX/XX/XXXX. XXXX XXXX XXXX provided for a written repayment plan which must be executed within 30 days of the XX/XX/XXXX letter, an involuntary unemployment claim form for the 2 months previously questioned, refused to cancel the insurance coverage, as requested in my XX/XX/XXXX letter, indicating the cancelation must be requested through the OneMain Financial branch, refusal to release information obtained from a previous employer and indication the IRS reporting correction would be processed upon full repayment. The letter also indicates XXXX XXXX XXXX is demanding repayment from me rather than OneMain Financial " because the insurance contract is between myself and XXXX '', " not between XXXX and OneMain '', however " made benefit payments to OneMain Financial on my behalf '' for the claim in question. If in fact the insurance contract is between myself ( the borrower ) and XXXX XXXX ( the underwriter ), why have benefits been paid to OneMain Financial? If the insurance contract is between myself ( the borrower ) and XXXX XXXX ( the underwriter ), why do I need to contact the OneMain Financial branch office to cancel coverage? If the insurance contract is between myself ( the borrower ) and XXXX XXXX ( the underwriter ), why will the eligible benefits be paid to OneMain Financial?
06/17/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	MI 48073	Web
This is actually me having to re-open this complaint since One Main took over a month and still did not address my issues. My previous complaint consisted of : How can an already established customer who always make on-time payments for over a year, start off being approved by the lender up until you actually meet with their representative? This is how ... I contacted them to apply for a loan for an emergency and they told me approximately 24 hours later that I was approved as long as I bring in pretty much the same documents I was required to bring in the last loan I received through them. I brought in the documents and the minute she approached me ( the XXXX XXXX ) I immediately assumed she must've been having a bad day since her attitude, demeanor, and commentary was nothing like what I had experienced while speaking with her on the phone. I attempted to cheer her up by being complimenting but her attitude just continued to get worse. Then she started asking me for whatever documents she can come up with ( e.g, birth certificates, credit card & bank statements ) that had nothing to do with the list of requirements she expressed to me over the phone or nothing similar to the list of documents that I had to bring to them my last closing. It was then that I realized that she was attempting to figure out a way to turn me away for no other reason but my appearance since her attitude was nothing of the sort over the phone. My first loan officer was thorough, friendly, and willing to answer all questions since it was my first loan ever. This different/new One Main rep told me she no longer needed the documents and will get back to me the next morning. The next day she called to informed me that even though I had once been approved they decided to deny me and they will send me a letter with an explanation and she was rude enough to hang right up on me. Weeks later they sent me a letter stating only that I was denied and I would have to make a request in writing if I wanted to know the specific reason for their decision. Over a month later they sent me another letter saying that an application that I had never been given was incomplete. I had done everything I was expected to do, I maintained a great credit history with ONe Main with their extremely high interest rates, I brought in all documents required which included the same employer from the first loan, I even showed up to my appointment when asked and I still got mistreated and told anything. I am attaching both correspondences I received back from One Main regarding this loan. -concluded- Since this complaint over a month later One Main finally responds back alleging that, even though I exercised my right and had requested from them in writing the reason for their decision of denying me, my verification of income indicated fraud. Yet, their reason given upon request ( still attached ) said " incomplete application ''. They did not even take the time to verify the authenticity of my income as they did with my prior loan approval with them they just jumped to the conclusion that it resembled fraud, yet their false accusations does not explain why their representative from the beginning before exchanging any documents, was so rude and negative towards me the moment she saw me. It also does not explain why this representative acted as if she had requested me to bring in documents that I did not bring or why I would suddenly need my birth certificate, credit card & bank statements. How does a format constitutes me suddenly needing to conjure up never mentioned before documents. Just because the exact same employer that was already verified during my first One Main loan that was approved decides to use a format that resembles with what you label as fraud does not change not a single fact. The verification of income could have easily been verified besides just looking at the XXXX of ones skin or a format on paper just like the previous representative managed to verify my income through my exact same employer. The fact is still evident by their own admittance that my rights was violated since I do reserve the right to know why I was denied upon request, and One Main denied me that right. One Main also claimed to be " committed '' to being non-discriminatory, yet, instead of recognizing that one obviously slipped through the cracks and attempting to repair it they decide to use defense tactics and point the finger since I am just one person and they are a whole company that still managed to take over a month to come up with a reply that still violates my rights.
07/17/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	OH 451XX	Web
I received a phone call on XX/XX/XXXX and XX/XX/XXXX from an unknown XXXX number. I received 3 phone calls per day from that number finally on the XX/XX/XXXX approx. XXXX I finally answered the call it turned out that it was One Main calling to " remind '' me that my payment was due '' I said um when is my payment due the rep on the phone said on XX/XX/XXXX. I was a bit annoyed at that point I was like um why have you been calling me 3 days before the due date. Her response over the phone was its just a curiosity call I was like yeah ok no it is not a curiosity call because I have never received a curiosity from One Main. Then I proceed to tell her that you called me 3 times Monday 3 times today till I answered the phone. At this point, I knew that she was busted because she couldn't explain why she was calling me. I said you know what it is perfect timing because I am in a bit of a financial bind at the moment. I explained to her that I purchased a car in XX/XX/XXXX then 2 weeks after the purchased I got hit with a big deduction from my bank account for XXXX dollars from XX/XX/XXXX banking for my mortgage when my previous mortgage payment was XXXX a month. I explained to her if I would have known that my house payment would have gone up I would have not purchased XXXX XXXX XXXX. Turned out that my escrow balance has gone up without any notification. After that has happened it threw my finances out of wack. I also explained that my wife hours got cut where she works at so it has been nothing but a struggle to keep up on things when I am trying to do it all. I have been working side jobs as well to keep up with the bills around the house and keep putting food on the table for my wife and kids my 10 hour working days has gone up to 18 hour working days. I explained that I was not able to make the payment on the due date and the only time that I can make it would be around the week of XX/XX/XXXX she said ok thank you for explaining the situation to me I will put you down for the due date around the week XX/XX/XXXX. I said perfect i don't want to be getting 10k phonecalls from over this and she said you won't. The very next day I received a phone call from a XXXX I received 3 phone calls from that number I ignored the phone call the very next day I received 5 phone calls from that number I ignored it again. on Friday, XX/XX/XXXX I finally answered the phone aprox XXXX after they have called me 4 times. I said Hello the other person on the line said, XXXX? I said yes and she said hi this is XXXX ( I didn't quite catch her name ) from one main how are you. I asked why are you calling me and she said I wanted to know if you were going to make a payment today. I said excuse me you call me 3 days before the due date to ask when I was going to make a payment. She proceeds to say well it's 2 days late I told her that I have already talked to a representative about this and I am currently on duty right now I have explained that to the rep that I previously talked to about this please don't call me while I am on duty because I work at a federal hospital and my duty is to these veterans from XXXX-XXXX XXXX not to be accepting personal phone calls unless it is an emergency from my wife or kids. 20 minutes after i have gotten off the with One main another phone call comes again from them which I ignored. every day Monday thru Friday I will receive up to 5 phone calls from one main at the XXXX area code and the other at their XXXX area code at least an additional 5 more times. I have answered the phone several times over these occasions and explained I am on duty please do not get a hold of me while i am on duty I have stated I will make the payment around the XX/XX/XXXX multiple and multiple times. the total of times that one main has called me combined from both numbers since anywhere from 145-160 times. I have wished that I would have never met a bunch of ignorant people who have no care in the world if someone is in a financial bind and continue to harass the hard-working people that they charge outrageous interest rates on people who work their asses off to build credit, to build a better future for their family, their kids. Like myself who went from 10 hour working days to 18 hour working days to provide for my family and to keep the bills paid and some ignorant asshat who can not be patient wait a few weeks but instead they decided to disrupted my work life while I am taking care of our country veterans.
10/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	AZ 85302	Web
I am writing to make a formal complaint against ONEMAIN FINANCIAL previously called ONEMAIN. 1. ONEMAIN FINANCIAL has violated Arizona Fair Debt Collection Practices Act by using false representation or deceptive means to attempt to collect a debt. 2. ONEMAIN FINANCIAL has violated the FCRA by failing to conduct a proper investigation upon notice of dispute and/or by failing to report the findings of such investigation to the credit reporting agency ; and by failing to report accurate information to the credit reporting agency. FCRA liability holds statutory damages at {$1000.00} per violation. Each account is considered a separate violation. 3. ONEMAIN FINANCIAL has violated the FDCPA by engaging in conduct that is meant to harass, oppress or abuse a person ; by falsely representing the character of a debt ; by falsely representing the legal status of a debt ; by failing to note the account in dispute to the credit reporting agency ; by using false representation or deceptive means to attempt to collect a debt ; by using unfair or unconscionable means to attempt to collect a debt. FDCPA liability holds statutory damages at {$1000.00} per action. Each account is considered a separate action. FACTS : ONEMAIN attempted to collect on an debt under false representation. On XX/XX/XXXX Onemain responded to a letter I sent to XXXX XXXX XXXX who is a collection agency. XXXX XXXX XXXX used letters deemed illegal and harassing phone calls for over a month. ONEMAIN had knowledge of this illegal activity as I had an open dispute with ONEMAIN and was in correspondence. During this time both companies were still attempting to collect on the debt while reporting inaccurate information to credit bureaus. As you know, Section 1692g ( b ) requires the debt collector to cease collection of the debt at issue if a written dispute is received within the 30-day validation period until verification is obtained. Even reporting a charged-off debt to a consumer reporting agency, particularly at this stage of the collection process, constitutes " collection activity '' on the part of the collector. ONEMAIN FINANCIAL sent a lengthy correspondence letter with a copy of their response letter included from XX/XX/XXXX. This response letter proves ONEMAIN and XXXX XXXX XXXX were in fact carrying out unlawful collection activity while I was in dispute with the original furnisher. ONEMAIN FINANCIAL deliberately omitted the correspondence letter which precedes the response letter that provides the context of the correspondence. For integrity purposes ONEMAIN FINANCIAL should have submitted a copy of the letter that preceded the response letter as it should be a matter of record also. Evidence supports ONEMAIN FINANCIAL intentionally omitted the preceding letter and misrepresented the context of the XX/XX/XXXX correspondence with XXXX XXXX XXXX to mitigate its responsibility for violating the FDCPA on numerous occasion. ONEMAIN FINANCIAL stated that it was attempting to collect a debt using its own employees so it was not in violation of FDCPA. XXXX XXXX XXXX is not ONEMAIN FINANCIAL and your company responded to correspondence to XXXX XXXX XXXX which is verifiable proof of FDCPA violation. ONEMAIN FINANCIAL did attempt to collect on a debt by deceptive means. Please be advised that the FDCPA is a strict liability statue and one only needs to show a violation occurred in order to be awarded statutory damages. Provable infractions have taken place and are still subject to damages payable to the consumer. ONEMAIN FINANCIAL made unauthorized charges to my XXXX XXXX account in the amount of XXXX on XX/XX/XXXX. I have submitted a copy of my bank statements and your representatives simply deny any record of the withdrawal which is a matter of record. I have even offered to arrange certified copy be sent directly to ONEMAIN FINANCIAL from XXXX XXXX. ONEMAIN FINANCIAL allowed double jeopardy reporting of the same debt with different account numbers to the credit bureaus. Please be advised I have disputed these various inaccuracies since XXXX. In your correspondence letter you explained that Springleaf Financial and ONEMAIN merged to become ONEMAIN FINACIAL and all accounts were merged into one. XXXX has record that ONEMAIN FINANCIAL was in fact reporting the same debt two times with two different account numbers and this matter was only recently corrected in XX/XX/XXXX.
03/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MN 550XX	Web
After trying to work directly with One Main, I reached out to the XXXX XXXX XXXX. In the attached zip file is my complaint to the XXXX and One Mains response. I feel this gives a good overview of the situation. Please read those documents first, the below is additional information after a response was received from One Main. To address One Mains response to the XXXX : 1 ) In XX/XX/XXXX & XX/XX/XXXX, no one with OM could explain why I had an outstanding balance. Since I did not send a personal check I had to work with customer service at both companies myself to try to find out what happened. In XX/XX/XXXX XXXX did tell me they stopped payment on the {$1200.00} check, said it would take 10-15 business days but they would reissue a check. I called and let XXXX XXXX with OM know about this. After about 10 days I called XXXX back to see if a check was sent yet. I was transferred to a Manager who apologized and said I was given incorrect information, they had already reissued a check in the total payoff amount of {$5100.00} in XX/XX/XXXX, so my loan had been paid off. From there the XXXX Manager offered to have a conference call with XXXX XXXX ( on XX/XX/XXXX ), which we had, I sent a copy of the check to XXXX. From there XXXX said he agreed my loan was paid off and would escalate this to their executive care department. 2 ) I want to reiterate the time line again. In order to get OM paid off in XX/XX/XXXX I worked with their office for 2 months, confirmed the mailing address several times, called every other week to see if they received the check. I did not have this issue with any other creditor. I received verbal confirmation twice from OM the loan was paid off & received a refund check. In XX/XX/XXXX when OM contacted me for the first time, I spent the majority of XX/XX/XXXX and XX/XX/XXXX trying to find out what happened. After XXXX XXXX escalated this to the executive care department in XX/XX/XXXX, it took them until XX/XX/XXXX to verbally explain what happened. From there I requested a written explanation of fees. The first time I received a semblance of a written fee explanation was in OMs response to the XXXX on XX/XX/XXXX. I dont understand how OM can accept payoff, then contact me 11 months later, immediately report me to the credit agencies and refuse to provide a written explanation of fees. All I would get is a bill with a total amount due and late fee amounts. I asked for a written explanation of fees in XX/XX/XXXX, it took them until XX/XX/XXXX to provide and through the whole process they can continue to degrade my credit. On top of that they can charge me penalties and interest for the year when I was unaware of any issue. I can understand if I was non-responsive but I have OM on speed dial Ive had so many conversations with them about this. Now my time frame before this becomes a serious delinquency on my credit is less than 2 weeks ( the OM rep XXXX notified me of this ). This will impact all my future loan transactions. How is it fair that they can re-open a paid off loan, almost a year later, refuse to give me an explanation of fees and demand I pay an arbitrary amount in their time frame or they will essentially ruin my credit. Through this whole process OM has treated me as if I did something wrong, they gave me short time frames for settlements or charges would continue to incur, when all I was trying to do was resolve this disaster. I was an excellent customer, never a late payment, each month I put additional towards the principal of the loan. Im concerned if I dont get a clear explanation of fees, what will stop them from coming back to me 6 months to a year down the road and telling me that again I owe them additional fees. Please help me get a clear explanation of fees and help rectify the credit score I have been trying hard to maintain. I included a zip file with : XXXX complaint, OM response to XXXX, information from the credit agencies showing the OM loan paid off, then re-opened & another showing that OM is my one debt in negative standing. I also included the copy of the {$5100.00} check XXXX sent to OM and the email I sent to XXXX XXXX with this information so he could escalate to the executive care department. XXXX ( XXXX ) XXXX XXXX Email : XXXX XXXX
05/16/2017	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	AL XXXXX	Web
I am writing you in the wake of the pain and suffering I am having to currently endure from a debt owed to account # XXXX that is owned by the entity Onemain, to whom is seeking collection of a debt of {$8400.00} this was placed on my credit report and consumer files and was confirmed via fax, phone, and mail that They are the responsible party for placing this on my credit bureau files that I do not have any knowledge of and did not authorize. I was not made aware of account # XXXX until my most recent attempt to make a purchase that required a credit pull in XXXX of XXXX , and " unfortunately '' the presence of this account that I have no knowledge of or contractual agreement with, derailed years of planning, and me waiting for the right time and the perfect opportunity to make a life changing move is temporarily being held up in the wake of a debt being owed to account # XXXX that is in my name and has been done without my authorization. I Was wanting to know how did I go from being protected by the FCRA, Federal Trade Commission, and Consumer Financial Protection bureau to this company attempting to destroymy life. What happened to me is something that the federal trade commission was founded on and that 's protection from a coercive monopoly. What happened to me was like a Brotherhood ( Monopoly ) . When my mortgage lender told me to pay on a bill that I had no knowledge of, they knew it was going to awaken that debt. That 'll I is nothing more than a brotherhood ... We wo n't lend you money ( For this home ) until you go pay my brother over there to whom the books say you owe money. They knew it was going to knock me into underwriting which was an excuse to find out all of my busine ss ( information ), only to be told two little simple oversight bc I looked XXXX good on paper besides this, paid a light b ill one time too late after the alllowed 2 yes three .... only bc I made an arrangement 3 times. And my car note was late 2 times within a 24 month period and those 2 months were during the divorce where I had no place to stay and I fell behind. They tell me in the en d what really stopped me was my 2nd job has n't been completed for two years and I am supposed to reach those two years XXXX XXXX ... .. this was and still is a nightmare. They are hurting me as we speak and I am outraged because if my credit score w ould have been good where it was a XXXX they would have not required to look at my information. They do n't underwrite rich people with perfect credit scores, so all that was was a trick to get my information. I am still in personal injury as we speak because XXXX XXXX rent increases by XXXX because we did n't renew the lease because the home we put a bid on was taken away by the actions of this company that we were supposed to move in on XXXX XXXX ironically the same date of my 2 year anniversary of my second job I 've been working only to make a move to purchase this home with. I had a 24 month plan that was derailed by this company and the monopolistic activities that led up to it. Please contact me bc I nore any American citizen who pays his or her taxes that help promote companies like the BBB the FCRA and the FTC should have to endure a halt of this nature inhibiting their right to social economic advancement. I 've lost money behind this, and I am currently in pain and suffering bc I w ork two jobs and I do n't have the time to look for a rental property and my daughter is in daycare and I am always on the move and I have right at two weeks before even more money has to come out of my pocket. I had to sell the home inspection realease papers to the person who actually got the home that I was in line to move in on XXXX XXXX what a life right. I needed the money but how should I feel about this you guys tell me. Nobody deserves this I do n't care what they 've done in life. We all try to rebuild from our past and my divorce was horrible and I bounced back and this company personally injured me. My investment of {$120000.00} investment was lost, and I lost {$3200.00} in cash money binders, paying down credit cards, and home inspection .... THIS ON SO MANY LEVELS IS NOT RIGHT HELP ME PLEASE!!!!!!!!!
03/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 550XX	Web
After trying to work directly with One Main, I reached out to the XXXX XXXX XXXX. In the attached zip file is my complaint to the XXXX and One Mains response. I feel this gives a good overview of the situation. To address One Mains response to the XXXX : 1 ) In XX/XX/XXXX & XX/XX/XXXX, no one with OM could explain why I had an outstanding balance. Since I did not send a personal check I had to work with customer service at both companies myself to try to find out what happened. In XXXX XXXX did tell me they stopped payment on the {$1200.00} check, said it would take 10-15 business days but they would reissue a check. I called and let XXXX XXXX with OM know about this. After about 10 days I called XXXX back to see if a check was sent yet. I was transferred to a Manager who apologized and said I was given incorrect information, they had already reissued a check in the total payoff amount of {$5100.00} in XX/XX/XXXX, so my loan had been paid off. From there the XXXX Manager offered to have a conference call with XXXX XXXX ( on XX/XX/XXXX ), which we had, I sent a copy of the check to XXXX. From there XXXX said he agreed my loan was paid off and would escalate this to their executive care department. 2 ) I want to reiterate the time line again. In order to get OM paid off in XX/XX/XXXXI worked with their office for 2 months, confirmed the mailing address several times, called every other week to see if they received the check. I did not have this issue with any other creditor. I received verbal confirmation twice from OM the loan was paid off & received a refund check. In XX/XX/XXXX when OM contacted me for the first time, I spent the majority of XX/XX/XXXX and XX/XX/XXXX trying to find out what happened. After XXXX XXXX escalated this to the executive care department in XX/XX/XXXX, it took them until XX/XX/XXXX to verbally explain what happened. From there I requested a written explanation of fees. The first time I received a semblance of a written fee explanation was in OMs response to the XXXX on XX/XX/XXXX. I dont understand how OM can accept payoff, then contact me 11 months later, immediately report me to the credit agencies and refuse to provide a written explanation of fees. All I would get is a bill with a total amount due and late fee amounts. I asked for a written explanation of fees in XX/XX/XXXX, it took them until XX/XX/XXXX to provide and through the whole process they can continue to degrade my credit. On top of that they can charge me penalties and interest for the year when I was unaware of any issue. I can understand if I was non-responsive but I have OM on speed dial Ive had so many conversations with them about this. Now my time frame before this becomes a serious delinquency on my credit is less than 2 weeks ( the OM rep XXXX notified me of this ). This will impact all my future loan transactions. How is it fair that they can re-open a paid off loan, almost a year later, refuse to give me an explanation of fees and demand I pay an arbitrary amount in their time frame or they will essentially ruin my credit. Through this whole process OM has treated me as if I did something wrong, they gave me short time frames for settlements or charges would continue to incur, when all I was trying to do was resolve this disaster. I was an excellent customer, never a late payment, each month I put additional towards the principal of the loan. Im concerned if I dont get a clear explanation of fees, what will stop them from coming back to me 6 months to a year down the road and telling me that again I owe them additional fees. Please help me get a clear explanation of fees and help rectify the credit score I have been trying hard to maintain. I included a zip file with : XXXX complaint, OM response to XXXX, information from the credit agencies showing the OM loan paid off, then re-opened & another showing that OM is my one debt in negative standing. I also included the copy of the {$5100.00} check XXXX sent to OM and the email I sent to XXXX XXXX with this information so he could escalate to the executive care department. XXXX ( XXXX ) XXXX XXXX Email : XXXX XXXX
08/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 70809	Web	Servicemember
I have received loans from OneMain Financial/Springleaf Financial since XX/XX/XXXX. I have refinanced my loans with them and each time it was refinanced they would transfer the balance owed along with the entire interest on the account leading to my receiving around XXXX to XXXX dollars and amount owed up to {$17000.00}. In XX/XX/XXXX, I looked on line and saw that my actual amount owed on two accounts with OneMain was less than what they stated I owed on a XX/XX/XXXX re-loan and consolidation of the accounts. I went to their office to consolidate the loans the end of XX/XX/XXXX. I was shown to a computer to electronically sign off on the documents. The loan officer explained the documents on the screen. I am a XXXX veteran suffering from XXXX XXXX XXXX and could not see the screens. So I listened to what she said and signed off on the documents. I was surprised when few days later, I went on-line and saw the amount owed was {$17000.00} for a {$2500.00} dollar loan. I have never borrowed that amount from OneMain in the seven years that I have been their customers. From XX/XX/XXXX to present, I have been ill and suffered some financial difficulties along with family debt issues due to unexpected death of my niece due to XXXX XXXX. Because of that, I missed two of my payments with OneMain. On Friday, XX/XX/XXXX, the manager from the OneMain office on XXXX XXXX in XXXX XXXX called me at work and harassed me about the late payments. I told him I would talk with him after I got from work at XXXX that morning. I called him back at XXXX am and I told him not to call me at work as this was a violation of the Fair Debt Collections Act. I told him that I would make a payment on my next payday and will catch my account up in XXXX. He continued to harass me and said that was not good enough and he needed better reasons on why I was late. I told him that he could accept my reasons and my pay plan because that was the best I could do. He then stated that I owed over {$17000.00} to OneMain and I told him that was not true and I demanded that OneMain provide me with statements showing where I received that amount of money from OneMain. He then became very conciliatory and stated that he would expect payment on my next payday. After I got off the phone with him, I contacted the main office through their customer XXXX number. I spend over an hour on the phone being passed from one individual to the next. I was told that my loan documents and statements were not available and that they would have to get the documents from the branch office. After I explained that I wanted the monthly statements from them and not the branch because I believed that I had been scammed by the office, they told me someone would contact me from their customer care team. Today, I spoke with XXXX at XXXX, option XXXX, extension XXXX and I requested all my loan documents from XX/XX/XXXX to present. She stated that she would have to look into it as they may contain propriety information and they may not be able to give them to me. I told her that they were my documents and they needed to provide them to me. During my discussion with her, she kept saying that one of the loans had a balance of over {$9000.00} dollars in XXXX and that amount was transferred to the new consolidated loan. I asked if she was telling me that the complete loan was transferred with all the interest transferred as well and she stated that the amount was again transferred to the new loan. I told her that this was wrong as the interest should have been taken off the loan because the loan was paid off and interest stops on that day. You can not transfer the amount of the loan plus the interest for a period of which the loan has been paid!!! I firmly believe that OneMain has been scamming people and transferring the loan amounts plus interest when loans are consolidated or a new loan is initiated before the old loan is paid off. I request your assistance in getting to what I truly owe OneMain and that this process of scamming customers is stopped and OneMain fined for their practices.
04/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33025	Web
On XXXX XXXX, 2016 I was contacted by an agent named XXXX at Springleaf. She advised me that my installment payment of {$170.00} due on XXXX XXXX, 2016 had not been received. I informed XXXX that I had excessive monthly obligations and would be paying late. She offered me a deferment under the condition that I make the XXXX payment that day, which I did. However, I did n't realize that I had paid {$1.00} short so XXXX called back the next day - at which point I paid another {$2.00} and XXXX confirmed the deferment agreement would be mailed to my home address. I received the deferment agreement a few days later. It was dated XXXX/XXXX/16 and signed by an employee named XXXX XXXX. I signed it on XXXX XXXX, 2016, made a copy, and placed it in the outbound bin at work. I continued to receive what I believed were collections calls from Springleaf, which I did not answer. Fast forward to today ( XXXX/XXXX/16 ) I received another call from Springleaf. The agent ( I did n't get his name ) advised me that my XXXX payment was past due. I told him that my XXXX and XXXX payments were deferred per the agreement I received. He explained that there was no deferment in place because the document was not received timely. When I protested he confirmed that Springleaf did not receive my deferment agreement until XXXX/XXXX/16. He stated that the XXXX payment was now due in addition to the XXXX payment, due tomorrow, XXXX/XXXX/2016. I told him that according to the deferment agreement, my next payment was n't due until XXXX/XXXX/2016. He stated " it is n't supposed to say that '' which alarmed me because Springleaf has apparently sent me an ERRONEOUS deferment agreement WHICH THEY WOULD NOT HAVE HONORED in the first place. He stated that Springleaf only offers " half deferments '' and " 1 month deferments ''. He then tried to blame me for Springleaf 's failure to credit the deferment agreement to my account by saying the phone calls I was receiving " should have triggered '' me to know something was wrong! I asked to speak to a supervisor and was connected to XXXX XXXX. XXXX confirmed that there were " INCONSISTENCIES '' in the deferment agreement. However, per XXXX the " root cause of all of this '' was the fact that the agreement was n't received timely. I acknowledged to XXXX that perhaps the mailroom at my job lost the envelope prior to mailing, as the previous agent did confirm that the envelope was post-marked XXXX/XXXX/16 from zip code XXXX ( my office location ). Then XXXX stated that the image of the envelope in Springleaf 's records DID NOT show the zip code it was mailed from - which means the previous agent lied to me when I asked him to confirm. In any event, my contention is that Springleaf would not have honored the agreement in the first place because it apparently offered terms that were not in line with Springleaf 's deferment programs. XXXX XXXX would not explain why an erroneous agreement which would have extended my maturity date, thus re-amortizing the loan ( hence the lower " new payment amount ), was sent to me. Instead, he started to scrutinize the fact that I did not answer Springleaf 's phone calls. He then stated that the agreement would NOT have extended the maturity date ( even though it clearly says that it does ), so I would have had a BALLOON PAYMENT at maturity ( not stated in the agreement whatsoever ), and that I did not send the agreement by the due date indicated on the agreement ( there is no due date on the agreement ). I asked XXXX XXXX to pull my phone calls with XXXX since he claims that she notated in my account that the deferment was due by the end of the month. I contend that she did not. Regardless, I simply ca n't account for what may have transpired in the mailroom at my job. The reps I spoke to today simply were n't willing to make any effort at remedying this situation. I do n't have the funds to pay at this time which is why I asked for help.
03/22/2016	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	OH 442XX	Web
My husband & I bought our first home in XX/XX/XXXX. We realized we needed lots of stuff and got a " stated value loan '' through XXXX. Never heard of it before, but trusted it was something legal. I told them what I thought the house was worth and they gave us a loan for the difference from what we owed to that amount came and it came to {$25000.00}. The interest rate was 15 %, but it is a 15 year loan so I figured that is plenty of time to pay it off. We went to the appt. to sign. Everything was fine and we were almost done with the appt. when he says XXXX paper to sign and it was for the balloon payment. I said hold on I do n't want this loan anymore. He said you will be fine as long as you pay a little more than the minimum every month. We have paid more than the minimum every single month for almost 10 years and we still owe {$24000.00}. We have borrowed against it, but only around {$4000.00}. Even at borrowing {$4000.00} over 10 years, one would think the loan would have been paid down a lot by now. We ca n't afford to keep throwing money at this loan anymore. The loan was sold to Springleaf. I have tried several times to get help from them, but I have received minimal feedback. I asked to drop the interest rate and they said that was not even an option. I was told I could do a modification, but it would only be for 6 months and " I probably would n't get approved anyway '' but with no reason why the person said that. So I said ok I guess I will keep paying. That was in XX/XX/XXXX. We ca n't keep paying so I called this year to offer a settlement. The first person I talked to said to offer at least 50 % so I offered {$15000.00}. He said he would call me back with the decision. Never rcvd a call back. Call back ... denied. This person said you have to offer 75 %. I do n't have 75 % so I offered {$17000.00} which was around 68 %. They came with a counter of {$23000.00}. That is just under {$2000.00} of what I owe! I am trying to be a good consumer and give as much as I can. I have paid enough with this loan. I have heard that XXXX was being investigated for predatory lending/illegal lending and that is why they sold all of their loans. I have paid more than the minimum every month except I missed XXXX 's payment as well as XXXX and XXXX 's payments. I just ca n't pay anymore. So the question of " which part of the mortgage process is your issue related to? ", I could n't pick just XXXX. Applying for the loan because I feel that the loan should never have been given to us. I trusted the company that it was a legit loan, but then they were investigated for predatory lending and I feel that is what happened. We received XXXX flyers in the mail and calls. We were young and dumb and now see we should have never got a loan with a 15 % interest rate and a " stated value loan '' which no one else offered. We also fall into the category of signing the agreement. We were all done signing and then he brings out the balloon payment paper and said as long as you pay a little more than the minimum, you will be fine. Again, I believed him and he just wanted to get the loan is all. And finally, we fall under the problems when you are unable to pay. Springleaf has been no help whatsoever. They are rude when I call and offer no help at all and tell me you can apply for a modification, but you probably will be denied. So, what is the point then and a modification of only 6 months really does nothing. And then I was able to offer {$17000.00} to settle the loan ... the most I have ... I would be borrowing money from my parents ... and they came with an offer only {$2000.00} less than what I owe! I ca n't afford to pay my parents back plus still have the Springleaf loan. I have called several banks and lenders, including my XXXX mortgage lender. No one will not touch this loan. We are underwater on the house and this loan is worth nothing anyways. We are at a loss as to what to do.
02/07/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CO 804XX	Web
I closed on a personal loan from Springleaf on XXXX in the amount of {$2500.00}. Interest rate in the LOAN AGREEMENT AND DISCLOSURE STATEMENT dated XXXX, page XXXX, indicated a : CONTRACT RATE of 26.26 % per year. On page XXXX of the above statement is the following : GOVERNING LAW. The laws of the State of Colorado shall govern this Agreement, except as preempted by federal law.I read in the XXXX XXXX that on XXXX, Governor XXXX vetoed House Bill XXXX, pertaining to subprime loan interest rates, partial quote from said article below : " Gov. XXXX XXXX vetoed a bill Thursday that would have caused people who borrow from subprime lenders to pay up to 36 percent interest on the first {$3000.00}. Lenders can continue to ask for 36 percent on the first {$1000.00}, but from {$1000.00} to {$3000.00} the interest rate remains at 21 percent and 15 percent for all amounts over {$3000.00} " Key in those excerpts is in the second paragraph, which states that : '' Lenders can continue to ask for 36 percent on the first {$1000.00} ... '' '' ask '' being the operative word.Further research indicates that the original Colorado statute that deals with subprime loan rates is in Colorado Revised Statutes, the applicable section as described below : Colorado Revised Statutes, XXXX speaks of limits on interest rates for various loan amounts, too verbose to include here. Key in the XXXX passage is the phrase " may contract for '' 36 % on balances less than or equal to $ XXXX.I contacted Springleaf Customer Service on XXXX by phone in an attempt to get an explanation of why my loan 's interest rate was higher than 21 %, since the amount financed was {$2500.00}. They were unable to answer my question and transferred me to Springleaf 's Executive Customer Service representative XXXX. After my explanation of why I was questioning the 26.26 % interest rate, XXXX indicated that she 'd have to consult with their legal department and that she 'd contact me upon receiving Legal ' s opinion.On XXXX I received a call from XXXX informing me that the legal department was still looking into the matter and that she 'd contact me when they reached a conclusion.On XXXX, I received a call from XXXX in which she stated that, according to Springleaf Legal, the first {$1000.00} of the loan had its interest rate set at 35.99 %, and the remainder of the loan balance was under a 21 % interest rate, hence the " blended '' rate of 26.26 %. She stated that Legal felt they were not violating Colorado law since in this case a split or blended interest rate was applied to the loan.NOWHERE IN ANY OF THE SPRINGLEAF LOAN DOCUMENTS I READ, SIGNED OR WAS GIVEN AT CLOSING WAS ANY MENTION MADE OF A 35.99 % INTEREST RATE, NOR WAS ANY MENTION MADE OF A SPLIT OR BLENDED INTEREST RATE.It is my contention that this loan was offered under fraudulent and deceptive pretenses, since absolutely no mention was made of the usurious rate on the first {$1000.00} or of the split/blended rate to be applied to this loan 's balance. This was not a {$1000.00} loan, it was a {$2500.00} loan.I was also told that since this was a short term ( 3 years ) loan, the 35.99 % rate was applicable. I was n't aware that a 3 year loan was considered a short term loan. Had I been aware of the splitting up of the loan balance into the 35.99 % and 21 % rates, I WOULD NOT HAVE ENTERED INTO THIS CONTRACT and would have sought the needed funds elsewhere. I was never informed of a split 35.99 % interest rate until I questioned Customer Service about it. It is my opinion that the split interest rates I 've described above were applied in a disingenuous and deceitful manner and that this was executed by Springleaf as perhaps an attempted work-around to the recently vetoed XXXX to defeat the intent of XXXX XXXX. No attempt whatsoever was made to inform me of a tiered interest rate structure for my loan. The loan amount was for $ XXXX, not XXXX
01/16/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	PA 15301	Web
I attempted at to generate a personal loan through One Main Financial. XXXX from the Washington, PA office called me at the end of XXXX. I was told that they are now offering to do an auto refinance and take a personal loan out with a refinance. I have had some credit issues and I was taking out the personal loan to get caught up with some bills and expenses. I was told that if I made XXXX payments to my mortgage company they could get the loan done, that they had talked to underwriting and a manager and pushed it through. She asked me if I could make the payments to my mortgage company then, which I could not and I said I could make them later in XXXX and she said ok that 's fine and that the loan would just stay in pending. I then got a letter from One Main saying that my loan application was still there and they were waiting on additional information, which would have been the proof that I made the XXXX payments. So on Tuesday XXXX, I called One Main and I asked them just to confirm, " As long as I make these XXXX payments they will they will get this loan done. '' I said I have late charges on my mortgage too and they told me no that I just needed to pay the XXXX regular mortgage payments. On Wednesday, XXXX I called my mortgage company to make the payments. Thursday, XXXX morning I sent them a screen shot from my XXXX, showing that I had made the payments and I had also called them at about XXXX when they opened, at about XXXX I called them back and they stated they were working on another application but that she would get back to me. By XXXX I still had never heard from her and I called her back again and at that point she told me she was doing everything she could to push this loan through, and I said that I did n't understand because she had told me all I needed to do was make these XXXX payments. I then said, " Well what 's the problem? " XXXX stated that they told her its because I had late charges still due. I said that does n't make sense. She agreed and said, " I know, I do n't know what the problem is because you made your XXXX regular mortgage payments. '' I than emailed them proof stating that my loan was just due for XXXX XXXX, 2016 which was what XXXX told me it needed to be due for ( I was XXXX payments behind, they wanted me to make it due for the current month to approve the loan - as XXXX explained ). I never heard back from XXXX or XXXX the Manager in Washington. I called back again and spoke with the Washington Manager XXXX, he said that he was going to talk to his District or General Manager about it and get back to me and never did. I called on Friday, XXXX early in the morning because I did n't hear back from XXXX. He insisted that he did call me back and I have no missed calls and none in my call log at all. I also verified through XXXX that I did not have any incoming calls from One Main the evening of XXXX and have proof of this. XXXX stated that he had talked to XXXX and she said she never told me she would get the loan approved. I stated XXXX is not telling the truth and he could n't even tell the truth about calling me back. I asked him if he felt his business had INTEGRITY. He said it did. They lie - that 's not a definition of integrity. I asked XXXX if he could call me and leave a voicemail on my cell phone with his bosses contact information ( I was driving and could n't write it down or put it in my phone ). He said he could n't do that due to state regulations. I asked him what this specific regulation was as I 've never heard of anything like that. He then stated it was internal policy. Again, lies. My issues are that they set up terms for me to obtain this loan and they told me that it would be obtained if I made XXXX mortgage payments. There was a clear verbal agreement where both parties had a mutual understand of what needed to be done. There was no misunderstanding it
05/23/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30008	Web
On XXXX XXXX, XXXX, I applied and was approved for a personal loan with OneMain Financial for {$4500.00}. About five months later, I started receiving offers due to my relationship and payment history to increase my loan amount up to an addtl {$3500.00}. In XXXX XXXX, I decided to increase my loan. I spoke with XXXX XXXX she told me she was on another call and she would call me back. I waited 3 days never received a return phone call. So I called back again. XXXX then took my app and informed me that she would need certain documents from me. She needed copies of my student loan payments, and a collection account ( which is now deleted ) So I faxed requested documents. After receiving no phone calls, I got to work the next day and again called to the branch and spoke with XXXX XXXX. I asked her if she could confirm that my fax was received. She had spoken with XXXX and no fax was received. But however XXXX told her to let me know that the loan is being rejected. I asked her why. She told me that my student loan debt to income was too high. I informed her that my student loan payments are {$0.00} and that I am on the Federal income-based repayment option. This is the same repayment plan I was on when I first was approved for the loan with OneMain Financial in XXXX. I also told her that the individual that did my loan last year needed to verify my student loan payments separately. He was saying there would be no way I could afford the student loan payments that he was showing. I told her that I have had my student loans since XXXX and nothing has changed so I was concerned. XXXX told me she would speak with XXXX and they will call me back after reviewing some things. Again no calls, I called the OneMain Financial call center and asked if the status of my application could be verified. The rep told me that the loan was rejected but it did n't show why. I, then requested to have my current loan serviced by a different branch. I was given the XXXX branch phone number and I spoke with XXXX XXXX. I explained the whole situation to her. She pulled my file and said that it looked like my local branch may have done some wrong calculations. She also let me know to transfer my current loan, I would have to get approval from my current Branch Manager. After placing me on hold and speaking with my current branch, she asked if could call my local branch back at XXXX to give them time to recalculate it. When I called for an update at XXXX, I was told by XXXX XXXX this is what is being reported to XXXX and if I have a problem with it, I would need to dispute it with XXXX . I told her that I have credit monitoring so I have access to my reports and can see the amounts that are being reported so I ca n't dispute correct information. I told her that the fax that I sent showed my student loan payments and cycle. She informed me that they threw away the documents that I sent over. I asked, was that standard practice and she said yes. I then thanked her for her time, hung up and called my student loan servicer to get clarification on what was being reported to the Credit Bureaus. The agent told me, my payments are {$0.00}. I asked the agent would he mind being on a conference call with OneMain Financial. He said that 's fine. I conferenced the call and he confirmed my payments he also said he could send them a statement with my permission XXXX XXXX then got on the phone said she was the District Mgr we are not going to continue the runaround. And if she was to offer me any addl funds it would be for {$730.00} a month for the next 12 months. she said but she wo n't even approve that because she knows that I ca n't afford it. My loan is being rejected any income-based loans payment on an app is unacceptable. She told me that I would receive a letter and that 's her final decision regarding my loan.
09/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 770XX	Web	Older American
I am a XXXX XXXX and they are using it to take advantage for the bottom line. On XX/XX/19, I made a payment in the amount XXXX and again on XX/XX/19 in the amount {$200.00}. Although the payment was made on XX/XX/19, One Main decided to reverse the payment stating my credit union could not find the account. One Main stated they had the same account file that deleted several months prior to this payment. Why was it still listed? Due The account had XXXX and should have cleared with no problem. I entered XXXX in the system to process but their system changed to the account number they had on file that created an issue. On XX/XX/19, I called the Branch and was told they could not talk to me because I filed a complaint. XXXX ( Branch ) told me she could not provide any information on my account so I asked to speak with XXXX ( Manager ). XXXX stated he was in the office with another customer. Out of curiousity I called back and XXXX answered the phone and he told anytime customer files a complaint on them they can not speak to any longer. I called the Executive Office and spoke with XXXX ( POC ) where she told my account had been flagged for the Branch not to talk to me. How am I do get information on my account to resolve the payment issue? The information would have allowed me not use the account for payment or see if there was something else going on. Executive penailzes the customer if they challenges any decision they make. I feel that the issue with the payment was cause my account to become past due so they could repo my vehicles. This is how the District Manager, Manager and now the executive office exceed their bottom line is to repo and sell the customer vehicles. I am very uncomfortable with this company tactics. As soon as I completed a call with the Executive Office ( XXXX ), she entered an updated which shows how unethical they are. It doesn't matter how it affects the customer as long as they're not caught. This is really scary!!! If they are dong this to me, they're definitely doing to other customers. They may not know they can contact CFPB for assistance. I have a list of customers that are willing to contact you now with the same issue. Therefore, I provided your website and they are afraid One Main will repo their cars. Some of the customer couldn't afford the loans and One Main new it but add their vehicles. I've attached a statement that reflect how One Main works. I could not upload to the system so added the information below : This is how the District Manager is handling customer loan and repo the vehicles. Repossession are not supposed to be submitted until customer are 31 days past due. Once they are submitted for repossession the branch employees nor managers can not call the customer for a payment. There is a repossession department that calls the account. He would sometimes have branch managers and or himself call after the repossession was submitted. When applying for a loan you had the option to get a secured or unsecured loan. Some only qualified for secured only. He would encourage us to pick up collateral on a loan no matter what. He would encourage us to not give the customer the option to get a unsecured loan. This is from my Branch District Manager : Extremely light day on the lending side with back days of just 1 XXXX XXXX. It will allow them to start cranking out some XXXX XXXX/secured business! Although the Underwriter approves a customer for an unsecured loan this Branch Manager have the employees tell the customer One Main needs collateral for the money they loan. I have several documented instances of this secured District Manager Decision vs unsecured ( Underwriter Decision ) loans. I would be happy to provide once One Main is investigated for pushing loans customers are approved for or should have the loan.
03/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL XXXXX	Web
I received bad customer service and was threatened and attacked by Branch Manager XXXX XXXX. OnXX/XX/XXXX at approximately XXXX XXXX, I initially spoke with one of the Customer Service Representatives in reference to my Personal Loan account. She could not assist me with all of the questions I was asking and gave the phone to the Branch Manager, XXXX XXXX. I proceeded to speak with him to get a better understanding of my account location, as of to why my account was at his location and to get clarity on why I have extended payments for another almost 4 years. XXXX began to explain to me that my prior office closed and my account was closest to his office location and was assigned to his branch. He then began to review my account to give me feedback and began to tell me that, my problem is not my account, the problem is me making payments. At this point, I was utterly shocked at a manager stating this to me. I then begin to ask him to send me a copy of the loan agreement that I signed and he instantly was huffing and puffing in frustration. I began to ask him a question and he states to me that " if you give me time and stop interrupting me, I can get you the information ''. He began defamation of character with his rude remarks. I became very upset and asked him who in the XXXX do he think he is and that he does not know me. He immediately hung up the phone on me. I call the branch back and asked him for his Regional Manager 's name and number, and he gave me the name " XXXX XXXX '', who he states that is at the XXXX, AL location. I asked him if that's how their business is structured with a Regional Manager being local? His remark back to me was, I tell you what, if you don't pay, I'm calling my attorney so you will pay. Then I asked for her number and he refused to give it me and instead, but insisted on giving me the Corporate number and said you didn't know. That's how this works, you get the corporate customer service number. I call the number he provided and received a representative by the name XXXX. I told her that I wanted to file a complaint about a Branch Manager XXXX XXXX and to request to have my account moved from this location and to move the XXXX XXXX in XXXX, AL location, and to also see about my account being extended with payments for another almost 4 years. I explained to her the original term of the loan was for 60 months and that this year will make 5 years. XXXX stated that the investigation would take 3 to 5 business days. This time went by and received a call back from that basically, she did not apologize for her Branch Manager 's behavior, and that he would be corrected. Secondly, she stated that I would receive a copy of my loan documents that I signed that I refinanced, and she also stated that I do in fact have almost 4 years left on the loan and that I could make more than the payment amount to get the loan paid off faster. As for my request to have my loan moved from that branch location, she stated that I could call that Branch about my account and just speak with someone else and that she could not put in a request for my loan to be moved from that location until my payments were current, and at this point, there was not a guarantee that my account would be moved. I have been paying on this installment loan since XXXX. This year will be 5 years. I have a very high interest tact on to this loan for 34.99 %, for a {$6000.00} loan. Essentially, this company is stating that I have another XXXX XXXX years to complete the loan for a refinanced amount of {$4600.00}. This was not my intentions to refinance or extend the life of the loan, I simply wanted to lower the payments because it is getting to a point that I can not afford the payments.
08/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60502	Web
I have had loans with this organization for 10 years. Due to messy tenant situation, eviction, and legal fees, I fell behind for the first time ever. With the help of their team and customer service, we arranged a hardship that went into effect in XX/XX/XXXX for 1 year to help me out with reduced payments. The payment option I chose was every other week at a fixed amount, reduced from the contract terms. In XX/XX/XXXX, I called to see how much longer I had the hardship because I noticed I had an offer to get more money and was surprised since I was on a hardship. I was told it was effective until XX/XX/XXXX so it was better to not get a new loan at this time. On XX/XX/XXXX, I receive mail from thier collection department that I was behind and to call. I immediately called because I knew the payments were automatically debited and I always had ample funds in my account. I spoke to a Collection Rep who informed me that the last payment was in XX/XX/XXXX, but then stopped. After her research, she said it was stopped because when the representative at One Main set up the hardship in XX/XX/XXXX, she could only set it up for 12 physical payments, so it had to be set up for the rest in XX/XX/XXXX. Clearly, this is an internal glitch or programming issue that I was not made aware of. The rep said she believes someone was supposed to go in and add the next 12 in XX/XX/XXXX, but could not confirm if that person forgot or expected me to call when I noticed it was late. Clearly, this is unacceptable because no one told me that in XX/XX/XXXX AND if I knew that, I would have done the monthly payments instead of the twice a month to avoid this problem. I then proceeded to ask the Collection Rep why no one has called me and a letter was sent instead. She indicated that someone told them to stop calling and take the number off file. I asked who, because it was not me. I have always spoke to One Main when I experienced hardship because I was always satisfied with thier service and assistance. She did some digging and said that a female answered and told One Main to stop calling. I told her that I am the only one on the loan. She pulled up the notes and then said that they had called my wife 's number to reach me ( I set her up as a reference, but not an authorized representative ). My wife told them to not call because it was her cell phone and she is at work. I then asked the Collection Rep if my wife requested to stop calling HER number, why isn't anyone calling me. She added that when the One Main representative spoke to my wife, she must have accidentally placed a " do not call '' on all numbers. This is very worrisome because my wife has no authority to remove my number or make changes to my loan. She is not a signer or authorized user. The Collection Rep said that I am now over 45 days late and I verified they are reporting this late on my credit, which is negligent and at the fault of poor service when the hardship was set up and by the phone representative that spoke to my wife in XX/XX/XXXX. In addition, when I called to see how much longer on the hardship in XX/XX/XXXX or XX/XX/XXXX, why didnt the representative tell me there was no more payments scheduled or that it was late? I have no control on how the payments are set up on their internal system and I am being held accountable for that. Now, I have lost the hardship because I broke the agreement and I took a hit on my credit. I was told that I can make the last payment and re-apply for a hardship but feel victimized. The worst part is that I am in the middle of a background check for a job ( in the finance industry ) and I have a current late on my credit.
03/11/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 65101	Web	Servicemember
XX/XX/XXXX Complaint : Debt Collection Company : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX OneMain turned our account over to an attorneys office on XX/XX/XXXX which was the same day I called OneMain to try to resolve the debt collection. This was due to a situation that it had been in a debt settlement negotiation company that was not resolving the debt with OneMain. We pulled our account from the debt settlement company, XXXX XXXX which we are in the process of submitting a separate complaint to the CFPB. We spoke to XXXX XXXX with the attorneys office on XX/XX/XXXX who told us to submit our bank statements, and financial statements, plus contract with XXXX so he could submit a proposal to OneMain for a payment arrangement. We complied and sent all information on XX/XX/XXXX with no response from XXXX XXXX or OneMain. I continued to follow up with emails which are included, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, plus numerous phone calls directly to XXXX XXXX extension for all three months with no reply in regards to a payment plan with OneMain to resolve our debt. We found out by way of solicitation of other attorneys to represent us in the suit against us filed on XX/XX/XXXX by XXXX XXXX XXXX XXXXn behalf of XXXX XXXX XXXX XXXX for failure to pay our debt. Then went onto Missouri XXXX XXXX and we were able to pull it up on Thursday XX/XX/XXXX. We NEVER received one letter, email, or phone call, from XXXX XXXX XXXX that OneMain had declined our financials for a payment plan. Nor did we EVER receive a letter that OneMain was going to sue us through XXXX XXXX XXXX. We pursued XXXX XXXX XXXX as you can read in our emails from XXXX through XX/XX/XXXX, and can provide our cell phone records from ATT all the outgoing calls made to XXXX XXXX XXXX for those months also with no response. We made every attempt to make arrangements to pay OneMain and ultimately did after contacting OneMain directly on XX/XX/XXXX. I spoke with XXXX XXXX XXXX, and set up payment arrangements for 6 months for {$50.00} ACH out of our checking directly to OneMain, NOT XXXX XXXX XXXX. XXXX XXXX then told me to contact him in XX/XX/XXXX to renegotiate a new payment plan before our last payment of {$50.00} in XX/XX/XXXX. XXXX XXXX group sent a Stipulation Agreement letter that outlined the details of the payment plan which we had to sign. The Stipulation Agreement letter wasnt even close to what XXXX XXXX and I discussed and setup on XX/XX/XXXX, which I marked through and changed on the letter from XXXX XXXX XXXX. We sent it back certified mail so XXXX XXXX XXXX would have to sign for the Letter acknowledging acceptance of it with the corrections. This is included in additional documents with the complaint. Now it is XX/XX/XXXX and I started calling XXXX XXXX XXXX at One Main to set up new payment arrangements XX/XX/XXXX and can not get a response back. We have complied with the payment agreement and wish to pay our debt, but OneMain sued us before without any notice or provocation even after we did our due diligence to try to correct what XXXX did with our creditors including XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX should be looked into for their so called collection practices, having banking and financial statements that we have no idea what they did with. We received no communication from OneMain that they were turning our account over to XXXX XXXX XXXX, no communication from XXXX XXXX XXXX they had our account in their office, then once they had all our financial information NO response other than being sued and incorrect Stipulation Agreement. All information is included with the complaint.
08/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28216	Web
Re: account number XXXXI got this loan originally in XX/XX/XXXX. I made all payments on time and then lost my job. I still struggled to pay on time until XX/XX/XXXX when i fell behind 90 days. I asked for a modification and one was granted. I paid a reduced amount and was told when the modification ended i would be brought current and would then return to pay my original amount. I did everything that was agreed upon. I set up auto pay and the funds came out of my checking account monthly. In XX/XX/XXXX i was contacted by a representative saying my account was past due even tho i was on auto pay and they had been taking payments from my checking account monthly.I asked the lady how i could be past due when i had a modification that bought me current and made all payments there after on time.She at first had no idea why i was late but all she could tell me was that i was late. After speaking to her supervisor i was told that the reason i showed up past due to was because my due date was on the 15th but my auto pay had been set up on the 20th so i was being charged interest and fees for late payment.I then advised that i set the auto pay up with a representative who told me i could pick any day to pay up to 5 days after my due date because there was a 5 day grace period and i wouldn’t be penalized.So months after paying automatically on the 20th i get a call saying well the grace period isn’t really a grace period and you are still charged late interest fees.I asked why that wasn’t communicated when i set the auto pay up. I was extremely frustrated because if they hadn’t told me there was a graven period i would have set the auto pay to come out on the day the payment was due.At that time i was told that if i made an extra payment they would bring my account current.Almost a year later XX/XX/XXXX i get another car once again saying i am past due. This time they say I owe about 400 in late fees.I explained that i pay monthly and never missed any payments after my modification. I then referenced the convo i had with their representative a year prior when i was told the whole issue was taking care of because they set me up for payments under the impression of a grace period that does not exist.During that convo i requested a break down or my payment history be sent to me. What i received was an illegible leger that a consumer can not decipher what was paid and when.The next thing i know i get an alert that my account is 30 days past due on my credit profile.I called the company and again said how is this so when i am on auto pay. They advised that my auto pay was only set up for 6 months and that XX/XX/XXXX payment never was set up to come out.Now i am beyond frustrated because i has spoken to a rep in July that never mentioned my auto pay was expiring. I now have two issues. One i want the 30 day late removed from my credit. The balance is all fees that should have never been assessed based on their representative falsely advising me of a grace period.Also i want this company investigated for unfair and deceptive business practices.It is misleading and unlawful to lie and tell a customer that there is a grace period and they can choose any date up to 5 days after their due date to pay through auto draft with out explaining to them that there’s is not really a grace period and they will be accessed late charges in the form of interest.This company already charges a 22% interest rate. They have taken advantage of consumers like me.I want this account to be removed all together. I think what they have done is illegal and dishonest to the consumer.
06/14/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	LA 714XX	Web
I am requesting to file a formal complaint against One Main Financial for several factors : high interest bearing rates, the hardship of paying loan with no resolution, misleading information on credit report, the 11 month time frame that the company reported information, vehicle was repossessed and sold way below its retail value. On XX/XX/XXXX I, XXXX XXXX applied for a loan with One Main Financial to only pay off a few credits. They advised me that I was unable to get the loan unless I allow them to purchase the XXXX XXXX XXXX from XXXX XXXX and hold the title as collateral. I was very gullible and incompetent of the high interest rate and high bearing interest on the loan. They initially told me the loan was going to be XXXX a month then the loan officer advised me to put liability insurance, which increased the loan to XXXX a month. I paid this company One Main Financial faithfully every month on time. On XX/XX/XXXX, when I voluntary return the collateral to One Main Financial Branch Manager, XXXX XXXX threatened me by directly and verbally telling me that they could garnish my wages up to 25 %, sue me in court, and potential damage my credit. I had better knew what I was getting myself into. This is why I strongly feel that One Main Financial just now reporting my credit profile 11 months after just so that they can potential damage my credit more. As long as I was paying them they never reported any information on my credit report. Throughout the months of dealing with One Main Financial I communicated with them to find solutions that would resolve the high interest rate. All the employees in the XXXX, LA Branch know how faithfully I would call to seek help in reducing the interest on this loan. I was unaware that One Main Financial charged a high interest to customer to pay for insurances. I requested that they allow me to trade the vehicle in on several occasions. They demanded that the entire loan be paid off. I tried getting the vehicle refinanced through Banks and Credit Unions, but the loan to value was entirely to high, and no financial Institutions refused to roll over such large equity. After I canceled the disability insurance the company still charged me for having the insurance every month by refusing to re-modify the loan. The interest rate was so high on the loan that the amount was never decreasing. After the repossession One Main Financial is requesting that I still pay XXXX with a past due balance of {$2800.00}. Again, One Main Financial refuse to re-modify the loan to the deficiency balance of XXXX One Main Financial still forcing me to pay the past due balance of the loan after I returned the collateral. I returned the collateral prior to being 30 days late. So the loan is approximately 90 days late and they have already closed the account, and never sent any billing notice or statement. One Main Financial never reported this on my credit report until now XX/XX/XXXX. The entire time I was paying them on time. The information was never reported on credit profile until I defaulted on the loan. The XXXX XXXX XXXX that was repossessed and sold for less that the value of the vehicle. The XXXX XXXX XXXX had only XXXX miles, new tires, oil change, new battery, new headlights. I have documentation to proof. According to XXXX the SUV retail value is approximately between $ XXXX-XXXX.One Main Financial report on my credit report that the repossession was an involuntary, which is misleading information because I turned the vehicle in to their XXXX Branch Office Manager , XXXX XXXX on XX/XX/XXXX.
08/09/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IN 46222	Web
it recently came to my attention that springleaf financial services and XXXX company are involved in fraud and forgery, on XXXX separate loans springleaf financial took money from my loan proceeds and purchased private life and accidental death and dismemberment insurance policies other than the credit loan products that are usally offered when taking out a loan. springleaf financial failed to disclose to me that these unrelated private life insurance products were added to my loans I had no use for these products I had already purchase the credit life policies I needed. The loan documents put before me were not the documents that were neatly packaged by springleaf prior to disclosure. leading me to believe that the documents put before me were the same ones in the package which I did not examine at that time. I was completely unaware that springleaf ever sold these private life insurance policies and to top it off springleaf named themselves lien holder of these policies they stole money from my loan proceeds to purchase. springleaf nor XXXX never sent me any policies within thirty days to examine nor did they include signed certificates of insurance in either loan package I knew nothing about these private policies. I first contacted merit life insurance after becoming aware on XX/XX/XXXX about one of the policies after discovering this while checking to see what my pay off would be. after this XXXX XXXX sent to me a forged certificate of insurance they ordered and that I had never seen before or signed for {$26000.00} dollars that did not expire until XX/XX/XXXXand the policy sent to me does not even have the policy number on it. if I had ordered this policy I surely would have named a beneficiary but there was none and if I had not discovered this springleaf and merit life would still be in possession of this policy long after my loan had been paid off. these documents are being forged by cut and paste from other documents I may have signed. after this I checked a previous loan and sure enough springleaf and XXXX had included a private life insurance policy and paid for it with my loan proceeds I only owed XXXX dollars which I had already taken the credit life insurance to cover this loan. The undisclosed private life insurance policy was for {$7700.00} this is {$5000.00} more than my actual loan this policy did not include a beneficiary either, and another question who orders a life insurance policy for the odd amount of {$7700.00}.? this took place in XX/XX/XXXX the most recent undisclosed private life insurance policy took place in a loan in XX/XX/XXXX so this tells me this is a intentional common practice of springleaf financial and XXXX this is why they are so rich just think if a private insurance policy is added to every customers loan without being disclosed and is not discovered because this information is hidden on the backside of the page of the loan disclosure documents put before the customer during disclosure by springleaf csr who intentionally fails to flip the page over that states they first offered me the loan proceeds they used to purchase these private policies which is a total lie. Do you actually believe that I would take out XXXX of these policies that cost almost more than the loan proceeds that I received? All of the customers loan documents dated XX/XX/XXXX through XX/XX/XXXX should be checked for these bogus life insurance policies that were added and not disclosed to customers in order for springleaf financial and merit life insurance companys benefit.
12/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76542	Web	Servicemember
One main financial is aware of my financial hardship. On XX/XX/XXXX I spoke with XXXX XXXX XXXX on my financial hardship. I sent my proof of hardship via paystub to her e-mail at XXXX. She responded thank you. Within the next couple of hours XXXX XXXX alerts me One Main Financial ran my credit. The next day XX/XX/XXXX corporate calls to bug me about non payment after speaking with XXXX the day before. One Main Financial called me and said they see the note on my account it is typical procedure for it to take two days. That it is typical procedure for them to call because often times they do not know about the note.The main issue is. I was unaware of a hard pull and that it was apart of the process until I spoke with XXXX XXXX. Then he goes to tell me that the process was stopped because I e-mailed XXXX XXXX the next day of this issue. According to XXXX I said I wanted to " stop '' the process. I never said I wanted to stop the process. I said I want the inquiry remove. Here is my e-mail : On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX My credit report said I had an inquiry from one main financial. I was unaware a loan payment adjustment resulted in a hard pull. I am asking for the inquiry to be removed since I did not authorize it and was unaware. I am trying improve my credit within the next couple of months. Thank you XXXX XXXX This is the second inquiry One Main Financial has done unauthorized without my approval. XXXX XXXX goes to say I am behind for XX/XX/XXXX and now XX/XX/XXXX. It does not matter if you always make payments on time. You get behind three days the XXXX office blows up your phone and corporate. Once XXXX tells me I have to catch up despite my hardship I told him sorry I do not have it and hung up. I am upset now. I am upset because I had this loan for too long. I am almost done paying it. I have made a lot of steady payments rarely late. I often make triple the amount of what is even dued. For you to pretty much say to me you can not help me is annoying. On top of the situation XXXX never e-mailed me back to say you received my last e-mail. I kept getting phone tags back to back from the office and corporate because they stopped the process. I am in hardship a soft pull would suffice. What are you gaining by running a hard inquiry? If that is your policy why was I not told? If the process was stopped why no one sent me a letter or called instead of leaving voice messages to say my account is overdue. Not one voicemail to say to your loyal customer about what happened to the process until I eventually had to call back to see what is going on why they keep blowing my phone up. I need the company to remove all recent inquiries and acknowledge my financial hardship. If you can not help me as a customer I can not help you as a business. This company already gets a bad rep throughout multiple credit groups. I was with them when they were Springleaf Financial in XX/XX/XXXX. I even recommend a friend or two to them in which I warn to referrals to pay off as fast as you can. Do not take out more than what you do not need. I hope that a resolution can resolve from this. I only need help until next year XX/XX/XXXX from this company to work with me. That is only three months. XXXX XXXX tells me it is " too late, '' for the process. I do not ever believe something is too late and a company can not do anything for your situation. Your customers is where your money is and how you maintain your business. Thank you XXXX XXXX
08/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	GA 30161	Web
The issue i have with OneMain is that my bank account was compromised, i called them and let them know to stop the auto payment and that i would be making the payment via money order. Then the harassing phone calls started they were calling 3-4 times a day, it was shortly after after i advised them of the issue with my bank account AGAIN and let them know that i am working on getting this resolved. I had never been late or missed one payment the whole time i have been a customer with this company for at least 7-8 years. My bank account was closed and i was out a lot of money for several months why the bank researched the issue. when i finally got some of my money back, i was behind on my car payment, house payment, utilities. Then XXXX the manager at this XXXX Ga location was calling me several times a day and saying i needed to catch the account up and it was so far behind, i advised her just like i advised the other ladies in the office that i would be sending in or dropping off money orders in the amount that i could pay until i get back on my feet. well i did drop off money orders in the drop box of the office and they were returned to me via XXXX with a letter saying i needed to pay the whole amount that was past due. i could not do that. i was just trying to catch up on my House Payment and car payment, the loan was honestly the last thing i was worried about. So i called the district manager and she never returned my calls. i was trying to let her know what was going on and that i did n't want to deal with the XXXX office any longer they were not helpful and did n't care or understand any ones issues, now i have received a letter from there attorney in the mail saying that there gon na sue me. i have tried to pay on the account what i could when i was employe, they REFUSED several of my payments, and are reporting negative on my credit after it had tried to pay them several times just not the full past due amount and what i left in the drop box was returned vis XXXX. i am now unemployed. this office is RUDE to deal with they will do anything NOT to help you when you in a bind, i have gave this company more all of my business for so long, but i would n't recommend them to anyone. The manager is HARASSING and rude to customers that have hit a road block in there life and needed someone to work with them. i will be speaking with an attorney i do have the letter that was mailed back to me with a copy of the money order that i sent in to them, when i was trying to pay the payment was refused by XXXX the branch manager, her name is the one on the letter that was sent back to me via fedex. Then the customer service center was calling me every day several times a day from all different numbers, i ask them just like i ask the office NOT to call my phone i would follow up with them when i could pay, well there still calling they called me 2 times today. this company Harasses there customers, i want this debt wiped off my credit and reported accurately. Someone should really monitor this office and see how they are treating the customers. ALSO when i took out the loan i was not given a option to decline the OPTIONAL insurance products, when i contacted the office they told me that i had already purchased them and that i could not get them removed off the loan and that amount refunded back to my balance. So also they are not disclosing that the insurance products they offer are OPTIONAL, they are MAKING the customer take the insurances.
12/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 386XX	Web
On XXXX/XXXX/16, approximately at XXXX. I received a call from XXXX ( Store Manager ) at One Main in XXXX XXXX, XXXX XXXX was calling to confirm that I was paying my scheduled payment on XXXX/XXXX/16. On XXXX/XXXX/16, I spoke with XXXX and another female associate while I was making an in office payment. During this time, I confirmed that the next payment will be made on XXXX/XXXX/16. While in the office, the female associate ask me if I want to refinance my loan and I told her " No ''. I also told her that someone else had called me previous ( in XXXX 2016 ) and asked the same thing and I told her No as well. I told this person that I am trying to pay my loan off. This person that I spoke with in XXXX give me a payoff total. The female associate then asked me to defer my payments. I asked her to explain that and she told me that they will apply my current payment to interest only and move XXXX payments to the end of my loan. After that I was to make a payment on the XXXX/XXXX/16. I told her No. I asked that she please apply my payment as a normal payment that I will be in the office to make the next payment on XXXX. She visually got upset and called XXXX ( supposedly the manager ). XXXX then went on to tell me that I needed to do the deferment or refinance and I told him again No. I was not signing a deferment letter or refinancing my loan. I told both of them that I was almost finish paying it out and was not starting over. I also told them about the conversation that I had with a employee in XXXX and what she told me was my payoff balance. He told me that my payoff was much higher over {$100.00} more than what the other lady initially told me. Why will someone tell me XXXX thing and then these XXXX come up with something totally different? Back to the XXXX/XXXX/16, so when XXXX called me that night, he asked if I was still coming in the office to make the payment. I told him that I was not coming in the office because I had to work but will send someone in the office to make the payment for me. XXXX told me No, that I need to bring the payment in myself and sign the deferment or refinance papers. I told him that I was not signing anything. That I already discussed this with him on my last visit. XXXX then told me that he will not accept my payment on XXXX/XXXX/16. I asked him to send me a letter stating that and the reason why my payments were being deny. He refused. I believe that because I refused to refinance my loan or defer my payments in which will result in the company will result in make more money from my loan, XXXX refused to take my payment in which will cause me to pay additional interest and penalties as well as derogatory marks on my credit file. I have been a customer with Springleaf for over two years and never had a problem with anyone. Now that One Main has merger/acquired Springleaf is this the type of behavior that I will be subject to? I believe that this is unethical, deceptive, manipulative lending practices which are forcing me to amend my contract to meet someone 's quota for the month and to make the company more money. I am totally upset with this. I made the payment online using my credit card and received the confirmation message, I pray that my payment will not be rejected but I wanted someone else to be aware of this and I am afraid of retaliation from this office being that they have the ability to do or add whatever they want to my account because of my refusal to do what they want me to do.
10/28/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MS 39402	Web
In XXXX I changed careers and took a drastic paycut. I refinanced my loan with XXXX XXXX XXXX at their request to catch up past due payments. Before the career change I went thru a divorce and was hit with an astronomical monthly child support debt. When I refinanced the loan with XXXX XXXX they were aware of all of these changes. Since then on numerous occasions I have expressed to them that my primary vehicle is a motorcycle. The same one that they have a title on for the loan. It is my primary/only means to get back and forth to work. I get to the school which is an hour and twenty minutes from my home around XXXX every morning and can not have my personal phone on loud or use it during the day. I am in class until around XXXX then have staff meetings and lesson plan periods. I usually leave the school around XXXX and have the SAME hour and XXXX minute commute home. I can not use a cellular phone and drive a motorcycle at the same time. I also can not call from school or use a work phone to handle personal business. I have explained this before the refinance, during the refinance, and several times when I was able to after the refinance. I STILL receive upwards of XXXX phone calls a day from XXXX XXXX. Today I received one from the corporate office that showed up as a picayune XXXX XXXX. This morning already before that I received two others with voicemails attached that they were trying to get ahold of me from unknown numbers that were not local XXXX numbers. I feel that its not safe or truthful to hide who is calling and have the same company show up from several other locations in an attempt to get ahold of me. I could understand if I had NOT already explained all of this on several occasions. When I spoke to the representative from the corporate office I was pressured to give my personal bank info to set up a payment from that same non disclosed number that wasnt of the local branch. I hung up with that representative and not even 5 mins later received another phone call from the local branch asking about the payment that I had JUST spoken to someone else about from corporate. My wife answered the phone because I had just stepped out to walk the dog and asked if it was XXXX XXXX XXXX it was saved in my phone as XXXX XXXX. ) The representative declined to answer and just said that they were looking for me. My wife, knowing that it was the local branch, informed them that I had stepped outside and that someone had just gotten off the phone with him and that it was ridiculous someone was calling back that soon and that it was bordering on harassment. I agree that this is harassing behavior. The representative rudely said that she was the only one in the branch today calling accounts and that it must have been someone from corporate calling and that she would disconnect the call if I wasnt available. I can understand that I owe two payments, but they also need to understand that I am not able to answer XXXX phone calls a day and repeat myself continuously. One phone call a month to explain the situation and let them know that my pay schedule has not changed from the previous month and that I get paid the last working day like EVERY other XXXX employed by the state should be sufficient. I should not receive daily phone calls nor should I be forced into giving my personal bank information to alocation/number that pops up a different place from local towns XXXX miles away. When I am able to pay, I pay securely online.
03/19/2016	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	TX 75217	Web
On XX/XX/2016 One Main Financial ( One ) called me on my cell phone asking to speak with XXXX XXXX. I told them that I am not XXXX, that they have called my cell phone, and that I do know XXXX. I told them that I already told them this phone number belongs to me and not the person they are looking for. I asked who I was speaking to and the employee of One refused to give me her name. When I asked to speak with the Complaince Department, she said sure, one moment. Then she came back on the phone and told me that they do not have a Compliance Department, but I could speak to one of the managers. I told her sure and then she hung up on me. I called One right back at XXXX. I spoke with XXXX. I told they hung up on me and she asked to tell me the reason for the manager and I told her. Supervisor XXXX took my call. I explained the situation to her in great detail. She told me her system shows that they are calling and trying to locate XXXX. ( XXXX ) She made sure that my number would not be called again. I demanded {$1000.00} from her for violations of the FDCPA. I explained how they are only supposed to call one time to locate someone. She offered to fax me a copy of the FDCPA that they go by and that they are updated. She started to talk about XXXX debt protection laws but I explained to her FDCPA is Federal and that I am a resident of XXXX. I started to explain to her that my call in registered on the governments Do Not Call list, but I was interupted by her. She told me that this is not a solicitation and that XXXX provided the phone number to them. XXXX told me that because my phone number is registered in XXXX that there are no stipulation for the FDCPA. I explained FDCPA part 1692b ( 3 ) to her but she got mad at me, told me " Thank you for calling One Main Financial '' and I interrupted her, telling her " One moment, one moment '' but click. XXXX hung up on me. I had a felling she was going to hang up on me and sure enough she did. I called One again and I asked to speak with XXXX or her supervisor. XXXX took my call, I asked her if she hung up on me, she asked who I was and she told me she did not know who I was. I explained to her that I had just spoken to her but she still did not know who I was. She asked me to refresh her memory and I did. I told her you had hung up on me. I read the FDCPA to her, part 1692b ( 3 ). I told her how I spoke with their representative a few weeks ago about the same. She told me she would have a supervisor call me. She asked me if there is anything else she can do for me and I told her no, other than to stop calling me. She said something, I continued, to tell her " other than to have her supervisor to call me of course. '' XXXX kindly told me that there will be no more call to me, that is all she can do, how she will put in a complaint for me and best of luck, have a good one. I told her " Thank you '' and out of no where, I mean out of no where the tone of XXXX 's voice changed and her attitude changed from day to night. She snapped at me and told me " Are you done, OK, are we done. '' I told her there is no reason to be like that. XXXX told me " I WAN NA MAKE SURE, NO-NO-NO, I WAN NA MAKE SURE THAT YOU 'RE NOT SAYING THAT I AM HANGIN UP ON YOU- I WAN NA MAKE SURE ALL OF YOUR THOUGHTS AND CONCERNS ARE COMPLETE. '' I responded to her " But you did hang up on me. '' She told me she was ending the call and I told her I would be doing the same and we ended the call.
04/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32301	Web
On XX/XX/2018, I searched for bad credit loans through a XXXX search. I was then led to XXXX. I trusted XXXX XXXX because I've used them before and was familiar with the site. At this site is where I started applying for a business loan for {$5000.00}. I did not see that my social security number was requested and I did not see that a hard inquiry would of been done on my credit. I eagerly applied after reading everything because I was led to believe that I can get approved based on my income. I entered the information of my name, place of employment, address and income. I submitted the information online and within minutes I was referred to Onemain Financial. On the page it states that I was approved for {$4000.00} rather than the {$5000.00} I requested. I've never been approved before and I wondered what was different other than my credit score increasing. I specifically searched for a bad credit loan and did not enter my social security number so I dismissed that thought. Once I spoke to Onemain over the phone they said I was approved based on my income. Now the approval made sense. In the email I received after the approval stated that I had to submit verification to complete the process. I was then called on XX/XX/2018 by Onemain and was told that I had to submit my vehicle info because they were going to give me the loan based on collateral for security. I was skeptical but since I was already approved based on income and I didn't want to risk it by denying them the information. Secondly, I thought it was odd that I was re-asked for all the information I provided online. I gave all the information again and was told by the branch manager that he would call me back once he finished processing. I called back and was told I was denied for the loan. I thought how? I was approved and needed to submit documents for verification. I was told my vehicle could not be used as collateral but I thought I was approved based on income. I was now bewildered as to what happened and started asking more questions. I told the branch manager that I was approved online and was told to send documents to verify. He then told me that they still had to approve me in the office. I thought that was absurd. I then asked was a hard inquiry placed on my credit and he stated yes although I did not read any information online that stated so. I asked if I reduced the loan amount would I still qualify and I was told it doesnt matter because I am denied either way. I thought what kind of trap is this? I was told online I was approved, needed to submit my documents to verify the info I stated online and once I did I was denied? I asked to speak to a manager to get more answers but unfortunately that's when I realized the person I was working with all the while was the manager. Despite my plea for more answers and resolution I was told that there was nothing that he can do. I informed him of the process I went through and that I was approved and he said he still cant make changes. I asked for a business loan initially and then discovered that they only offer personal loans. I thought it was unfair and deceptive. I immediately thought to contact CFPB because it was so unfair especially now that I have a new hard inquiry on my report and fooled into being approved. The approval did not state it was conditional, it stated approved with no asterisks and no indicators that I could of been possibly denied. I felt baited and then let down.
11/19/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35244	Web
I called to make a payment. While on the line with the rep I began asking some questions about my account ( balance, etc ). She confirmed that I had made XXXX out of XXXX payments. I advised her that her information was n't correct as my loan was for a XXXX month term. She said that she was showing XXXX. So I went home and found my contract and it clearly stated XXXX months. So I called back the next day thinking this was an error on their part and it would be corrected. Instead I was on the phone for over an hour arguing with them telling me that I had signed an agreement to change the term to XXXX months. I told them that I had never signed an agreement to add XXXX months of payments to my account as this would be CRAZY. First of all my balance has not changed, my rate has not changed and my monthly payments have not changed. Nor have I received any additional funds. Therefore, it would make no sense for me to sign anything adding XXXX additional payments to my loan. I have called a number of times to get this corrected and I am either met with arguments stating they have a signed agreement from me or I am told the matter will go to the complaint department and I will receive a call back, which I never get. To provide additional info ; there was a time when my account fell a couple of months past due. I received a phone call from their collection department wanting to know how I planned to catch the account up. I told them that I was going to double up on the payment to catch it up. They offered to help me out by saying if you agree to making 4 consecutive payments at your usual payment amount on time, after the fourth payment is made, we will remove your account out of a delinquent status and make it appear as current. I agreed to this and also set up auto debit for the four payments to make sure that they would be paid on time. They also asked to me sign a statement saying that I agree to this arrangement, which I did. However, not at any time was it ever discussed or provided in writing that I was signing any type of renewal agreeing to an additional XXXX payments. Now they are telling me that this is what I signed. I told them that this makes no sense, my account falling behind a couple of months is no justification for them adding XXXX payments to my loan. I also told them that it is possible that their collector presented falsified documents as I would have never signed anything like this. I only signed off on an agreement for the payment arrangement. Furthermore, it simply does n't make sense. I have repeatedly asked them to justify having their customer who has received no additional money to make XXXX additional payments. Mind you, my monthly payments are {$240.00} and my rate is 35 %. This was for a {$6000.00} loan. The XXXX added payments will profit them an additional {$4100.00} after the XXXX months of payments pays loan off. This is with no reasonable explanation other than them alleging that I agreed to this. I have repeatedly stated to them that this is not what I agreed to and have given opportunities for them to make it right, but they are leaning on their alleged signed papers saying I agreed to add XXXX payments when I renewed the term. Now how in the world did that help me? Again, my balance is the same, payments are the same, and rate is the same. How did a supposed renewal agreement change or help me other than to give them XXXX more payments? Please help.
08/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
IN REGARDS TO : ONE MAIN XXXX XXXX XXXX XXXX, IN XXXX I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AND I HAVE COME TO FIND OUT WHILE COMBING THRU MY CREDIT REPORT. THAT ONE MAIN APPEARS TWICE ON MY CREDIT REPORT FOR SOME REASON OR ANOTHER AS I'VE STATED I HAVE NEVER DONE BUSINESS WITH THIS COMPANY AND HAVE NEVER HEARD OF THEM. I HAVE SENT COUNTLESS DISPUTES TO XXXX ABOUT THE ACCOUT BEING FRAUDULENT AND TO REMOVE IT AND THEY HAVE YET TO DO SO. I HAVE PROVIDED THEM WITH ALL THE PROPER DOCUMENTATION THAT THEY HAVE ASKED FOR AND STILL NO RESPONSE FROM EITHER PARTY. THIS IS FRUSTATING TO ME AND I'M TIRED OF THE FRIVIOULS INFORMATION BEING REPORTED UNDER MY NAME AND MY SOCIAL SECURITY NUMBER. DO THE RIGHT THING AND REMOVE THE FRAUDULENT ACCOUNT. because I do not believe that I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX and the Consumer Finance Protection Bureau. I have disputed this debt once before and never received clear uncut validty of the debt i reference ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute and was open fraudulently as I have stated before. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. THANKS
05/01/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 290XX	Web
This letter was left on the date indicated ... I personally dropped this in their front door after hours so there would be no mix up in the mail getting to them. Thursday, XX/XX/2017 Evening It really should not be this hard. I have left notes, personally dropped through your door slot, I have spoken to at least 2 employees explaining that I could not take phone calls during the day. To please not call me between the hours of XXXX and XXXX. I also asked you to stop calling me during my work hours of XXXX to XXXX. I do not work in an environment where I can take personal phone calls, not to mention its distracting to my job. This should not be a hard concept to understand, I work in an environment where I can not answer my personal cell phone. Even though I am not required to give you a reason, I explained in short that I had vehicle mechanical problems that took priority and more money than I thought, so that is why my payment is late. I also indicated that I make all payments thru your website and that it might help if you look at your computer to see that a payment is scheduled before calling me. I do not appreciate your various employees calling my friends and family, portraying themselves to being my friend and trying to get in touch with me. You dont know me, you have never shared a meal with me, nor could you even tell me my eye color, so therefore you do not have the right to call me friend or lie to family and other friends pretending you are. Thank you for your time, XXXX XXXX This was not listened to ... they persistently call at all hours, whether its me or friends and family pretending to be my friend. I don't live near their business, I very rarely go there in person, so being called a friend is a extreme stretch of any truth that I am aware of. Evidently at this point, they don't care, they're not capable of understanding or they don't want to understand another point of view. There have also been calls from the same business from different regions of South Carolina including XXXX, XXXX, and XXXX, they are all the same business just a different store. Such as the phone call I received from XXXX. When I back-traced the phone number, it comes back to a sister company of the same business. This call was from XX/XX/XXXX at XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX - from another phone number XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX As can be seen from above, this business clearly has a problem with telling time. This company is now calling my previous work number on a daily basis, they are consistently told that I no longer work in that department but still call. This company is also calling on the pretense of being a long, lost friend wanting to reconnect. I don't have any long-lost friends. I have taken another step in the process to have my phone number changed to one that is not known but to close family and friends. This was changed from a phone number that I had for over 13 years.
04/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 700XX	Web
XXXX XXXX, 2016 Dear XXXX dba XXXX XXXX, This letter is a formal demand for {$1000.00} in Statutory Damages and is an action for violations under the Fair Debt Collection Practices Act, hereinafter " FDCPA '', 15 U.S.C. 1692a, et. seq. and for {$500.00} per violation under the Telephone Consumer Protection Act 47 U.S.C. 227a et. seq. hereinafter " TCPA '', 47 U.S.C. 227a et. seq. I have received your letter dated XXXX XXXX, 2016 and post marked XXXX XXXX, 2016. Your letter contains multiple violations of FDCPA, 15 U.S.C. 1692a, et. seq. The following is two paragraphs of text extracted from the letter. " Your account is seriously delinquent and you have not taken any action to remedy the situation despite all of our attempts to get you to do so. As of the date of this letter, {$520.00} is past due on your account. '' " Thus unless you contact us within two ( 2 ) days from the date of this letter to make firm payment arrangements on your loan, we may be left with no recourse other than to proceed with legal action against you. '' The text of the letter contains a demand for payment of {$520.00}. This was not the amount, which was past due. The following amount {$240.00} and late fees {$36.00} for a total of {$270.00} out of the {$520.00} was past due. This constitutes false, deceptive and or misleading representation in connection with the collection of the debt in violation of 15 U.S.C. 1692e. Additionally, the text stated the Account Balance was {$10000.00}, which included without limitation the principal balance, future unearned interest, and late fees. However, the Account Balance was {$5500.00}. This constitutes false representation of the character, amount, and or legal status of said debt in violation of 15 U.S.C. 1692e ( 2 ). In regards to the text, which stated " Thus unless you contact us within two ( 2 ) days from the date of this letter to make firm payment arrangements on your loan, we may be left with no recourse other than to proceed with legal action against you. '' Your letter indicates that you have been instructed to take legal action if payment is not received by XXXX XXXX, 2016. Thus, this was a threat to take an action that was not intended to be taken ; therefore, is a violation of 15 U.S.C. 1692 ( e ) 5. Providing consumers 2 days is a clear violation of FDCPA, which provides consumers 30 days to validate and dispute such debt. Therefore, your letter is contradicting and misleading, which is a violation of 15 U.S.C. 1692g. Additionally, you have engaged in a conduct, which the natural consequence was to harass, oppress, or abuse me in connection with the collection of said debt. Including without limitation, you have caused a telephone to ring, engaged in telephone conversation repeatedly and or continuously with intent to annoy, abuse, or harass me at the called number, which is a violation of 15 U.S.C. 1692d ( 5 ). Therefore, on XXXX XXXX, 2016 a revocation of your rights was received by your office. However, you are continuously violating TCPA 47 U.S.C. 227a et. seq. and FDCPA 15 U.S.C. 1692d ( 5 ). This is a formal letter of demand ; therefore, I am reserving legal rights for, including without limitation, myself and others similarly situated. These violations of the FDCPA and TCPA have created a civil liability for your office.
03/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AE XXXXX	Web	Servicemember
I initially took out this loan from OneMain Financial in XX/XX/XXXX in XXXX XXXX. I was making payments for 2 years and then my Spouse who is XXXX XXXX Military got transferred to XXXX in XXXX. I fell behind on the loan and then brought it back up to current three months later, but at that time they transferred the loan to another department in XXXX, so I was forced to make payments through direct debit from my account. I remained paying on this loan and current up until my spouse who is still XXXX XXXX Military was transferred in XX/XX/XXXX to the XXXX XXXX. At this time I am a XXXX XXXX employee and had to take a leave with out pay until I could get a XXXX XXXX oversees. I fell behind at least 90 days and then in XX/XX/XXXX I contacted OneMain because I had been making bill payment payments to my account but because OneMain had transferred my account to another department my payments were never accepted. When I called in XX/XX/XXXX the lady that helped me was ( XXXX XXXX ) said that if I made 3 monthly consecutive payments I could be set up again to make payments on line. So I paid that payment, then on XX/XX/XXXX when I called back up to make my payment it took 3 different phone calls to 3 different departments for them to take my payment. the customer Service reps stated that they could not accept my payment because my bank debit card was a XXXX and after 4 hours of calling back and trying to get someone to understand that I had made payments on this card last month and the month before that it was unethical for them not to accept my payment. I ended the last phone call after they finally accepted my payment in tears and literally almost having a nervous breakdown and I explained to these people that they not only were effecting my credit report but also my XXXX XXXX that I need to stay employed with the XXXX XXXX. Both of the Reps that I was talking to were so rude and were literally dening me the opportunity to pay my debt off. I call tonight, again from the XXXX XXXX to make my payment and was transferred again to another department and was told that my loan had been charged off and that i now could pay my loan and I was not subject to any fees for the use of Debit Card. I asked the rep how could my loan be charged off because I was told that if I made 3 consecutive payments that I could become eligible to make online payments which would be much easier for me due to the time difference in the XXXX and with my hours that I work. She told me that it was now charged off. I asked her if she saw all my notes on my account with all the issues that I had and she said yes. i also asked her if all the other conversations that I had with the other reps over the last 4 months had been recorded and she said yes. I know that there have been some FDCPA violations with regards to my loan. I know that I should have been able to have fallen under the SCRA with regards to being a spouse of an XXXX XXXX Military, yet this organization has chosen to charge off my account which would definatly effective my future employment with XXXX. I am asking that this loan be reinstated and that an investigation should be launched into the Lending and debt collecting of OneMain Financial, which I believe falls under XXXX XXXX.
08/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
IN REGARDS TO : ONE MAIN XXXX XXXX XXXX XXXX, IN XXXX I HAVE NO CLUE WHY THIS ACCOUNT IS SHOWING APPEARING MY CREDIT REPORT. I HAVE SENT COUNTLESS LETTERS AND NEVER RECEIVED ANY CORROSPONDENCE IN REGARDS TO THE DEBT THE COLLECTOR CLAIMS I OWE. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT IS A FRAUDULENT ACCOUNT AND I HAVE NEVER HAVE DONE BUSINESS WITH THIS COMPANY EVER IN MY LIFE.THE ACCOUNT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED IN MY MAIDEN NAME AND I'M A VICTIM OF IDENTITY THEFT. THIS A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) THAT YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE NAMED TITLE AND SECTION. I RESPECTFULLY REQUEST THAT YOUR OFFICES PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU. PLEASE PROVIDE ME WITH THE FOLLOWING : -WHAT THE MONEY YOU SAY I OWE IS FOR -PROVIDE THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT -SHOW ME THAT YOU ARE ARE LICENSED TO COLLECT IN MY STATE -EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE -PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE -PROVIDE A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE -IDENTIFY THE ORIGINAL CREDITOR -PROVIDE ME WITH YOUR LICENSE NUMBERS AND REGISTERED AGENT -PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE -PROVIDE ME WITH THE ORIGINAL LICENSE OR PHOTO ID USED TO OPEN THE ACCOUNT AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 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 REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
08/12/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60639	Web
My name is XXXX XXXX and I made a huge mistake by co-signing for my daughter on a car loan with the company Spring leaf financial. They could not approve my daughter at the time because of her credit score so giving the benefit of the doubt and trusting my daughter I went ahead and co-sign for her. She then took the car and did n't starting to make payments and I was been called at work at that time. It end it up that she surrender the car and Springleaf financial auction the car and what ever the price was given was subrtatced from the remaining balance. At this time I was working but as of XXXX XXXX, 2015 I am no longer working and am on a fix income for XXXX. This company has never once tried to help me with this situation and I asked on several occations that they take me off the contract but their excuse was that my daughter credit was not good enough for her to stay on the loan. XXXX of the employer their by the name of XXXX in the XXXX location has been nothing but unprofessional, rude, and disrespectful to me all the time I have tried to call and speak with him. I have to get the district manager XXXX to get involved due to his employee actions and attitude. Now my daughter ever since has been making the payments on this account and has fully been in contact with XXXX even has made payment arrangemenst with him. She could n't keep up with the payment so I was told I could refince the loan but XXXX XXXX will have to be taken off the loan. With that said I went ahead and refinance the loan for her because she asked me to. The payment were lowerd but not by much. Just the other day I receive XXXX letters from Springleaf financial stating that payment has not been done for the account. I called XXXX and once again very unprofessional and rude clearly stated that they were going to reposses my car that is paid off in full because it was being used for collateral. At this time I stated that I was not working not receiving unemployment and was on XXXX. But XXXX did n't care he said I need to pay the account. I then gave him my daughter work number and they payment arrangement to pay the account. I also spoke to the District manager XXXX who respond was that he was n't going to allow for my car to be reposed and that he will get of hold of XXXX. The next day I decided to call XXXX thinking that some resolution can be made but his response was that my daughter called XXXX and stated that we were having family problems. I then responded and said what does that have to due with anything. I need to know how can I go about this situation and not end up in collection. I did explain to him that I was n't working and I was under XXXX. But he did not seem to care and just said you are having family problems. Now come to find out my daughter will not be paying the account and I do n't know how I will get the money to pay for this account due to my fix income. What can I do at this time? I need help? Can you please help me to see how I can I go about this and who to go to for help. I am not working and making those payment will really cause me to have no food or be able to pay my monthly expenses like rent, light, gas, car gas, and food. I need help.
04/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97123	Web
I took out a loan with OneMain following the birth of my daughter, back in XX/XX/2016. I was out of work and incurred a great deal of medical expenses that added up on top of regular bills, and needed some help. I was thankful to receive a {$1500.00} loan from OneMain to get me back on track. It had been my intention to repay the loan within a few months, but life of course intervened, as it does so often, and I was making the minimum or just above minimum payments. I hit another bump in the road following some health scares, and rather than putting the loan in forbearance, OneMain offered to extend my loan and disburse additional funds. I signed some paperwork, including something involving obtaining life insurance and loan insurance. and was on my way. Things were going well for several months. I was making payments as agreed and had no complaints about the staff at the branch I regularly worked with. Again, life tossed a curveball and I was unable to make the payments as agreed. I spoke with a branch employee who was very empathetic to my situation and said she'd note in my account that I'd be making a payment as soon as I could. A week later, I received a call from the branch manager, " XXXX ''. He asked why I hadn't made a payment, and I informed him of the same thing I'd told an employee the previous week. He became extremely aggressive, and told me that I needed to come to the branch and " rewrite '' the loan. I told him that I was not interested in doing that, and could make a payment on my next pay day. He told me that that would not be possible, that he needed to " close out the month '' in his branch and that I was preventing him from doing so. He insisted that I come in, refinance, and perhaps take out a few extra XXXX dollars to get caught up on other things. I reiterated that I was not interested in doing this, and that I would be making a payment when I was able. He said that my credit will be ruined, that I'm going back on my end of the deal, and that he could not accept anything that I was saying. He wanted my checking account information to set up a payment. I told him that I did not want to provide that when I didn't have the money in the account to process it. This back and forth went on for close to 15 minutes. I finally had reached my boiling point and told him that I felt that his behavior was unacceptable, that he was trying to strong-arm me into setting up a payment that I could not make, and that he was terribly rude. He continued to argue with me. I informed him that I would be making a payment online within the next 2 weeks and I ended the call. To my surprise, he called back several days later, asking me to make a payment. I told him that I couldn't believe he had the audacity to do this considering the nature of our last conversation. I said that i would be making a payment online, and he hung up on me. I made a payment in the amount of {$200.00} online, as I said I would. For reasons that are unclear to me, this payment was not and still hasn't been reflected in my online account. I've read other complaints regarding OneMain not updating online accounts to reflect recent payments.
06/28/2016	Yes	Consumer Loan Pawn loan	Can't stop charges to bank account	GA 303XX	Web
I took out a loan with Onemain Financial , Inc. located at XXXX XXXX XXXX XXXX Ga XXXX back on XXXX/XXXX/XXXX. I borrowed {$1000.00}. I went back to borrow {$500.00} on XXXX/XXXX/XXXX for them to payoff XXXX XXXX and XXXX. The balance was {$600.00} for XXXX XXXX. They gave me a check for {$600.00} to pay them off. They also gave me a check for XXXX the same day to pay off XXXX which totals to {$2500.00} plus the renewal of {$99.00} of all the money ever borrowed. I missed one payment back for XXXX/XXXX/XXXX. I went back to them on this date to do a renewal because I did n't have the money to pay for XX/XX/XXXX. They said if I did n't do the renewal they was going to take me to court. They gave me a check for {$99.00} for me to turn and give back to them with prepaid finance charge of {$260.00}. When I add up my receipts I 've paid them over the course of this loan close to {$10000.00}. I told my brother about my situation. He immediately wanted to know what was going on. I had him to speak with the manager at OneMain Financial. He ask the manager for the number of payments. She told my brother they only had a record of 27 payments. I pulled out my money order receipts and counted 38. There are more receipts. I have to find them due to the fact I had to move. My brother took me there to discuss why the loan was so outstanding although I have been paying faithfully XXXX to XXXX every month with a few exceptions. When we got there we asked to speak with the manager. The manager was not available therefore we had to speak with someone else. It was a gentleman. My brother wanted to see all details pertaining to signatures and copies of signed return checks. He was not able to produce valid signatures on all the documents. He was telling my brother that I had kept coming down there to borrow money and something in reference to a renewal. In the process of going through the documents my brother notice that there was XXXX loan for {$850.00} that was signed by someone else they claimed I got a month later on XXXX/XXXX/XXXX. This is not correct. I have not been back there other than the times I mention earlier. The service rep was shaking and falsely accusing me of coming back there to borrow the money. Someone signed my name in the style of printing my signature. We ask for copies to justify my innocents. I did received copies of some the records. The payoff balance as of XXXX/XXXX/XXXX was initially {$6200.00} even after 4 years of paying them close to {$10000.00}. I asked him why am I still paying for this loan. That 's when he stated to me that I kept coming down there to borrow money or something concerning a renewal. He then went back into the computer and changed something. The balance is {$5600.00}. I do n't know what they are doing but I 'm worried and sick of the threats of taking me the court if I did n't pay even though I pay every month. In short, I feel someone has committed forgery in my name as if I have taken out additional loans that dates back to XXXX/XXXX/XXXX. The interest rate was 25.37 % to 30.45 %. I XXXX XXXX am giving XXXX XXXX to discuss anything concerning this case.
07/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	PA 190XX	Web
My vehicle was repossessed on XXXX. I have contacted the loan company 4 or more times via phone and email. I have attached a letter that I emailed the company because I was unable to resolve my issue via telephone. XXXX in the branch, the call center reps, XXXX in Executive Complaints and XXXX never acknowledged the validity of my hardship and were unable to resolve my issue. One Main Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Dear Customer Service Manager, I am reaching out to you because I have a vehicle secured loan with One Main. My vehicle was repossessed XXXX. I am viewed as being in default on my loan because I am 30 days past due. I made 2 payments in XXXX in a good faith effort to maintain my account with your company. Unfortunately, I was hit with over XXXX of bills that needed immediate payment outside of my normal monthly obligations. 1. XXXX Squirrels had to be expelled from my roof. 2. XXXX new gutter system. XXXX paid to date. 3. XXXX repayment for college class to employer. XXXX paid to date. 4. XXXX property tax bill. XXXX paid to date. 5. XXXX property tax bill. XXXX payment must be paid this month. 6. XXXX property tax bill. XXXX needs to be paid this month. I advised a member of the XXXX branch of this and he was no help. I advised the repossession dept. representative on XXXX. She was no help as she only demanded XXXX. She explained the ; repossession fees and cost, auction, and short fall obligations that I am now facing. I received a demand letter for XXXX due by XXXX to regain ownership of my vehicle. As you can see from the list above I have XXXX of property tax bills which must be paid this month. So, I am unable to pay the XXXX this month. I have attached receipts to this letter to substantiate the legitimacy of my financial hardship. I am requesting that a forbearance be granted on my loan and that a payment arrangement can be made. I have made every attempt to maintain my account, but I am being faced with other obligations that demand immediate financial resolution. I do not have access to a printer. Please provide me with a fax # that I can fax proof of my hardship. I am hoping that we will be able to come to a win win agreement where I can maintain my vehicle and continue to make monthly payments. I am quite sure you are familiar with the auction or private sale process where a vehicle is sold for less than the fair market value. By selling the car you will be agreeing to a payment which is less than the amount owed. After the proceeds of the sale are applied to my loan I will be contacted regarding a short fall balance which I do not have. If I were able to maintain my vehicle that would insure that the One Main loan is satisfied over the course of 5 years. I do not desire to be sued and am hoping that we can work something out. Thank you, They declined a forbearance and a deferral on my payments and are requesting 2x the account due on my loan. I have attached a payment history. I was unable to attach bills to validate my hardship because they reflect my name and address. However, the bills were sent to One Main
03/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 44024	Web
My main complaint here is that the branch manager of onemain financial in XXXX ohio, shared my personal account information ( loan balance, late payment status, payment history ) with someone who is NOT on my account, and not related. Sharing this information has caused a tremendous amount of issues in my life. The reason this happened was because I had used someones bank account to make a payment ONE TIME ( supposed to be one time ). I made payments in the future and those payments came out of that persons bank account again. They contacted the bank severeal times, local branch, main customer service, etc. in attempt to resolve the issue and get their money back. I did not have the money to pay them back. OneMain financial refused to give the money back, said there is nothing they can do, even though they know it was debited from the wrong account, an account that they should have never even saved the payment info as it was very clear during the original call that this was a one time payment. The advice from the bank was for that person to file a dispute with their bank if they need to ... so that is what was done. A dispute was filed with his bank. In the mean time, he had filed a complaint with the XXXX as well. XXXX contacted him immediately and then someone from the bank did shortly after. They mailed him a check which he cashed promptly to get his money back. Shortly after the dispute was still open, his bank gave him the money back and the dispute was closed in his favor ... One main now is trying to hold me responsible for the {$400.00} that they technically gave to them. However, if they would have given back the $ in the first place instead of insisting that they can not, and that they need to dispute it, that would not have happened. So that is one issue but not related to privacy, this is more of my complaint. He called in to speak to onemain financial because they reached out about the extra payment. He informed them that he is not returning the money, that he was so inconvenienced by all of the time spent dealing with this, having to go to his bank to dispute, etc. and that it's not his fault that the bank won the dispute and gave him the money back.. and I agree, if they would have refunded HIS money that was wrongfully taken from his account in the first place, that would not have happened. However during that call, the branch manager, XXXX, had shared information with him that he had no right to do so. He informed him of recent payment history, the account status and balance information. That private, sensitive information that should not have been shared to anyone without my consent. With that said, that issue has put an end to a 6 year relationship, I am now in the process of searching for somewhere to live because of that, etc and has turned my life upside down because he shared private information that I do believe is technically illegal to even do so. And on top of that the bank is threatening to add {$400.00} to my balance if I do not pay it back, and i do not have an extra {$400.00} to give them because of their mistake.
09/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32223	Web
On XXXX XXXX, 2017, I applied for a personal loan through XXXX XXXX XXXX. The office in question is at : XXXX XXXX XXXX # XXXX XXXX, FL XXXX. My representative was XXXX XXXX. Included in my application was income from my employer and an adoption subsidy given to me through the state of Florida. One of the demands made by the underwriter, I had to provide the birth certificate and/or court documents of my daughter 's adoption. When I explained I could include proof of payment through bank statements and/or, receipts directly from the agency that submits the subsidy to us via direct deposit, I was told I still had to show proof by birth cert and/or court docs. I further explained that they were requesting not only personal information of a minor ( which I do not believe is legal ), but also of an adopted child, who 's rights are to be protected legally. I was told they needed to determine the child 's age. I asked for what? To determin how long I received the payments. I stated the child is XXXX and it 's until XXXX. I could provide in writing if needed. The underwriter still refused to budge with that explanation. I explained I could not provide any information beyond the DOB and mine and my husband 's name on the birth certificate ( which I sent ), but the underwriter wanted the certificate to show all information or the court docs, which had far more information in them. I would not provide either. My child was once a ward of the state. I advised in no uncertain terms would I provide confidential information that could disclose her new identity. I explained that I was very familiar with the CFPB laws and this was boarding, if not altogether discrimination to me personally and if not out right illegal practice demanding info of a minor. I was offering alternative documentation and it was being refused. I asked if the same documents, such as a birth certificate and/or court documents would be required if the child was mine through birth and I received child support? I was told. because the child was adopted. Again, I explained I am offering proof of payment via receipts. That is all that should be required of me. I explained that neither a doctor or daycare require such personal information. These two institutions would have far more reasons to ask, as it could be needed given what these institutions are. A financial institution needs nothing, beyond payment receipts, written age of the child and an explanation from the state of FL website on how long the subsidy is paid. Personal info on a minor, absolutely not. The loan would not be approved if all documents were n't submitted. I made clear this was discrimination, refused the loan. Had my child been mine by birth, these documents would not have been required. So mothers, who come to this company, and have adopted have to prove their children are theirs in order to obtain a loan? Seriously? In addition to this clear discrimination ... Why is a financial institution demanding personal information of a minor? What are they doing with this information if given by other customers? How is it protected?
02/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37311	Web
We had a secured loan with One Main. We paid one off, and they told us they could give us a better deal by giving us an unsecured loan. We did n't know how much the interest was because they kept talking to us about how they would help my husband and I with improving his credit because he had an issue with XXXX. I was not employed but they used my better credit rating to give him a loan with us together. We never were able to see the amount on the loan with interest but since I had XXXX, had a XXXX visit thinking it was a XXXX XXXX last XXXX we ca n't keep up with the amount of interest that we are paying and we got behind on the payment amount because they are charging us over {$400.00} a month and we have nothing left for food or for emergencies. We do not get food stamps as we do not agree with doing that, we try to pay our bills. We have more than paid back our loan amount and this company calls twice a day to both of us. I have XXXX and do not even want to answer my phone since I have only been employed as a painter and the weather has been too cold to do that. It 's a reasonable amount of money but it is by the job and I have only a few hours in on the job since XXXX. One Main keeps piling on the fees and the amount owed and we can not catch up to what they say we owe on our amount owed this month. It 's showing near a {$1000.00} or probably more now. We have paid regularly to them but it is never going to catch up. We received in the mail a letter saying to come into the office and they would be willing to help us lower our interest rate, and they would help us with making our payment better. We called and made the appointment the night that the letter came in the mail and went in the next day. We were very punctual and tried to get our payment lowered but the only negiotating they did was to renew our information and they tried to get us another loan, which we did not want. and they ran the loan anyway but would not give us one.Unless we get the loan reduced to an amount we can afford we ca n't pay our bills or even go to the doctor or see a dentist with the amount that we currently have to pay. The offer we were extended after they told us that we were n't currently eligible for a 30 % loan rate was for us to pay an additional {$200.00} per month on top of the amount we were already paying. We are behind on our utilities due to trying to pay this large bill and we want to catch up on those. We will try to get a home mortgage if this One Main Financial has not totally ruined our ability to get a home loan. They also sent us to their good friend at XXXX XXXX to get a loan. Beware of both of them. We have been in contact with a lawyer and will be deciding what we need to do next. We have been called twice a day, both of us at separate numbers. We also were left messages saying we have to call the manager. They never said, " or Else '' but it was made to sound like it was call or else something bad will happen next.
11/06/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 93063	Web
I applied for a personal loan online on XXXX for {$5000.00}. OneMain Financial and several others offered me an approval. I picked OneMain Financial because it was closest to my house, and they said they could approve my personal Loan. I contact the office in XXXX XXXX, off XXXX XXXX and a XXXX XXXX named XXXX XXXX, she congratulated me and told me I was approved for a {$5000.00} personal loan I would just need to come in with tax returns and paycheck stubs, bank statements, proof of employment, proof of any assets ( bank statements, credit unions, title of car, proof of address, which she said my registration to my car and gas bill was acceptable. I rushed in with my info, she spent some time getting my loan through underwriting and went over the disclosure of " where to pay my loan, that some of the money was going to go to pay off my credit card, pay down my other credit card and the remaining would go in my bank account '' On the way out of the office, she was walking me out and Stated that if I was planning to sell my car, to call her and they would release the lien '' I was a little confused, as my understanding was this was a personal loan. I did not apply for a title loan, search for a title loan or under the impression that I was getting a title loan. I called six months later, with all my payments being current and never have missed one. XXXX originally disclosed that if I want to sell my car, just to call her and she would have it released When I called XXXX months down the road she told me that there is nothing she can do to get the lien released, that in order to release the lien I must go and reapply for another loan or have the funds from the sale of the car go directly to OneMain Financial and any remaining balance must be paid in full! I was outraged, completely confused and asked to speak to her manager. I told XXXX - the branch manager- that XXXX had broken predetory lending laws, in XXXX XXXX ( as even on their website they state they offer personal loans ) that she waited til after the entire process, I was in the parking lot and disclosed a list of things I needed to do to get my lien released. which was " sell my car '' 2. Call XXXX 3. XXXX would have lien released. XXXX then told me that I could apply for a higher loan amount. Which I rejected XXXX then didnt understand how I couldnt possibly assume this was a title loan. I told her I applied for a personal loan, i got approved for a personal loan and was never disclosed that this was a title loan. I told her I am not in the profession of personal loans, title loans or auto loans so I did not realize when they told me I was getting a personal loan that that meant a title loan. I told her XXXX asked for my assets and that is the only reason I gave my title of the car as proof that I owned something. PLease help me get my lien released as I am trying to sell this car and have a buyer willing to pay {$5000.00} today.
06/17/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 923XX	Web
Co-owners ' rights and obligations can be altered by a written agreement. The rules described below apply unless a written agreement exists that provides differently. TENANCY IN COMMONExcept for married couples or registered domestic partners -- who are presumed to acquire all property as community property -- persons who acquire real property jointly normally own the property as tenants in common, unless the instrument under which the property is transferred to them provides otherwise. All co-tenancies between unmarried persons that are not expressly made joint tenancies or partnerships are tenancies in common. A few of the key features of a tenancy in common are : Ownership and Transfer. Unlike joint tenants, tenants in common can own equal or unequal interests in the real property they acquire, and may acquire their interests from different sources at different times. Each tenant in common may sell or encumber his or her interest without the knowledge, approval or consent of the other co-tenants. A tenant in common has no right to convey any other co-tenant 's interest, and any such attemptedTHE PROPERTY IN QUESTION WAS IN A TRUST WHERE ALL BENEFICIARIES WERE TENANTS IN COMMON INCLUDING THE FORMER TRUSTEE ( BENEFICIARY ) BUT AMERICAN GENERAL FINANCIAL/SPRINGLEAF ENCUMBER THE ENTIRE REAL PROPERTY WITH AN UNFAVORAL LOAN PER THE PROBATE COURT, WE HAVE TRIED OVER AND OVER TO FIND OUT HOW THE FORMER TRUSTEE GOT THE LIEN WITHOUT THE PERMISSION OF THE BALANCE OF THE BENEFICIARIES. HE DID NOT REPORT THE SETTLOR/TRUSTEE 'S DEATH FOR ONE YEAR 4 MONTHS AFTER SHE DIED AND 5 MONTHS AFTER HE TOOK OUT THE LOAN ON THE PROPERTY. THE REAL PROPERTY IN THE TRUST WAS THROWN INTO FORCLOSURE BECAUSE NOW SPRINGLEAF FINANCIAL WOULD NOT WORK WITH THE NEW TRUSTEE OF THE TRUST.But that does not mean that the other beneficiaries are responsible for that loan that is his along even though he was theTrustee he is also a beneficiary and must not be partial in dealing with the trust property '' IN THE TRUST IT STATES THAT IF ONE OF THE BENEFICIAIRES DIE THEIR " ISSUE '' IS TO INHERITE THEIR SHARE, Equal Right to Occupy the Entire Property. Although tenants in common can own unequal interests, unless agreed otherwise in writing all tenants in common have an equal right to possess and use the entire jointly owned property. No co-tenant may exclude any other co-tenant from any part of the jointly owned property. Because all owners have an equal right to occupy and use the entire property, no tenant in common may collect rent from another co-tenant. THE COURT ORDERED XXXX TO PAY RENT BECAUSE HE HAS ALREADY MOVED HIS FAMILY AND HIMSELF IN AND HAS NOT COMPENSATED ANY OF THE BENEFICIARIESNo Survivorship Right. A key feature distinguishing a tenancy in common from a joint tenancy or community property interest is that a tenants in common interest carries with it no survivorship
03/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63755	Web	Older American, Servicemember
My wife passed XX/XX/XXXX. I was laid off a few months later. I wrote One Main Financial, along with my statement letting them know I could no-longer pay the full monthly amount and would like to renegotiate. I had lost my wife 's income, accumulated medical bills and now was living on just my social security. They ignored my request. I stopped letting money to be withdrawn from my bank in One Main 's name. It did n't take long for them to call me. Once again I asked to renegotiate. They said -I did not fall under their hardship clause. They kept calling me. I explained we would have to renegotiate or I would be forced to file bankruptcy. After several calls they said they would lower my rates to 4.78 % and cut my payments in half. However, I had to return to the office where the account was opened. Over 3 hours where I now live. After several more discussions I was turned over to their corporate office. I was to present proof of income and sign a hardship notice. I did so, in XXXX XXXX, Mo. which was faxed directly to their corporate office. Again I started getting calls saying they never received my information. Again they wanted me to go to the branch where I opened the loan, XXXX, Mo. and resubmit the paperwork. I called XXXX, explained I was 3 hours from them, an hour and a half from XXXX XXXX, Mo. where I was last sent refused to do anymore leg work for them to resolve this matter. Note, I contacted them before we ever got to this point. XXXX XXXX corporate called me the next day. asked me again to go to another of their branches and resubmit everything. This time I went to the XXXX XXXX, Mo. branch. I once again explained my position. I was told they could resubmit my paper work but would still be considered as a credit risk until I paid over {$1200.00} to be caught up on my payments. This is n't renegotiating! I did submit the paper work again, they lowered my rate to 8 % and my payments to {$150.00} per month for 24 months. At the end of this loan I will have a balloon payment for the remainder. I turn XXXX in XX/XX/XXXX. I doubt I will ever get this completely paid but will do everything possible to keep my end of the agreement. My complaints are simple, 1- I notified them early and before they contacted me so an agreement could be reached. 2- I did all the leg work driving hundreds of miles trying to get a branch that would work with me. 3- Once the loan was refinanced my credit should have been restored to a good standing. 4- They and their branches lied saying at times I never showed, which I did, found out they only keep out of branch paper work a few days. The same as calling me a liar. 5- Each branch gave me a different amount to pay to get out of the rears or get a lower rate. XX/XX/XXXX I let them into my account to remove a payment of {$330.00}, this month the payment should be {$150.00}.
08/12/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 35124	Web
Consumer went online and filled out an application after receiving thousands of offers from Springleaf. I was approved for {$2000.00} instead of the requested amount of {$2500.00} and that I should go to a local branch to complete the loan. Right of the bat consumer could feel that the environment was XXXX. Was working with a rep and gave my pay stubs which stated {$110.00} short because I had inputted my gross pay amount and not net which is {$2700.00} -- not {$2900.00}. Rep stated that she tried calling me but received a message about the network ; however I had just moved to a house and was transferring service that would complete on XXXX XXXX, 2016 by XXXX. The branch manager, yells that I was disqualified because I had not phone. The fact is I have a cell phone and a landline that was being transferred. He was operating on stereotypes and assumed I had no phone. I immediately cleared that misunderstanding up, but then the rep stated that I was over the income limit as far as payments. I could not understand the problem and requested a listing of my debts, and low and behold Springleaf had tacked on a bogus payment of {$82000.00} for a student loan that has a {$0.00} payment. I immediately called XXXX and XXXX -- the XXXX credit reports used -- inquiring about this bogus {$820.00} payment. The branch manager yelled again that the credit bureaus will take 30 days to correct, and I responded back that if a blatant dispute was done via phone it would be immediately removed. He did not want to rectify the problem even though there was a blatant mistake on my application. The environment was too XXXX, so I asked for the next nearest local branch, and the rep reluctantly gave me the location. I had my filed transferred to another location. This location was more reasonable and understanding and requested documentation that my student loan payment was {$0.00}. I submitted this information, but this documentation was not enough and Springleaf corporate wanted a statement stating that for two years, my payment would be {$0.00}. XXXX XXXX does not operate this way. Recertification is every year, and for three years I have been recertifying with the same income and medical issue. I called both XXXX and XXXX this a.m., and they both stated that they are not reporting any {$820.00} payment for XXXX XXXX and that they were not reporting any payment. I insisted a {$0.00} payment be added to my credit report and not left blank. Springleaf is a scam because they would not adjust the approved loan amount to fit the {$110.00} shortfall. The adjustment could easily be done. An approval was granted for {$2000.00} with {$2900.00} income, why not make an adjustment for the {$2700.00} net income. Springleaf was adamant that the amount had to be {$2000.00} with a {$2900.00} income. Seems unreasonable and unfair dealings.
12/04/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NJ 077XX	Web
The reason I am emailing you is because I wanted to ask you some questions or maybe you know someone that can assist me. In XXXX my husband and I took out a loan with one main financial, not knowing the torment that would follow. Now normally I dealt with a lovely women named XXXX XXXX ; whom when I began having income issues due to being out of work because of injuries i got at work, tried to assist me as best as she could. Unfortunately XXXX no longer works there and although they are fully aware of my financial burden they continue to harass me. Calling all day long, threatening me, bullying me, they even have began to call my husband 's job on nivember XXXX, XXXX speaking to unauthorized personnel and faxing papers to them. The person the fax is addressed to is for one not human resources and two not authorized to release my husband 's information. They also called and spoke to this person asking all kinds of questions. I spoke to XXXX whos last name i have been refused and also sent the faxesand informed him he was not to contact my husband 's place of business prior to this. I have had multiple issues with this gentleman, in the end of XXXX the XXXX i believe he called me and stated that if I paid them I believe {$56.00} that he would lower my payments to XXXX $ a month. Now XXXX XXXX, XXXX he called demanding I pay him XXXX $ but they 'll settle for XXXX. When I told him that is not what he told me he began arguing that this is not how it works. I must pay what i owe or hes going to call his lawyer and garnish my hudbands pay, etc. Changing everything he told me and i pointed out that if i knew this was going to happen i wouldnt have allowed him to take that extra money, that I did not have. I was reduced to tears explaining that I can barely feed my family and the amount he is asking for is too high I can pay partial payments but I ca n't afford that amount. I now have my second eviction notice arriving. That is when the threats began and now I do n't know what to do. I also told him I can not currently get a job because I 'm XXXX and due in a few months but once I 'm working I would resume normal payments. I ca n't sleep and I listen all day for a tow truck to take our only means of transportation ( they are not our auto loan carries but that is one of the threats he has told me ) Or I wait for my husband to come home and tell me he got fired due to their harassments. I had to borrow money from his job just to give them the XXXX until i get money from unemployment so he wouldnt harass me that weekendand now I ca n't even feed my family.He also had the audacity after I paid him to say enjoy your XXXX in a smart way knowing he just put me through XXXX. The harassment then resumed on Tuesday XXXX XXXX, XXXX and they have not stopped calling.
03/02/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 215XX	Web
I co signed on a loan that was a refinance of an existing loan of mine. The (now retired) employee that swore to me that this was a necessary thing to do to keep the loan from going into default lured me into a deceptive loan. I have dealt with this company in the past on small loans but they assured me that taking out t his larger loan to consolidate bills was a necessity. These people make you think you are a friend and they are looking out for your best interests. They said I needed to put this loan in my friends name (who had debts being paid off from the loan also) because "the friend" had a job and if he lost his job the loan insurance would make the payments. The terms and conditions they gave us were NOT what we had been promised. After having us sign the forms I realized interest rates were changed and was told it was a binding contract and nothing I could do. The terms were for 5 years near the end of the 4th year financial problems were incurred and they said they would modify the loan. No papers were offered, no terms given they just said it would lower the payment. We were left to assume the terms were the same. What I later found out (from logging into my information online, which I was not told was possible) I saw the loan was extended for 12 more years. The friend got into some legal trouble last year and because of that had to move. I called the local office and explained to them the situation and asked if they could give me any help. The manager told me that he couldnt do anything and that I needed to pay or go to court. I have paid this loan for over 9 years approximately and for the amount borrowed I have paid the original amount borrowed and much more. They take out all interest first and nothing goes toward principal. 7500 (approx) was borrowed and by the end of the estimated 11 more years they tacked on the loan close to 50k will be paid! That is more than my home cost!!! They now cant find the primary lender and are harassing me non stop. I tried to work with them in the beginning and they refused. I spent 20 years being XXXX raising a son alone and repaired my credit only for these blood suckers to ruin me over their deceptive practices. I have no issue paying for something I borrowed but this is not only robbery but it is unethical. It seems nobody is out there monitoring these companies. This is why they split XXXX to take the mortgage and OneMain to personal loans. Easier to steal more money from lenders who try but cant get conventional bank loans. Our protection is nowhere to be found from our government who should be monitoring these companies. I can see why they can't keep employees there long. Anyone with any conscience would not work for a company like this.
11/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29651	Web
I recently paid off my loan with a paper check from a refinance on my mortgage. I personally mailed the check to the location in XXXX where the loan originated. I called last week to confirm receipt of payment and to verify when the overage would be mailed to me. I was informed by an individual at the store that the refund was issued on XX/XX/XXXX. I have been checking my mail to ensure that the check comes in as our mail has been tampered with in our neighborhood. As of XX/XX/XXXX, I had not yet received the check and called into the customer service number to inquire. Upon speaking with their agent, I was told the refund would be issued from the store and that they did not see any notes within the system indicating the refund had been issued. I asked that someone from the store call me on Friday to relay the information and to see if it would be possible for the overage to be direct deposited to my account as the original proceeds were done. On XX/XX/XXXX, I called back to the customer service number to inquire about the refund information again. I spoke to a female rep that explained regulations indicated I could not get a refund until 15 days had passed. I explained that regulations do not indicate that but company policies do and there was a major difference. I repeatedly asked to speak to a supervisor and was told one was busy and could call me back in 30 minutes. I explained that I had already requested a callback and did n't get one. After some back and forth and no effort to put a supervisor on the phone with me, I explained that I would file a complaint to which the agent replied to have a good day and hung up. I decided to call back and got a male agent who was much more professional. This agent actually read through the notes and mentioned that a manager at the store had indicated notes about possibly expediting the refund ; however, I would not be able to get any answers until Monday as the store is now closed and is not open on the weekend. I am quite frustrated at the lack of cohesiveness in the answers I have been provided and feel as though I am getting the run around. This is not a collateral loan, therefore, I feel as if holding an overage for that many days is not necessary. I also understand that I am responsible for this loan including any returned checks which may be presented. The overage was created from my draft which was not stopped due to pending payoff being processed and therefore the {$210.00} and change drafted out of my account is being held more than the federal reg CC guidelines of 11 days. I would like a formal response from the company in regards to the lack of training on policies and procedures given the numerous different accounts of how my refund would be handled.
05/15/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 337XX	Web
My significant other took out a loan through Springleaf financial and asked me to cosign. I was reluctant from the beginning and have since dicsovered several things about the loan that appear to be unfair, dishonest and misleading. Shortly after taking the loan out, XXXX XXXX attempted to deposit the checks she received. They were returned and springleaf explained that they had to be endorsed and sent to the creditors. At this point I contacted the springleaf branch and explained that I was not comfortable with the loan and would refuse to sign/endorse any future papers or checks. Springleaf dishonestly reprinted the checks leaving my name off ( the contract clearly states that several of the checks are to be printed with my name on them ). This was done to be dishonest and refuse me any right of to reverse the terrible decision made. I have copies of the checks to verify that my name was ommited. I obtained a copy of the contract and in reviewing it noticed that a life insurance was applied. XXXX and I were never had any insurance explained to us or told that voluntary insurance was being applied to the loan. We had no idea what this insurance was for and why it is on the loan. I find this very unfair and dishonest by springleaf. When I reached out to the insurance company they explained that they are owned by springleaf financial. Further explanation of the insurance explained that the coverage is used to make sure that in case of the borrower 's death financial obligation of the loan would be removed from her spouse/life partner. Being that I am the cosigner it would not remove my obligation and therefor is completely useless and we would never have agreed to such insurance had it been explained. During the loan our loan officer pointed and told us where to sign, initial and date with no explanation of any insurance. Springleaf 's reporting to the credit agency has had a very intense and harmful affect on my personal and private life. I have asked them on XXXX seperate occasions to stop reporting to the credit agency. These attempts are verifiable through XXXX complaints and emails. Springleaf is still reporting and refuses to stop. I have reached out to the branch manager, Distric Manger, corparate office, legal department and submitted a XXXX complaint and springleaf on all occasions refuses to acknowledge their wrongful practices. As a consumer I have rights and feel that springleaf financial has violated my rights by refusing my request to cease contacting any and all credit agencies regarding their loan, by going against the terms of their loan and dishonestly writing checks with my name deliberately omitted, and by forcing useless voluntary insurance on a contract without explaining it.
02/03/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	VA 22152	Web	Servicemember
Good day XXXX, I want to say that I am XXXX XXXX veteran XXXX female. I am not sure if you are the right agency to contact about my personal concern with how I was questioned by a financial institution when I requested and applied for an online loan. I applied for a small home improvement loan through I can not remember if it was through XXXX or XXXX. OneMain Financial online lending institution was one of the potentially interested online lenders of my application request. It was about XXXX XXXX, XXXX, the agency wrote to me through email asking me to call. I called and was asked a bunch of questions about my monthly incurred living expenses. If I remember correctly he took down the information and said that he would get back to me. I received a call one morning when I was asleep I answered the telephone and it was OneMain Financial calling waking me to ask more questions when I thought that I had answered everything on the first call. If I can remember it correctly I was still sleepy not really focused for the day ahead of me and he asked me out of the clear day if I ever filed a bankruptcy. I struggled to understand what and why he was asking I am also moderately hearing impaired. So I repeated what I thought he said however I asked if he asked me if I filed for bankruptcy in the last seven years. He repeated had I ever filed for bankruptcy I remember thinking can he ask me that? I thought I was protected if it was more than seven years ago and that I did not have to answer. I was perfectly willing to be told no OneMain Financial would not loan to me. He insisted as I said I was waking up and I did not want to respond but found myself responding yes. He asked when my bankruptcy was filed. I told him in XXXX XXXX. That was more than 20 years ago and I was frightened into it by the creditor XXXX threatening that they would send XXXX truck to my living place to pick up the money that I owed them. I was scared and I filed rather than be subjected to intimidation I had also recently received a telephone death threat and we were talking by phone. I received another call by a female who asked me similar questions as the first XXXX people and instantly told me I could not be approved. My concern is did this online financial institution OneMain Financial have a legitimate right to ask me about my credit 20 years ago when I had lost a job, and was near homeless. That XXXX XXXX on my birthday I was evicted and spent 10 years homeless. I was reminded of that period of time in my life it caused me emotional distress. I hope if you are not the right agency that you XXXX will point me hopefully in the right direction of who I should direct my concern to. Thank you.
08/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 622XX	Web	Servicemember
Hello, I have a revolving line of credit ( {$15000.00} ) offered to me after buying an automobile ( in XX/XX/XXXX ) through XXXX where my monthly payment was based on {$100.00} a month for every {$5000.00} borrowed. The car is 'paid-in-full ' however, I 've yet to make a dent in the additional loan, but I 'm paying on time. My loan was sold to Springleaf Financial ( SLF ) from XXXX around XX/XX/XXXX/XX/XX/XXXX. Since that time I 've had XXXX serious issues come to light in the management of this loan. My situation at present is as follows:1. I was assessed 'late payment ' fees immediately after coming under ( SLF ) yet I left XXXX with my account current and up to date. 2. My monthly payment was increased from {$310.00} p/month to {$340.00} p/month ( XX/XX/XXXX ) without signing any amendment to my original contract under the pretense that I would have more borrowing power in the future if I needed it. I felt fine were I was but felt if I could not pay my loan off in full, I would have to agree and pay ( nothing was signed or said ). My inner thought on this was what if I did n't have the extra money to do this? Where would I been then? There are horror stories on the web on how this institution has messed up family lives and finances! 3. This last one is the kicker : I 've been charged this month ( XX/XX/XXXX ) with an 'Annual Fee ' of {$50.00} for what reason I do not know! I thought this was a fee credit card companies imposed on the use of their card ( s ). Bottom-line though, I was not informed of this at all nor was I ever paying it when I was with XXXX! It just showed up on my statement. What 's also strange is that it was assessed this month yet in the block 'Fees charged in XX/XX/XXXX ' - the column has XXXX in it!!!! As far as I know, I did n't pay this last year. ( See attached billing statement ). My initial thought was to immediately confront then on their latest 'money grab, ' but I thought better of it once I discovered there was a federal entity that deals with such matters. Should I report my latest 'eye-opener ' to them and then mentioned my XXXX previous incidents, or do I wait until you 've had a chance to review my concerns and provide some guidance maybe? I 'm in no hurry, but I would like to know what 's going on with this company. I 'm sure there may be other customers asking themselves the same question! My last XXXX concerns, ( 1 ) if I make an attempt to understand what 's going on would it in effect put a target on my back by complaining about these seemingly small breaches of protocol on contract management? ( 2 ) Due to inaction on my part, have I lost the opportunity to effectively complain at this point?
10/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IN 47331	Web
Today XX/XX/XXXX I received 3 phone calls from XXXX at One Main Financial who stated that the matter was urgent and that she needed to speak to me right away. I had called previously and called once more and finally got her on the phone. She then told me that my XX/XX/XXXX payment did not post and that it was coded that my bank account was frozen. I told her no way. I told her that I just left the bank and my account is fine. We spoke of other methods of making a payment and she agreed that my wife could call with a debit card to make the payment. She smugly told me she was just worried about my account. This suppose concern seem odd to me immediately. I later spoke with my wife about the matter and she told me she was in our bank account and that payment did go through with no problems. I also recalled being online earlier and seeing that the payment showed posted for XX/XX/XXXX. On that subject, I had went into the local office, on XX/XX/XXXX and changed my banking information and XXXX processed the payment electronically. Nevertheless, I called XXXX back and told her the payment with through just fine and that it showed online and that I even spoke with One Main customer service department who confirmed the payment. She ask me to screenshot her the XXXX XXXX XXXX payment. I told her I was n't sure I should do anything like that. She said she would have to contact her Manager because she shows a code 16 and the payment is not showing that she sees. I then called customer service back and spoke with XXXX XXXX and he told me we actually made two payments of {$100.00} for XX/XX/XXXX that went through fine from he sees. I then requested to speak with a supervisor. I also explained to XXXX XXXX problems my wife and I have had in the past with this office. He apologized for our troubles. Somehow I got disconnected when XXXX XXXX transferred. I called back and spoke to XXXX who would not give me XXXX XXXX but said she could transfer me and transferred to a voicemail box with no greeting and I left a message assuming I had the supervisor. She said, as did XXXX XXXX the supervisor 's name is XXXX XXXX. My wife called and as asked by XXXX ( at local office ) but was given her voicemail box and found that telling. Neither my wife or I have received a call back from the local office. It appears very obvious to us that I/we were being harassed deliberately by this office, as my loan is close to being paid off. As of this writing I have no heard back from the supervisor I requested a call back from. Having worked in as a customer service rep, I can say that I believe the above employees deadpanned my complaint to the company.
03/31/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21202	Web	Older American
Spring leaf/OneMain XX/XX/XXXX I filed a complaint with CFPB under XXXX. I found that there were more issues than I has originally realized. I have OVERPAID this account more than {$21000.00} I had been paying on this loan from on or about, XX/XX/XXXX - XX/XX/XXXX. That is almost 12 year. I have made many requests to get a copy of my complete financial report for that period, to calculate my exact OVERPAYMENT. *OneMain 's representative, XXXX , Executive Office of Customer Care , XXXX, advised in her response to my complaint with CFPB , " that I was on a recorded line. When I would not accept her offer, suggesting she needed to address my additional concerns, XXXX XXXX said she had to speak with her paralegal, before agreeing to give me my financial history. XXXX came back and advised that since I had not accepted her proposal, she would send it to CFPB along with her response to my complaint. Her letter dated XX/XX/XXXX, to CFPB, indicated there was an attachment. I spoke with CFPB, Agt XXXX XXXX, who advised no attachment was received. I had been asking XXXX for my " Account Transaction History '', since XX/XX/XXXX. Many promises have been made, but the history of what was done with my money was never sent by XXXX. Proof of advancements has not been provided XXXX stated, XX/XX/XXXX, that I had made XXXX additional " lines of credit '', increasing the loan almost an additional {$4000.00}. I requested that the proof of these advancements be provided. This would mean thatOneMain states it is showing {$14000.00} was loaned, including XXXX amounts {$490.00} and {$560.00} less than days apart. I would like to see the proof that these advancements were made by me. Despite the fact that I have regularly payed on this loan for almost 12 years, my balance with OneMain still shows it is almost {$9500.00}. According to XXXX, OneMain will allow me to continue paying, but with the interest rate reduced to XXXX. Further, OneMain says it will waive {$660.00} in late fees. This last files in the face of a statement from XXXX where she says, in her email to CFPB XX/XX/XXXX, ... '' However, your account has received consistent principal reduction since your payments were made timely. '' ... " and no late charges assessed to your account in the future. '' ( Same email XX/XX/XXXX ) How can OneMain refuse to give mean actual history of the money paid from XX/XX/XXXX to XX/XX/XXXX. I made my last payment to OneMain in XX/XX/XXXX after reviewing and calculating the status of the loan from my own records showing what I believe to be approximately {$21000.00}. If OneMain disputes this amount, then where is the account history.
06/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60619	Web
Unfortunately, OneMain/Springleaf is continuing to string me along as a consumer in hopes they can bully me. This is in response to my latest communication with OneMain/Springleaf who actually suggested themselves that I file another CFPB complaint. First they take the FULL 60 days in responding to my first, original CFPB request ( Case number : XXXX, -XXXX 2017 ), then respond giving me only a few weeks to review and respond. All the while they are reviewing, they are stressing that I continue to make my monthly payment which is interest only. After they submit their response in XXXX, the response and claims are very incomplete and false. 1 ) I NEVER asked for settlement. I only asked to pay what I should owe based on account payments over time. They tried to say I asked for a settlement - which I never did. I asked to pay off what I calculated I owed given my payment history. They changed my words around on several occasions to say that I said I want to 'settle ' my loan as if I am trying avoid paying what I owe. This is just a blatant lie and an obvious strategic smear to place on me as a consumer. I not once said I wanted to settle, and I stated this several times, yet their documentation keeps saying that I said this. 2 ) After 60+ days of supposed " review '', they supply incomplete information from my first CFPB complaint. They stated I authorized agreement to terms, but do not at all provide documentation stating so. They only provide my original loan agreement and the statement of terms to date. I had to send another response asking for the additional documentation to support their own response. 3 ) There is no where stated on my original loan, that my loan is " pre-computed '' loan. They are now saying this to justify a revert to an interest-account account. However, this is never stated in my papers, therefore I could not have possibly known an AOT would chance my loan to this. So my last 1+ years of payment were solely interest only to justify the overall inflated balance they now say I owe. 4 ) Since this is going on 6 months +, they have tainted my credit and hampered me from making other solid financial moves, due to a significant credit score drop. I feel this is by design in an attempt to bully me, since they previously stated that " I do n't have my own legal representation ''. I am being bullied my OneMain/Springleaf, and I had been a long-time customer for over 10 years. I do n't know if the Springleaf merger changed how they do business, but until they show how and why they changed the terms of my account, I feel fraudulent methods have occurred on my account.
07/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MT 595XX	Web	Servicemember
Less than 3 weeks ago I first applied for a personal loan with ONEMAIN FINANCIAL and was denied. Approximately 1 1/2 weeks after that denial I received an email from ONEMAIN FINANCIAL soliciting me to request again for a personal loan. I did apply again and received a call from " XXXX '' from ONEMAIN FINANCIAL on or about XX/XX/XXXX and he informed me after asking numerous questions that I was " APPROVED ''. XXXX asked me to submit ( 1 ) Pay Stub ( 2 ) Phot ID ( 3 ) Authorization to release information form. XXXX told me I was approved for {$7200.00} but I told him I only needed {$7000.00}. XXXX told me how much my monthly payment was going to be, interest rate, & the term of the loan ( 60 months XXXX. On or about XX/XX/XXXX I was notified by ONEMAIN ( name of rep unknown - did not write it down ) my loan was denied but the following day XXXX called me and said it wasn't denied but rather it was approved by underwriting but the fraud department of ONEMAIN needed more information. XXXX asked me to provide a copy of a voided check and my W2 from XX/XX/XXXX. I told XXXX that I felt uncomfortable providing so much private information. XXXX told me " your loan is approved don't worry it's that the fraud department needs my information because of my fraud alert on my credit ''. I submitted the documentation XXXX requested and the following day I was conducted by XXXX stating that the fraud department has verified and confirmed all the documentation I provided but needed more. XXXX asked me that I need to provided a copy of my social security card, utility bill, & a copy of my most recent bank statement. I displayed my concern to XXXX regarding feeling uncomfortable providing such private information ( 9 DOCUMENTS IN TOTAL ). XXXX told me " your loan is approved & the fraud department needs this information because of the fraud alert in your credit ''. I emphasized to XXXX that I will only provide additional documentation if he is certain my loan is approved. Without hesitation XXXX stated " It is the only thing holding the funding into your bank account if for the fraud department to have the documentation because it is in the best interest of ONEMAIN to have it because of my fraud alert on my credit report ''. Although I was very hesitant and uncomfortable with the additional documentation being requested of me I told XXXX I will provide this additional information only because he has assured me that the loan was approved. Approximately 3 days later I got a phone call from a ONEMAIN representative telling me my loan was denied ( very unprofessional & rude ).
09/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 604XX	Web
On XXXX XXXX, XXXX, I attempted to apply for a loan with One Main Financial on-line. I received a call from XXXX who seemed to be asking extensive questions. After I hung up I realized what I thought I was applying for was going to be secured by my home or my vehicle and I wanted an unsecured debt consolidation loan. So I called back XXXX immediately and cancelled my loan application, she asked why and I said I changed my mind. She never said anything more. On XXXX XXXX I received a denied application notice. I was surprised since how can a cancelled application be denied. I called on XXXX XXXX ( because I work ) and talked to XXXX. Explaining the situation, told him of my concern. He did not do anything except offer to send me the reason for the denial. 1st email Thank you for considering OneMain for your credit needs. After careful review of your loan application, unfortunately, we are unable to approve your loan request at this time. If you would like a statement of the specific reasons why your loan request was denied, please contact us at OneMain, XXXX. XXXX XXXX, XXXX, IN XXXX, or call XXXX, within 60 days of this letter 's date. We will gladly provide you with a statement of reasons within 30 days of our receipt of your request. Please include the reference number and the date of this letter in all communications. Our review process may have included information obtained from a credit reporting agency. This agency was not involved in our decision on your application and can not provide you with the specific reasons for our decision. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your report from the credit reporting agency listed below within 60 days of the receipt of this notice. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have the right under the Fair Credit Reporting Act to dispute with a credit reporting agency the accuracy or completeness of any information in any consumer report furnished by the credit reporting agency. 2nd email Thank you for contacting us about your OneMain loan application. Below are the specific reason ( s ) your loan was not approved at this time : Incomplete Application We invite you to visit OneMainFinancial.com/Learn, which has valuable resources and tools that can help you learn how to achieve your financial goals. Sincerely, OneMain XXXX. XXXX XXXX XXXX, IN XXXX For me there is a significant difference between a cancelled and a denied application. Thank you.
01/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	PA 18704	Web
I was unable to make my regular scheduled payment and had notified the branch office where my loan was obtained, as you must deal with the location that issued the loan. The branch thanked me for notifying them and indicated since it was so close to the end of the month, my loan would likely move from their office to the corporate office. Just a few days later, " the corporate office '' contacted XXXX phone numbers, only XXXX of which was my business phone number. When I questioned why they had called XXXX different numbers, some of which are in no way associated with me, I was told " because you were n't in touch or responding ''. When I said I had just been in touch with the branch office less than 1 week ago, the individual said " do you wish to file a complaint? ". I had responded affirmatively, as there was no reason for 6 calls in a short period of time on the same day to all different phone numbers. About 1 to 2 weeks later, I was notified the issue was with the Executive Customer Care team. I heard nothing further. A few weeks later, I was notified the case & complaint had been closed. I immediately sent an email to the person assigned to the complaint. He then called me and told me he had left me a message and I never returned his call. When I told him there was no call from him and I had proof, he went on to explain they have access to a database or something similar that provides possible related phone numbers. I again reiterated, 1st he never addressed my complaint, 2nd, he never made any contact with me prior to that day. He stumbled & stuttered in an attempt to cover up his failures. When I questioned him in regards to the outrageous number of calls, especially when I had been in touch with the branch just days prior to this event and if contacting all these numbers was just an attempt to humiliate and intimidate me. He did not deny my accusation, just once again reiterated the database with possible related phone numbers. It was clear I was not getting any resolution from the " Executive Customer Care '' team. I had indicated at that time that I would file a formal complaint against Springleaf Financial. He assured me, despite my decision, they had removed any of the potential phone numbers associated with me and would only contact me on the phone number I had provided. Subsequently, Springleaf has once again contacted phone numbers other than mine, indicating they can not contact me and " have an important business matter to discuss with me ''. If this is n't harassment and humiliation, I honestly do n't know what else it could be.
10/08/2018	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	IA 52601	Web	Older American
On Friday the XXXX of XXXX, I applied for a loan for {$10000.00} through One Main Financial in XXXX Iowa. I spoke with XXXX at that office and he requested specific information which I provided. He then asked for various documents which I had to wait until Monday ( today the XXXX ) to provide. When he spoke with me on Friday, he informed me that I was approved for a slight amount over {$6000.00}. When I spoke with him today enroute to XXXX to which I was led to believe was to sign the documents, he informed me that I was not approved due to my alimony not being permanent for the stated amount for 2 years. I was not informed of this when I applied for the loan. My alimony MUST be continued for at least two years. To me this is discrimination. Additionally, when I spoke with the XXXX office today, I was told that I could use my fianc as a co-signor on the loan and then I was turned down there also due to his recently having completed bankruptcy although his credit score is in the lower fair range. I am also filing a complaint in that every loan application I attempted to complete today redirected my application directly to ONE MAIN FINANCIAL. I checked the XXXX XXXX website and it automatically shows One Main Financial. When I went to other loan companies, including XXXX XXXX, I was automatically redirected to One Main Financial. I feel that this is a blatant false and misleading representation by One Main Financial. I also believe that they are intentionally misleading the consumers in their manner of using other companies to direct them to their company and also in the methods they are using to decide the approval or disapproval of loans to certain people. I am divorced and rely strictly on my former husbands alimony and half of his social security of which I presently have to pay almost half of that towards my Medicare cost for the next year. I would appreciate anything your organization can to do determine and receive a complete and transparent reply from One Main Financial as to WHY they are using other companies to lure consumers to their website only to be strung along thinking they will be receiving their loan ONLY to be turned down upon submission of the paperwork as requested. To submit all of the paperwork, I spent over XXXX in fax charges that they did not offer to reimburse me for after denying my loan request AFTER I was approved on Friday. XXXX DID NOT TELL ME it was PRE-APPROVED, he simply asked for the paper work for their records. This was heard on the speaker phone by my fianc who lives with me. XXXX XXXX
03/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 372XX	Web
I took out a {$4000.00} loan with Springleaf Financial Services. I applied online for the loan. I went into the company 's office to pick up the loan check and to complete the process.The loan term was to be 36 months, with a payment of {$190.00}. The loan specialist showed where they had applied several insurances unemployment, XXXX, and XXXX different accidental death. I told him I did not want the insurances. The worker assured me the insurance would be removed from the loan. The date of stated above loan was XXXX/XXXX/2015. According to Springleaf policy my documents would be emailed to me. I made 10 payments on time .i received {$1500.00} loan on XXXX/XXXX/2015. It was to be same 36 month term as the first loan. Payments were to be {$260.00} a month. As before I did not want the insurance. I received my payment statement for the combined loan with a balance {$12000.00}. I had only borrowed a total of {$5500.00}. I called spoke with XXXX the manager, she told me if I only made the minimum payment it would be the {$12000.00} amount. I went to their office and got the paperwork I never received. I am completely horrified at the amounts I was charged and what was added to not one loan but both! The XXXX loan I was charged {$1100.00} for insurance premium s I had declined. I only borrowed {$4000.00} but it showed I had financed {$5100.00} with pre computed interest added {$3100.00} with the loan term 42 months! This was not the amount and terms I had agreed. The 24 % APR turned out to be 28.86 %. The XXXX loan was combined and another {$2000.00} in insurance premiums added to the original {$1500.00} loan amount. The amount financed was {$7500.00} with interest {$4900.00}. The term was for 48 months This is predatory lending at its worst! I have called and spoke to several staff and managers each time I am told something different. When I said I did not want the insurance on either loans and it was only 36 months. XXXX said I could not pick the loan term duration ... Why was I asked then! The insurance premiums total the amount of {$3200.00} then with pre computed interest added to each payment, over {$5000.00} added to the original loan amount combined of {$5500.00}. I have kept my ground and when they realized I had been charged for the same type insurance twice on the last loan, they made arrangements to refund the premiums of the XXXX loan in the amount of {$2000.00}. I do not find this acceptable. I want the amount of the XXXX loan insurance premium {$1100.00} plus interest that was added to the full amount of {$3200.00}.
12/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33025	Web
I took out a personal loan with Springleaf Financial, which has merged with OneMain Financial recently. I am unable to obtain accurate and timely information about my account and payments due from OneMain. On XXXX XXXX, 2016, I made a payment of {$730.00}. This was for reinstatement of the loan to current since I had missed XXXX payments ( XXXX - XXXX 2016 ). My monthly payment amount is {$170.00} on the XXXX of each month, so I assume the difference of {$32.00} included late fees? On XXXX XXXX I spoke with a representative about my XXXX thru XXXX payments. The representative explained that I was past due for XXXX and XXXX ( true ), and that the XXXX payment was due on XXXX XXXX as per usual. The total amount due was {$570.00}. I questioned this amount because {$170.00} XXXX 3 months is NOT {$570.00} ; there was a difference of {$45.00}. She explained that there were late fees outstanding and an NSF fee from XXXX 2016. This was a surprise to me because if I paid a lump sum on XXXX XXXX, all fees should have been included in the 'amount due ' when I made the payment. The rep confirmed the fees were not included. She stated that she would request a waiver of a {$15.00} late fee and payment of {$350.00} would bring me current until my XXXX XXXX payment of {$170.00} was due. Alas today is XXXX XXXX and my account still shows a past due balance of {$570.00}. I called OneMain to question why my payment of {$350.00} has not been applied, and what happened to the late fee waiver? The rep explained that on his end he can see an amount due of {$200.00}. I have enclosed a screenprint of my online account so you can see the amount online does not match what the rep instructed me to pay. He then came back and stated that the late fee waiver was not updated in the system because they are n't reflected until the payments post. Why has my payment not posted in 8 days? I am further frustrated by the lack of any valuable detail on my billing statements. They do not break out the origin of outstanding fees, the date said fees were incurred, how my payments are applied toward principal, interest, etc. I have attached several months of billing statements to substantiate this claim. These billing statements are as useless as the online account. The representative I spoke with today is now confirming that I only owe today 's payment of {$170.00} which I have literally NOWHERE in writing. The rep states that he can send a 12 month payment history to validate how my payments have been applied but I have no confidence whatsoever.
07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	NC 280XX	Web
XXXX XXXX XXXX XXXX XXXX ; located in XXXX XXXX, NC. XXXX XXXX XXXX Co Manager has filed a false judgement/lien against me and my good name at the XXXX County Clerk of Courts Office and filed a Writ of Execution from the XXXX County Sheriff 's Office ( Civil Division ) from the XXXX County Clerk of Courts Office on behalf of Co Manager XXXX XXXX XXXX of Springleaf Financial Services XXXX XXXX, NC for the amount of XXXX plus a Sheriff 's fee for the collection process, court costs and any interest due which is accruing daily. An Execution is a judgement entered against me which is recorded in the courthouse and is affecting my good credit, name, opportunities, as such time it exists. As a result any property which I own that has not been designated exempt by the courts is subject to and is sold in order to satisfy this FALSE JUDGEMENT ENTERED AGAINST ME by XXXX XXXX XXXX of Springleaf Financial Services signed by Sergeant XXXX XXXX dated XX/XX/XXXX. Springleaf isn't in business anymore due to a Federal Court Order to divest 127 Springleaf branches including North Carolina and 7 other states. Springleaf has already been cited by Consumer Financial Protection Bureau in XX/XX/XXXX by violating Federal Laws their practices hurt consumers while compensating the employees of Springleaf .. Ratios stated credit little value to the customers even while selling the credit insurance used deceptive practices and EVENTHOUGH I I canceled my XXXX Insurance XXXX XXXX XXXX in the principal balance deliberately failed to correctly deduct my portion of monies owed to Springleaf Financial Services and refused to correct my balance owed to Springleaf when bringing this to her attention on XX/XX/XXXX with the Office Manager agreeing with XXXX XXXX XXXX. I was still ordered to pay the Incorrect Principal added to my Balance then and was threatened to report that balance to credit bureau hurting my credit scores. I was called and harassed by office personnel after hours and before I paid my loan with letters too violating the collection laws of NC. The company is XXXX XXXX XXXX XXXX has reported this balance of XXXX which I deny owing then or now. XXXX XXXX XXXX and Management of Springleaf held monies owed to me and added fees to this false debt/claim and reporting the errors to The XXXX County Clerk of Courts Office as a judgement/lien and The XXXX County Sheriff 's office civil division to hurt my credit and violating my FTC Laws and Credit Reporting Act because this isn't true but false I owe Springleaf nothing.
06/09/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	MS 39042	Web
I applied online to One Main Financial for a personal unsecured loan in the amount of {$4900.00}. I was directed to the local branch after applying for the loan. I have had several loans in the past with One Main and they all have been paid on time ( never late ) and have all been paid out as well. I was contacted by the XXXX, MS branch to complete credit application and according to them, get authorization for One Main to pull my credit. I was under the impression that I had done that when I applied for the loan. During the course of the conversation, I asked to speak with the Branch Manager because the person I was speaking with said that I had to give her the make, model, miles and VIN to ALL my vehicles in order to have a " complete '' application. I told her that I was not applying for a car loan, a collateralized loan or looking to refinance my vehicles ( all are currently with other lenders ). The Branch Manager XXXX XXXX explained that they were bought out by a new company and this was a new requirement and that I was required to give this information or the application would be considered incomplete and not processed. In my opinion this is wrong and should be illegal, if it is not. If they advertise unsecured personal loans, then one should able to apply for that type of loan. If they are unable to approve a personal loan without some type of collateral, then that product should be offered at that time. If they approve a person for an unsecured personal loan and then want to offer them different products as options, then do that. But to REQUIRE an individual to furnish their vehicles ' information to the point of providing a VIN is suspect and smells of fraud or bait and switch tactics. In the past, I have applied for loans at One Main and they always gave me the option to borrow more money with a vehicle as collateral. I do n't have a problem with that. It makes sense that with collateral they would be able to lend more money. But to require this information under the guise of being able to offer you what you qualify for with other types of loans is very suspect. It appears that they are trying to " go after '' these vehicles and bait and switch you to something else that you did n't apply for. I contacted the corporate office and asked for an explanation and asked for a supervisor and they simply transferred me to XXXX XXXX at the Branch In XXXX, MS . It makes you wonder what kind of company this is when you ca n't get in contact with anyone at the corporate office.
09/09/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	TN 38116	Web	Older American
On XXXX/XXXX/16, I contacted a financial services company to request a personal loan. We processed the application and I was issued a disbursement check for {$3.00}, XXXX ; after which I deposited into my checking account. I recontacted the company within two business dates ( XXXX ), stating my intentions to cancel the loan and return the proceeds, citing a high percentage rate and my general feeling the repayment length was too excessice. I spoke with the Branch manager who assured me I could cancel the loan as long as I returned the entire amount initially advanced. Upon my arrival at the office, I delivered a cashiers ' check in the above mentioned figure and I was given a receipt. Upon closer examination of the receipt. I noted the Manager had posted the check towards the principle of the loan, rather than voiding the entire contract. I was informed since I no longer had the original check, my receipt was sufficient. I further add since I had a active account balance of {$1800.00}, prior to this new loan, the application paid off the existing loan and I was set up to make payments for four years, all totaling to over {$9000.00} plus. Since I returned the cashier 's ' check, the balance owing was now {$6000.00} plus. Once I voiced my dissatisfaction with their accounting tactics, I was reassured this figure would fall off with coming days. On XXXX, I opened mail at my home from this lender, and was horrified to see I was still listed as having a debt of {$6000.00} ; which I had specifically asked to cancel. I believed I was within my rights to negate the loan, since five business had not elapsed once I returned the cashiers ' check. Immediately I contacted the office and was told repeatedly, the manager would contact me via phone, which never materialized. After the XXXX holiday, I contacted the office and was reassured the loan app would be nullified, yet this has n't happened. Each time I try to impose my right for cancellation, I am told the {$6000.00} sum is being maintained for paper control, and I am only liable for the {$1800.00}. plus which remained on a prior balance. I contacted the headquarters of this company and verbalized my frustration and wrath in being forced to take a loan which I had clearly voided. Supposedly, the headquarters will investigate this matter within seven to fourteen days. Additionally, my duplicate set of the loan application was confiscated by the manager, so I do n't have actual documentation to contest their procedures.
12/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NC XXXXX	Web	Servicemember
Sometime in XX/XX/XXXX I began a Loan relationship with this Finance company called : One Main Finance Co. in XXXX, NC, and I did have a couple of successful small loans with them, and I paid them off in full, but at some point in XX/XX/XXXX I had decided to make a large amount purchase and therefore I needed at least {$5000.00} so I decided to go along with a secured loan project with One Main, which involved signing over my vehicle owners title, for my XXXX XXXX, XXXX as the security for the loan. I did receive the loan and committed to making my scheduled monthly all on time from that point up and through the better part of this year, XX/XX/XXXX, until I had a pretty bad automobile accident that totaled the XXXX, and the Insurance company for the responsible party paid for total value of the car directly to One Main, since they had a lien on the car anyway, which paid off most of the remaining balance owed from the title loan, but One Main refinanced my loan for which turned into a unsecure loan at that point. They continued to hold a lien on the car, as of today, but they had refuse to tow the disabled vehicle away from my parents property where it was sitting following the accident. Around this same time frame of the accident I also was in the middle of a bankruptcy proceeding which finally was concluded, in my favor, that also relieved me of any further payments owed to One Main. But afterwards, I was advised, following the overall exposure about my involvement with One Main and a title loan, in NC. The statement was made to me from a couple of un-official sources, that title loans were outlawed and illegal in the state of North Carolina!? And when I posed the burning question to One Main, and the ( XXXX ) XXXX XXXX XXXX of Indiana ( the source I had to file my complaint to because One Main is Head Quartered in Indiana ), I get no answer from One Main, or the XXXX, just the runaround it seems. And One Main with all their deceptive information and out right lies, misinformation, rude and unprofessional phone conversations and false documents, upon lies leaves me wondering still, is it illegal for One Main to practice, perform title loans in the state of North Carolina??? ( now this question is for XXXX?? ). If so, then I feel like with all I went through, and the entire financing episode with One Main, the high interest, etc .... they owe me some type of refund of my money, if not all of it!!?? Please advise!! Thank You, XXXX XXXX XXXX
10/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 601XX	Web
My claim number XXXX has been recently closed. I have made numerous calls to XXXX XXXX and One Main Financial in XXXX XXXX, IL where I spoke to the manager XXXX regarding this matter to obtain clarification. I was advised that XXXX XXXX was not receiving records from my current doctor, XXXX XXXX, in order to prove that I asked the doctor for the medical records I had XXXX on a three way call with my doctors office and they intern told XXXX that the records requested had been sent. On XX/XX/XXXX, I received a call from XXXX at One Main Financial in XXXX XXXX, IL., in which he stated my bill still had not been paid. I called XXXX XXXX again and was advised that the information they were requesting was from XXXX XXXX which is a doctor I had not seen since XX/XX/XXXX. Prior to this date XXXX XXXX supplied all medical information to XXXX XXXX and my claims were paid, in addition from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX paid my claims while under the care of XXXX. While speaking to the XXXX XXXX representative regarding my claim she advised me that she could not tell me what XXXX XXXX needed from XXXX. I was confounded by this statement, because if you are requesting my medical information from a doctor I no longer see I should have a right to know what medical information you are requesting. I asked could the information be sent to my attorney and maybe she could ask XXXX , XXXX to supply the information to XXXX XXXX. I was advised that the attorney does not have a right to know what we ( XXXX XXXX ) are asking a doctor whose care I am no longer under. In lieu of this matter I had the attorney fax XXXX XXXX my medical records from XXXX XXXX I am uncertain what information your company is looking for but I paid a premium for their XXXX insurance, I am off work on XXXX and have been since XX/XX/XXXX, XXXX XXXX XXXX has paid my claims and I am appealing your denial of my claim and ask that you re-instate my payments to One Main Financial. From the local office i receive up to 10-15 calls a day, XXXX XXXX and One Main both companies are aware I am on XXXX, this harassment is causing me more health issues. I don't have the money to pay the bill which is why i purchased the XXXX insurance. I have not been presented with an appeal process or any facts of why my case was closed. I am trying to save and borrow money to pay the bill or pay something on the bill but the amount One Main stated I could pay was denied 4 days after I agreed to pay it.
09/30/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AL 35242	Web
I applied for a loan secured with my car on XXXX. I borrowed {$5000.00}. I asked if there was a penalty for early payoff & I was told no. I asked the man before signing ... if I cashed the loan check then immediately paid it back would I only owe the {$5000.00} & he said yes. Then my first statement cam in the mail & said I owed over {$10000.00}. I was terrified & called One Main Financial. They assured me I did n't owe that. I only owed the $ XXXX I had borrowed. The lady said she never understood why their statements always put all the interest in like that as the balance. She assured me I only owed the {$5000.00} I borrowed. One Main 's online information is shady & vague. My account never shows what part of my payment applies to principal vs what applies to interest. My mailed statements are also shady & vague offering no information. It is like they took all the interest that would accrue over the life of the loan ( 5 years ) & they lumped it together in some false balance due. They act like I owe all the interest that would accrue over 5 years but I owe all that interest starting day XXXX. I can not follow what is going on. I have asked the One Main corporate office for an amortization schedule to be told only the local branch can provide that. The local branch says they can not provide this info. I have made timely payments for 1 year & I was told on XXXX that my principal balance was {$5100.00}. When I asked the man on the phone ( XXXX XXXX ), how was it possible for a loan principal to ever be more than the amount that was borrowed especially after a year of making payments. XXXX said he was not sure but he thought One Main front loaded all their interest so I was n't actually ever making payments to my principal over the last year. I was dumbfounded. Mt principal balance was amended today by One Mail to approx {$4900.00}. Somehow in XXXX payments I have only paid {$19.00} of principal? My loan is only for 5 years & in one year I have paid nothing to principal?? An online generated amortization schedule show my principal should be somewhere between $ XXXX {$4600.00}. I feel like my money is being misapplied & One Main Financial thinks their average customer is too XXXX to figure this out on their own so they improperly apply payments & they hide how they apply payments by refusing to provide amortization schedules & by not making standard lender loan information available to their customers.
03/20/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	KY 423XX	Web
I applied for a loan with the office in XXXX KY for the company OneMain Financial and I was discriminated against because I am on XXXX. I feel It was wrong to treat someone with a XXXX the way I have been treated. The Office Manager She hid behind my student loans that are deferred for a year after I was initially told that I could be helped if I got her paperwork of them being deferred for a year. I was working with a loan officer initially when I applied for the loan of $ XXXX {$3000.00} dollars and was told because I have student loans showing up that I need a letter showing they are deferred for at least a year before they could help me and give me a loan that was company policy. I talked to XXXX Friday and told her I had the letter and I also had my award letter from XXXX as well stating I had backpay coming and if that could be used as well to show my income for the year as it was from XXXX and that was the source. She said to send the paperwork which I did. She said her manager would have to look at it and approve it and would look at it Monday. Well, she called me today and told me she could not help me because my student loans were only deferred for a year and my XXXX was my only source of income and I had a credit payment and then insurance would have to be put on the car. I explained that I could afford everything and needed the car to get to doctors, food shopping and appointments and she said that I would have to get my student loans discharged permanently before she could help. I explained I could not do that because I did not have any way to pay taxes that would be due because the way it works when student loans are discharged. I begged her to help and it kept being brought up that I was on XXXX and had Student loans that would be coming up due in a year. I only needed the loan for a year and could have paid it off I explained and she was wanting to extend the loan for over a year I guess to make more in interest which I only wanted the loan for a year, to begin with and she kept bringing up that I was on XXXX and she could not count my backpay as anything and if I get my student loans discharged she could help me then. My Student loans are none of her business and what gives her the right to tell me to put myself in further financial problems with the IRS her advice was not logical and she was discriminating me and hiding behind me having student loans for the fact of my income being XXXX.
02/17/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 280XX	Web
It became necessary for me to accept a loan modification agreement to ease the financial burden placed upon me. I asked for the complete documentation so I could look over the details. I was told by One Main Financial representative that no other documents existed and that it would remove the late payment history from my credit report. I was also told that there would be no extra charges for doing this. I continued to ask for paperwork which I was told did n't exist. I was told that I only needed to worry about the one piece of paper, which only included new interest rate, length of new terms, and total to be paid back. Now on my last statement is a remark of an extra charge of almost XXXX that will be added at the ending date of the loan. None of this was divulged to me before signing the agreement. Now they say they are going to mail me the full agreement. It seems to have magically appeared with the company but I have never seen it. The representative that did the loan modification does not work there any longer and all I have gotten as an answer is " we are sorry and you will see when we mail you the documents. '' Also the original loan is still showing on my credit report as late. I was told by their representative that this modification would bring my account to current status and my credit report would reflect this. So far this is not true. I have been lied to, pressured into signing the loan modification agreement before they revealed all details of the agreement. And now they want to reveal documentation that I knew existed but was told by many reps of the company several times before and after signing that did n't exist. I was rushed and pressured into this agreement and assured the whole agreement was on 1 piece of paper. Just sign, and return with a check. I did what they asked but they never divulged the full agreement. Only a cover page with basic terms ... ..nothing said about add-ons at a later date or ever. Now they say they have both agreements and will send them out to me and they are sorry that this has happened. This apology does not excuse their practices, nor does terminating a representative or having a representative quit. It was the rush, pressure, and misinformation from this representative that the company is responsible for. How would you feel if you bought a new car and found out on your 5th payment you were going to be charged extra for the tires that were on it????
05/24/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90503	Web
Step 1 : What is this complaint about? Being harassed and tormented with e-mails every day for a {$5000.00} loan I have to pay back after I sent them a letter asking them to stop contacting me. One Main completely ignored it. How can I pay them back if I dont have a job? My other creditors are not panicking that I havent made my monthly payments. Step 2 : What type of problem are you having? I used to be tortured with phone calls every day to collect the debt. I put a stop to that. Now I am receiving emails every day from One Main. Now I am wondering did I take out a loan from a financial company or did I take out a loan from the mob? Step 3 : What happened? I do not have a job, I have been trying to get one since XX/XX/2017. I have applied for over 250 jobs and have not been able to secure gainful employment. I also applied for a job at One Main. No response from them. I am also working with a job recruiter. When I fell behind on my monthly payments I started receiving phone calls every single day. The gentlemen from One Main stated the status of my account and asked when One Main could expect to receive payment. I explained my situation to him and the next day I got another call from him stating the very same thing. This went on for days. I explained my financial situation to the gentlemen from One Main again and again and asked why he was torturing me with phone calls every day and he told me its my job. So, I called their main branch office and got a customer service phone number and explained my situation to them and they put a stop to the phone calls. Now I get emails every day and now a letter saying they are going to turn my account over to an attorney for collection. Is it lawful for a company trying to collect a debt to treat people this way? I really dont know what to do with this creditor. This company is heartless and relentless. They prey on the elderly who are down on their luck. If I call them they will say the same thing to me again that they always have. When can we expect payment on your loan or we have payment options. What good are payment options when you dont have a job. Step 4 : What company is this complaint about? One Main ( lending company ) I wish I had never borrowed money from this company. When you go on the internet for One Main there are 2,902 consumer reviews and complaints. Step 5 : Who are the people involved? Myself, XXXX XXXX and XXXX XXXX from One Main.
08/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37862	Web	Servicemember
I was contacted by XXXX mail onXX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XX/XX/XXXX, then my father ( XXXX XXXX ) passed away in XX/XX/XXXX, and my mother ( XXXX XXXX ) passed away in XX/XX/XXXX( three months 2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. One Main Financial is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) death certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is One Main XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers death certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this One Main loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?
06/11/2018	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	NJ 08302	Web	Servicemember
In XX/XX/XXXX, I filed a chapter XXXX bankruptcy case number XXXX which included an auto vehicle, a XXXX XXXX XXXX for a loan that I had taken out with XXXX XXXX XXXX out of XXXX, XXXX. In the bankruptcy filing, I continued to make payments to Springleaf Financial for a " cram down '' that was done on the auto loan. It was my understanding that at completion of the bankruptcy, after discharge that the lien on the vehicle would be released and that I would be sent the title to the vehicle. The bankruptcy discharged on XX/XX/XXXX and I've yet to receive the title for the vehicle. In fact every company that I've contacted that had a hand in the proof of claim, transfer of claim and every other step claims that the are not responsible for the lien release on this vehicle. My problem still goes further. I since re-established myself and needed to purchase a reliable vehicle and have attempted to trade this vehicle. With the assistance of a local car dealer, they've tried to assist me with obtaining the title, the Division of Motor Vehicle for XXXX XXXX show that XXXX XXXX XXXX, the original lienholder has yet to release the lien/title. XXXX XXXX XXXX has been deemed a failed bank and has been out of business since XX/XX/XXXX. I have documentation that Springleaf of XXXX filed a proof of claim for the balance of {$5500.00} on XX/XX/XXXX, a transfer of claim was then done by XXXX XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that Springleaf recalled the debt due to the account being paid prior, the recall was completed on XX/XX/XXXX. Springleaf has said that they show this account- reference number XXXX as an unsecured debt and therefore have no lien to release. I've held up my end and completed all payments agreed upon as requested. I simply want the title to the vehicle so that I can move forward and on from this bankruptcy. It seems as if the laws don't cover the consumer and basically banks on the consumer not completing the payments due on the bankruptcy. I've made attempts to contact the FDIC since XXXX XXXX is now out of business. Again, I simply just want the title. I've spent countless hours on phone calls, writing letters, faxing and researching and no one seems to want to assist me but there was no issue cashing payments that were received for the debt. The dealership has offered me compensation for this trade and due to this issue I may lose the money on the t and
05/15/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	MI 48073	Web
How can an already established customer who always make on-time payments for over a year, start off being approved by the lender up until you actually meet with their representative? This is how ... I contacted them to apply for a loan for an emergency and they told me approximately 24 hours later that I was approved as long as I bring in pretty much the same documents I was required to bring in the last loan I received through them. I brought in the documents and the minute she approached me ( the lending specialist ) I immediately assumed she must've been having a bad day since her attitude, demeanor, and commentary was nothing like what I had experienced while speaking with her on the phone. I attempted to cheer her up by being complimenting but her attitude just continued to get worse. Then she started asking me for whatever documents she can come up with ( e.g, birth certificates, credit card & bank statements ) that had nothing to do with the list of requirements she expressed to me over the phone or nothing similar to the list of documents that I had to bring to them my last closing. It was then that I realized that she was attempting to figure out a way to turn me away for no other reason but my appearance since her attitude was nothing of the sort over the phone. My first loan officer was thorough, friendly, and willing to answer all questions since it was my first loan ever. This different/new One Main rep told me she no longer needed the documents and will get back to me the next morning. The next day she called to informed me that even though I had once been approved they decided to deny me and they will send me a letter with an explanation and she was rude enough to hang right up on me. Weeks later they sent me a letter stating only that I was denied and I would have to make a request in writing if I wanted to know the specific reason for their decision. Over a month later they sent me another letter saying that an application that I had never been given was incomplete. I had done everything I was expected to do, I maintained a great credit history with ONe Main with their extremely high interest rates, I brought in all documents required which included the same employer from the first loan, I even showed up to my appointment when asked and I still got mistreated and told anything. I am attaching both correspondences I received back from One Main regarding this loan.
02/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS XXXXX	Web
I received an unsolicited, pre-approval notice from XXXX XXXX that I could get a loan from One Main Financial. I was glad to know that since I had a discharged bankruptcy on my credit report history as recent as XX/XX/XXXX. Since that bankruptcy, I have taken out one installment loan with my bank and have opened 4 credit card accounts, ( all in good standing ). So I applied for XXXX dollar, 24 month term loan, and I got a approval notice by email. The reason I applied for the loan was to have a diverse amount of credit history, so as to re-establish my credit history since the bankruptcy discharge. I spoke with credit manager at the local branch about my approval letter and according to her everything was alright, but she was rude and quite unbusiness like, after our heated discussion, I got a letter from the main office in Indiana stating my loan was denied, without stating any specific reason ( s ), even though it was approved, ( I have screen shot of approval notice ). My credit score went from a low of XXXX to a high of XXXX ( XXXX ), ( XXXX XXXX ), ( XXXX, XXXX ). Now, as a result of one main financial pulling a credit report, my credit score went down three points, thus making any future approval for loans from other potential lenders, possibly hard to get, that enquiry will be on my credit report for 2 years, thus making any possible future loans hard to get. I think it is bad business and very bad for the consumer when something like that happens, it hurts the consumer. My loan should had went through but because of the branch managers bad attitude, I did not get the loan I was pre-approved and qualified for. Reference number, XXXX, letter dated, XXXX XXXX, XXXX. I uploaded per their request, all documentation that was required, and my credit report has nothing negative showing on it but a discharged bankruptcy dating back to XXXX. I work and have a steady income, so there is no reason why I shouldn't get the loan I was approved for. Also the manager at one main financial in XXXX, Ms where I was suppose to sign for the loan, told me on the phone that since the bankruptcy had been discharged, that would have no negative affect on my approval status, also, she said that my credit score was within the range of being approved for the small, unsecured loan. But because she developed a attitude ( bad for business ), my loan appearantly was changed from being approved to denied.
08/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	WA 982XX	Web	Servicemember
This is the third complaint I have filed against One Main for the same issue. One Main continues to incorrectly report my account information. On or about XX/XX/XXXX, I took out a loan in the amount of {$7500.00}. From XX/XX/XXXX until XX/XX/XXXX, I made regular, on time payments to One Main for the loan. On.XX/XX/XXXX, I filed for a chapter XXXX bankruptcy. At that time, the loan was included in the bankruptcy. On or about XX/XX/XXXX, I received a discharge, and this loan was included in that discharge. One Main continues to report incorrect information regarding this loan. My first complaint with them, they continue to auto draft my account for a period of three months after the bankruptcy filing. After the complaint, they refunded the money erroneously deducted from my account, going back to XX/XX/XXXX. Then, they reported the account as charged off after the bankruptcy, and continued to report payment history. Finally, on XX/XX/XXXX, they corrected this erroneous information and agreed to report the account as follows : Balance : {$0.00} Last Payment Date : XX/XX/XXXX Payment History : Current Discharged Chapter XXXX Now, on XX/XX/XXXX, I discovered they are once again reporting this account incorrectly. Despite me making on time payments from XX/XX/XXXX until XX/XX/XXXX, they are once again reporting the account history incorrectly. They are reporting XX/XX/XXXX through XX/XX/XXXX as 'Failed to Pay '. This is not correct. I made on time payments during this period. They received {$300.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and {$240.00} on XX/XX/XXXX. They can't seem to get this account reported correctly, and it is negatively affecting my creditworthiness and my ability to obtain employment in my career field. My bankruptcy was due to a medical issue, not irresponsible debt management. And prior to the bankruptcy, despite having debt, my bills were all paid on time. There were no late payments. The status of this account contradicts this. Please see the attached exhibits : 1 ). Letter dated XX/XX/XXXX where One Main agreed to correct my credit bureau information. 2 ). Documentation provided to One Main on XX/XX/XXXX. Note : You will see in this packet, they were reporting the account current for the XX/XX/XXXX through XX/XX/XXXX payments. 3 ). Previous complaint with the CFPB regarding the reporting of the account during the bankruptcy proceedings.
05/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NJ 088XX	Web
I have a personal loan with One Main Financial in the XXXX, NJ location. I have asked them in the past ( request sent and verbalized to XXXX at the XXXX, NJ location in XX/XX/XXXX to refrain from calling me at work as I can not receive personal calls ). During this time XXXX assured me my work number had been removed from the account and I 'd no longer be contacted. Recently I missed my XXXX XXXX XXXX payment and informed XXXX and XXXX with One Main Financial that I would be out of work on temporary XXXX XX/XX/XXXX. XXXX stated he would notate my account. Yesterday XXXX called my cell phone from XXXX. She called my work # from the same phone number mentioned but did n't say anything. And then placed another call to my work number again leaving another message. I called XXXX back after being notified by my coworker a bill collector named XXXX called from One Main Financial. I was also forwarded the voicemail. I called XXXX with my husband on the line. I asked why did she call my work number when XXXX was informed in XX/XX/XXXX/XX/XX/XXXX to remove my work number. She replied, I just left a message stating her name and number. I told that was not true that she did mention the name of the company and this is how it was confirmed as a personal matter - not work related. XXXX replied, oh yes I did call but I do n't see where your work number was removed/flagged. After discussing the status XXXX said there was a flag on my account but it was done incorrectly. I explained XXXX was previously notified of this and my simple request was not being adhered to and it 's off putting. I explained to XXXX XXXX did n't have any money to make a payment as I 'm waiting for my XXXX payments. She stated she needed a payment because I had to be out of work for 30 days and not eligible for the insurance I pay for instances such as mine- temporary XXXX. She also stated she did n't want this to go into another month because she did n't want to go into what will happen. I felt threatened and even more XXXX while trying to recover from XXXX. I explained I would be out of work for a minimum of 8-10 weeks. Said she would make some paperwork out to me but I needed to pay at least {$260.00}. I have XXXX XXXX medical conditions and do not need additional XXXX. I was embarrassed as now my personal business has been exposed by this happening. It truly needs to stop!
04/12/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 60643	Web
In XX/XX/XXXX I became unemployed. At that time I called One Main/Spring Leaf, the local office ( XXXX & XXXX ) to inform them of the unemployed status. I explained to them I would not be able to make the monthly payment due to my current status. At that time I gave the local office my unemployment papers I asked them if I could get on a hardship program, have my monthly payments reduced, apply for a out-of-work program plan, or have my account put on hold until my change of status. With no prevail, I was not able to come to any common ground with the local office. They were no help and XXXX was very rude! I then asked for the Executive Office at One Main/Spring Leaf, which I spoke to on many occasion going forward. The EO explained, in order to provide Any assistance they would have to run a Hard credit report, which I did not agree and could not understand the logic behind that process. Since then, the policy/process has changed and now they have to run a Soft credit report, per the EO, to provide Any assistance. Again, I did not agree and could not understand the logic behind That process. XXXX at the EO spoke with the Legal, and yet, they still could not provide a logical reason behind running ANY credit report on a consumer when Not offering any, and ( or ) more money, or issuing further credit. I explained them, yet again, I am Unemployed with no other income, and Such Status should override any credit report, regardless what is listed. Which does not matter when a person is Unemployed. As of to date ( XX/XX/XXXX ), One Main/Spring Leaf EO has not provided a logical explanation of why they choose to ruin a consumer 's credit by running unnecessary reports, which does not apply to MY current situation, or one thereof. One Main/Spring Leaf has since add multiple fees ( late charges etc. ) to my account which also Do Not Help my situation. Unfortunately, I have gotten No Where with either office, and have been Desperately been trying to communicate, discuss, and ( or ) resolve my serious issue since XX/XX/XXXX. Bottom line, One Main/Spring Leaf has no intentions on helping me or their consumer that faces unemployment situations. Their lending process is not conducive to special types of situations, and that information should be provided, prior to signing a contract or applying and receiving loans, to a consumer.
05/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 19061	Web
I have has several issues at two different locations, even with corporate. So the first location XXXX tried to add on several options to my loan without my permission, told me I had to borrow more than I asked for to get approved. I asked for XXXX they said I had to pay off all debt on credit report around {$10000.00}. So i asked for XXXX they said I had to borrow {$10000.00} to get approved. I said that is too much, they got it down to {$6000.00}. Also told me I had to do automatic payments, pay fees, and interest was not disclosed. They also did not tell me about all payment options to me. I called corporate asked to be transferred to another office. They sent me to XXXX . This location also had undisclosed fees, and tried to add on optional items to my loan. They also had undisclosed fees, and did not give me correct information.They were to pay off current loan, and refinance me. However, it was not the correct pay off amount. What they paid off was higher than the original loan, even after I made a payment of {$190.00}, and had the loan for less than one month. I called the manager, sent emails and even called corporate no one has returned my call. I was speaking to someone name XXXX from corporate out of South Carolina, she was suppose to help with the incorrect pay off amount. Stated she would research, and get back to me. It has now been three weeks no response after several calls, and messages to her. So she is now avoiding me, and none of them are taking responsibility. Although they were legally, morally, and ethically wrong. Furthermore, my husband and I wanted to get a loan or I would co-sign for him. We received a declination letter stating they could not verify our income, it was a lie. We had all pay stubs. They also said debt to income ratio, it was a lie. They improved me for an additional loan of {$3700.00} my take home is {$2500.00}. My husband, and I only wanted {$1500.00} and our combined take home is {$5000.00}. So they have unethical sales practices, they want you to borrow more than you need. They claim it is to reduce debt when in reality your payments go up with their loan. They pay off lower rate loans, for their higher rate loan. Therefore, no benefit for the customer, and nothing is done in the best interest of the consumer. The dates all range from XX/2017 - XX/2017
05/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 81001	Web	Servicemember
I contacted XXXX XXXX XXXX . XXXX option XXXX . Spoke to XXXX regarding a lien that is on my home. The debt was in BK. I explained by BK was released in XXXX XXXX and I should no longer have a lien on my home. She said she had to look into it and would go from there. XXXX I called back and spoke to XXXX and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy. XXXX I called again she stated there were not updates and not copy yet. XXXX Called and still no updated per XXXX . XXXX XXXX stated still no updates. XXXX I spoke with XXXX said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager was a lunch and sent me to voicemail. I did not get a return call. X/27 My husband called first she stated no updates he too asked for the manager and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number. XXXX I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since XXXX and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her manager has not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to 3.75. I have kids and would like to get my mortgage down. I 've been overpaying for many years.
09/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 787XX	Web
Have a loan with Springleaf Financial. When loan was taken out, we were told to pay for 1yr on time and we could come back for the extra XXXX we originally asked for as we were cleaning up our credit. When that year was up, we did ask for that increase and even though my credit score had NOT CHANGED, nor had any other info really changed, I was told they are " looking at it differently and could not do the increase ''. At that time, given that they had said there would be no issue, I had made arrangements to pay off two cards one of my children left a balance on and so could not pay both those and the Springleaf. I asked for deferrment of one month of payment. Was NEVER told in writing or otherwise that there was anything else we needed to do until 3 wks later when payment was already very late. At that time, given how I was spoken to my wife contacted the corporate office of Springleaf to help get resolution. The issue was we felt this was a bait and switch situation AND the fact the manager would not let us get a call from her supervisor. Something fishy going on. Too many different things being told to us. I faxed a ton of paperwork to XXXX XXXX at the corporate office. The biggest issue now is that this company is showing us to have missed TWO PAYMENTS. One should have been defferred as they promised via email and phone and the second was actually waiting to hear back from corp office AND get the correct account number as that had changed. This is not ok and this company should not be allowed to incorrectly report this account. They are not telling the entire story which involves ME WAITING ON THEIR CALLBACK!! This account should not show a late payment at all. Plus - how the change they way they score never made sense and feels very shady. We have proven that our scores never changed. That is what the said things were based off until we asked for what they promised. I want this account to reflect the TRUTH and not late payments. We were working with them to resolve issue AND had to wait on THEM to give account number when it changed. SHOULD NOT SHOE LATE!! Please help us get the reporting accurate as this is impacting my credit. If needed I can supply names and number of person at corporate office we dealt with. This is such a bait and switch thing and it is not ok to mess up credit!
07/03/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 38053	Web
I received pre-approved loan offer from Springleaf Financial a few wks ago for XXXX. I submitted an application over the internet which was only my name, D.O.B. & S.S. No. the application window closed & said approved : go in person to local office. Received phone calls daily and emails daily from Springleaf Financial with messages that did not identify who was calling, only that it was in regards to an application I submitted. I went in person a few days later after checking my caller ID, and was told by the senior loan officer my expenses exceeded my usable income for approval. The loan rep asked how much money I spent a month for gas to drive my car. I told her about {$80.00}. I was also told I had outstanding student loans posted for payment on my credit report/which I confirmed were not, and also that I could re-apply if I had someone in my household who had a job and would agree to complete an application for the loan with me. I was told the co-signer had to be living in my household in order to qualify only and I could not use a co-signer who did not reside with me. I was told I could look at my credit report later after I received a decline letter or so but the factors for viewing my credit report were not explained clearly. ( I have been viewing my credit report regularly this year on a website. ) The connotation was that as long as I was not able to view my credit report, she could tell me anything she liked about my ability to get approval. I asked what the procedure was for receiving loans and was told unclear repetitive information that did not specify credit scores, income/debt ratio, or sources of income. I told the senior loan officer I owned my home with no mortgage, and our monthly utility bill is paid by my adult daughter who resides with me. So my income to debt ratio leaves about {$800.00} a month in usable income. I was seeking to borrow the amount above for home repairs, and debt consolidation for credit cards. I asked if I could have a print out of the computer screen she was reading that indicated why I was denied for the loan. She declined. I felt the daily phone calls and emails were strong indicators that I was approved, specifically since I submitted my social security no. and date of birth in the application online a week or so before meeting with her.
02/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MD 20906	Web	Servicemember
I received a loan from One Main Financial 's XXXX, MD office back in XX/XX/XXXX. I made one payment, then in XX/XX/XXXX, I was offered an additional amount to be added to my loan, so I accepted. At the time, I was unaware that my initial loan would be " satisfied '', and a new loan would be opened under a new account, but I was not focused on that because I was thinking of the holidays and my daughter 's XXXX Birthday approaching, and what I'd be able to provide for myself and my children. I was told that furthermore, my first payment after the additional amount was added wouldn't be due until XX/XX/XXXX, so I had plenty of time to enjoy the holidays. Tragically, I was terminated by my employer on XX/XX/XXXX, so my life took a drastic turn for the worse. There's an insurance program attached to the loan, and I've been getting conflicting information from different employees at the One Main XXXX office, as well as the One Main customer service center in Texas. There are 2 different insurance companies that One Main uses, depending on what type of loan you have ( that was described to me by the customer service rep. ) One is XXXX, the other is XXXX. According to customer service, my account is being handled by XXXX, but when the XXXX, MD office manager mailed me the forms to complete and submit, they were for the XXXX company. I told customer service, and the rep. said she would send me the correct forms to submit, and that I had to wait until it had been one month since my termination from my employer, which I had not heard from anyone at the XXXX, MD office. The XXXX, MD office manager did suspend my account, after speaking with me about my situation, but that suspension ended on the XX/XX/XXXX, less than a month after my termination, and I started getting calls from a Mrs. XXXX at the XXXX, MD office. While speaking to her this morning on the phone, she told me that I should borrow some money to make a payment, or she fears " the lawyers '' will take over my account and the XXXX office will lose control of it. She also told me to contact the State Department, since I've been unsuccessful in reaching anyone from the unemployment office in order to submit my claim. I'm somewhat confused, disoriented, and unorganized, due to everything that's been happening all of a sudden.
01/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 374XX	Web
I 've had a loan since XXXX XXXX with XXXX, now Springleaf.. Last month they failed to withdraw the regularly scheduled payment and sent me an e-mail saying I needed to contact them about an important matter regarding my account. The e-mail was sent on XXXX XXXX, XXXX. I called, not knowing what the problem could be. I was told by a customer service agent that I did not make my payment for the month of XXXX ( which is normally withdrawn by automatic payment on the XXXX of each month. ) I asked how and why this happened and was made to feel that I was at fault. I asked to speak to a manager. I spoke with XXXX XXXX XXXX and he proceeded to tell me the same thing as the customer service rep. They both indicated that payment had been sent to my bank, and the bank told them there was no account with the number they submitted. I asked what changed since the beginning of the loan, we have never had any such issues previously. He finally admitted that they had made an error on their end, but still proceeded to make me feel it was my fault. He asked for a number to call me back later that evening after he could do some investigating, but I never received a call from anyone & have not til this day. About two days later I received a letter ( dated XXXX XXXX ) addressing me as if I had failed to make payment. A couple of days later, I received a bill indicating I had a missed payment. When speaking with them on the phone I asked why I had n't been contacted by them prior to this conversation, I was asked why I called them. I told them because I received an e-mail. I told them if there was an issue, why did n't you contact me in XXXX, not a month later. My question is should n't they have to cover that payment since they made the error? I have n't changed anything on my end since the beginning of the loan. They are now saying that I owe a double payment. I 'm currently waiting to see if the XXXX payment comes out of my account. What could be the reason that they changed my information and evidently put the account number down incorrectly. He kept saying they are now doing " direct pay '' and if that means I need to be sure to get the payment to them, why did they not ask me to set that up? I hope you can provide some light on this issue, so I will know my rights. Thanks!
06/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 296XX	Web	Servicemember
After contacting onemain they attempted to acquire personal information from me to include address, phone number and full SSN. As soon I informed them that this wasn't my account and that I recently filed for identity theft with the police department and sent the report to all three credit bureaus they told me that my account was transferred to XXXX XXXX XXXX ( XXXX ) and to contact them ; which never showed as a debt collection company on my file. I contacted XXXX and informed them of the same information and they went through the verification process as well but noticed a large amount of identification errors from address and birthday and amount claiming to be owed. I called XXXX back after never receiving a fraud packet that i requested and they told me they sent the account back to onemain and labeled it as fraudulent account. So i called onemain back and inquired again, and of course they wanted more personal information to verify who i was and then instead of talking to me informed me of the attempt to collect a debt. I finally got to a dispute representative who said they used to be Springleaf financial and I informed them of the account be settled/wrote off due to breach of contract which the Springleaf respresentative in XXXX, South Carolina acknowledged. They attempted to spike my interest rate after the first payment was made which I informed them was an illegal interest rate for an XXXX XXXX XXXX per the Soldier/Sailor Civil Relief Act. I never heard from Springleaf again and here we are 5 years later with tarnished credit due to myself never being contacted or informed of any type of selling of the account or merger with another business. I never borrowed that much from springleaf so the ammount is also far from accurate. I am not an uneducated adolescent new to the credit world. Anyone can pull my current loans, credit lines or reports and see that my accounts are current and never missed a payment ; so why would I have done that then. I have integrity and if Springleaf would have be as integral neither the onemain or myself would be in this position. As the consumer I am attempting to purchase a home and can not do so because of something 5 years ago still haunting me now because of a mistake made by an account which onemain took over.
02/09/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OR 973XX	Web	Servicemember
I took out an installment loan XX/XX/XXXX. I had my first job out of college and had no credit history. OneMain financial took advantage of me, as I was not clear about the loan terms and what I was getting myself into. When I asked for explanations on my payments, I was treated in a very disrespectful manner. Fast forward ten years to XX/XX/XXXX. I fiscally and credit educated, and in the process of checking my credit reports for misinformation. It was at this time, I noticed the error on all XXXX reports from XXXX, XXXX, and XXXX. This loan first went delinquent XX/XX/XXXX, which meant this should have been removed from my credit history. I immediately reached out to OneMain, who stated they had nbo record of my debt, and it was most likely sold to a third party collection agency, such as XXXX XXXX ( which was removed at the appropriate time ). They were unable to validate my debt, but they reported the charge off delinquency in XX/XX/XXXX. I brought this to their attention, and they stated there was nothing they could do. I contacted all XXXX major credit bureau 's immediately and filed official disputes, requesting removal due to : -Reporting of misinformation -Unable to validate debt I also sent OneMain a certified letter via USPS, with the same request. I included copies of my credit report, which ( OneMain is reporting ) shows the bad information. The dates they report, along with the amounts not only are incorrect, but do not come remotely close mathematically, which proves the errors. In goodwill, I have requested validation, and removal on multiple occasions, via Fax, email, certified mail, in-person, as well as phone. I was recently contacted by the executive office in regards to the complaint I filed with the Better Business Bureau, but have yet to receive any response to my requests. I am now filing a formal complaint with the CFPB, because it is clear that OneMain is actually aging my account in order to prolong reporting to the credit agencies. I did advise them that I am a resident of Oregon, and the statue of limitations on debt is six years, as well as the requirement to report correct information, validate debt when asked, comply with regulated debt collection practices, and remove all negative information after seven years.
01/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23222	Web
I paid an extra {$250.00} payment online on XX/XX/XXXX and I figured since the account was paid up to date, the funds would be applied to principal only. The payment ended up being processed with principal AND interest. After noticing that is what happened, I called One Main between the dates of XX/XX/XXXX and XX/XX/XXXX to find out why it was applied that way and spoke with an agent named XXXX ( whom I can no longer trust ). After asking her why was it applied that way, she advised she didn't know. She stated in order to do principal only payments, I had to call in. Making it MORE DIFFICULT to pay the loan off earlier. This is unfair and it is also deceptive to have the option to pay online with no disclosure given prior to making the payment that we CAN NOT pay principal only. XXXX was of no assistance that particular day, ESPECIALLY because I asked for the amount that went to interest to be taken out of my account and applied as principal only. She took the payment ( so I thought ), asked me to hold so she can set up recording for my confirmation of the payment, came back to the phone and the payment never posted and it never came out. I called them back on XX/XX/XXXX because the money never came out of my account. XXXX answered the phone and I asked to speak with someone else after she was extremely rude in the way she answered my questions. Once again, using " I don't know '' as an answer for my questions. I asked to speak to someone else and she placed someone on the line to take my payment. That person took the {$250.00} principal only payment from me and it was processed correctly. The company 's website is misleading and deceptive and it does not help in making principal only payments. XXXX needs to be trained on how to handle calls from clients regarding the online system. She doesn't know ANYTHING about it and she is also very rude. I ask that she gets more training and better yet One Main Financial get a better website to use. Otherwise, it leads me to believe they are intentionally trying to make it more difficult to pay the extra money towards principal from month to month. I shouldn't have to call ANYONE. It should just be that easy. This has to be some sort of violation of UDAAP or some other regulation.
04/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	XXXXX	Web
I am writing to file a complaint against OneMain Financial and its subsidiary, XXXX XXXX XXXX XXXX. When I obtained a loan from OneMain, I also purchased their XXXX insurance. Up until my second XXXX XXXX, my loan was paid ahead. The trouble started when I filed a claim on the XXXX insurance. What would seem like an easy straight forward matter, has turned into unending paperwork. My initial claim included the attached documents from the Social Security Administration as well as my XXXX. Both of these documents indicate that I am XXXX XXXX. XXXX XXXX has been very slow in paying on my insurance claim due to their continual request for documentation and their confusion with how the paper work was documented as well as lost faxes from my Drs office. ( the Drs office had confirmation from the receiving fax machine that the fax in fact went through ). Because XXXX XXXX and or One Main has dragged their feet and requested the same information so many times, the payments to the account have become past due for the past several months, even though I have given them the information they have requested in a timely manner. All of this has severely effected my credit report in a negative way, dropping my credit score dramatically. I was under the assumption that once the paperwork from my XXXX and myself was finally submitted to their satisfaction, XXXX XXXX would either completely pay the loan in whole or make regular monthly payments to satisfy the loan. XXXX XXXX now wants myself and my XXXX to completely resubmit the paperwork on a monthly basis in order to continue the claim. The information on the form these companies want filled out has not changed and will not ever change. My complaint and question is, Why? The Social Security Administration says I am XXXX XXXX. My XXXX on the XXXX XXXX form says I am XXXX XXXX. I also have a Parking Tag from the DMV indicating I am XXXX XXXX. I am never returning to work. Yes, I see my XXXX for scheduled appointments, but why do I need to waste the Dr and staffs time filling out the same paperwork. One of the reasons for my XXXX XXXX XXXX was Stress. I consider this redundant paperwork undue and is causing me unneeded stress. I do not want to have another XXXX XXXX because of all this.
10/05/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TN 37129	Web
On XX/XX/XXXX, My wife and I took out a 2nd mortgage loan with XXXX Bank. After a few years, the loan was transferred to American General Finance, which was purchased by Springleaf Financial Services. Springleaf is where my problem started. I XXXX was delinquent with my 2nd mortgage. Springleaf 's local office transferred my loan to the main office in XXXX, Indiana, but only AFTER they paid off my first mortgage, which was with XXXX Mortgage, without any communication with me at all. I only found out when I received an amended declaration from my homeowners insurance company dated effective XX/XX/XXXX. I do n't think the way this was done, by " stealth '', was legal, so consider this part one of my complaint. Then, I applied for modification of my loan with Springleaf three times, and was turned down each time, until I spoke with the man who was in charge of modifications, and told him that since my modification was declined, that I intended to explore legal action about the way my first mortgage was paid off. Magically, I received a call from the same man the next day informing me that aftyer reconsideration, my modification was approved. My modification was done XX/XX/XXXX. When it was done, I received NOTHING regarding the funds used to pay off XXXX Mortgage ... no Settlement Statement ... nothing at all. In fact, I have NEVER received ANYTHING regarding this payoff. My contention is that since funds were advanced to reimburse Springleaf for the payoff of XXXX Mortgage, the modification was actually a cash out refinance loan, and I received no RESPA documents ( settlement statement, etc ) and should have been given a 3 day right of recision, which I was not. My loan was transferred to XXXX XXXX XXXX, against whom I have already filed a complaint with you XXXX XXXX # XXXX XXXX, and XXXX is denying any culpability, since they are the servicer and did not actually do the loan. I sent XXXX notice that I wanted to rescind the loan well before the 3 year time limit, and their first response was that the loan was from XX/XX/XXXX and therefore not eligible to rescind, even though the modification was done XX/XX/XXXX At any rate, the 2nd part of my complaint is the lack of RESPA and right of recision from Springleaf.
05/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 21136	Web
In XX/XX/XXXX, I applied for a small personal Loan with one main financial. I was going to use my XXXX vehicle as collateral. I was asked to come into the office to sign final papers and I went to the XXXX Maryland office and spoke with XXXX. After signing papers and my title, giving all my copies of social security number and personal information, one main told me I could come and pick up my check within a day or two. Later that day or the next morning, I received a call saying that I needed a co-signer which I didnt understand why.. I told them that I didnt have a co-signer and due to the change, I didnt want the loan. I told XXXX I would be there to pick up my documents. When I went, she wasnt there and no one could find my folder. I have still not received any of my documents, including my car title or any of my personal information that I am not comfortable with floating around. I had to go to MVA and pay for another copy of my title. Recently, I needed to sell my vehicle due to more medical bills due to an illness. I spoke with my insurance company to let them know I was selling the car. They ( XXXX XXXX ) informed me there is a lien on my vehicle from One main Financial. I have tried to call the XXXX office three times. I have asked for manager and each time, manager is not in. I have tried to call the corporate number but am not able to get to a person and asked to leave messages that are not returned. Today, XX/XX/XXXX, I spoke with XXXX from one main in XXXX. I again asked for manager and told she wasnt in. I told her what the issue is and I need the lien removed ASAP. I gave her all my information because she said Im not in their system. I told her time is a factor because I am going to loose the person that is buying my car which will be literally devastating financially and medically. She told me she has two people out and will do it when she has time. I again almost begged and she said when she has time but she isnt holding on a line because they have clients to take care of. She proceeded to say anything else?? I said no and thanked her for her time. The company comes up as onemain financial, one main financial and/or onemain financial holdings LLC so I am unclear if they are one in the same
03/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 92646	Web
re : One Main Financial Adding Vehicle Insurance On Title Loan # XXXX On XX/XX/2018, in response to written communication received regarding failure to supply proof of insurance on vehicle used to secure funding, we faxed copy of Declaration Page for policy with XXXX XXXX XXXX XXXX/XXXX Insurance to number supplied, along with a US Mail copy sent for the second time. On XX/XX/XXXX we received notice, that 'despite two prior notifications ' a 'Lender-Placed Insurance Premium Add-On ' premium of {$470.00} was being added to loan amount. On XX/XX/XXXX a call was placed to Customer Service seeking information as to why, despite confirmation of document received, we are being charged this unnecessary premium amount. 'XXXX ' informed us 1. Mail received requires a month to reach data entry department for update to account and 2. No telephone calls are initiated by One Main to account holder requesting a second fax, if one page of original fax was blurred or hard to read, which was the case here. On XX/XX/XXXX, via the 'Contact Us ' page on website, we sent a notice of our displeasure with how our communications were not acknowledged in a timely manner to avoid a {$470.00} additional fee. We explained and verified both mailing address in XXXX, GA and fax number indicated on their documents. We were reassured all was now ok with our account and the additional fees would be 'waived '. On XX/XX/XXXX, we received 'Creditor Placed Vehicle Insurance ' policy from XXXX XXXX XXXX XXXX XXXX IN, indicating amount due of {$470.00} was being added to loan amount. On Tuesday XX/XX/XXXX, e-mail was received from 'The Executive Office of Customer Care ', asking us to contact XXXX XXXX , @ XXXX, option 1, extension XXXX to address our concerns. No mention was made as to what time zone this person is located, so our first two calls from PST were disconnected when keying in all the numbers. We attempted an earlier time, and finally did make contact with XXXX XXXX who is in CST. Unfortunately, this call was very unsatisfying, since this department had no copies of ANY documents pertaining to my issues! Please help us straighten this out! XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX
03/11/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	NJ XXXXX	Web	Servicemember
Yesterday, XXXX XXXX, XXXX, I received a prescreened loan letter from OneMain informing me that I was prescreened for a {$6000.00} loan and that all I needed to do is to respond. Last night I responded at the website address listed on the prescreen letter, that is, OneMainFinancial.com/applynow, and filled out the application. This morning I received a phone call from a representative from the local OneMain branch, phone number XXXX. I answered all of the question including whether I had ever filed for bankruptcy. The gentleman than informed me that my full credit report was required to be pulled and that it was not a big deal because my credit report has been already accessed. The gentleman insisted that I was not pre-qualified just because the letter says that I was prescreened. The gentleman than stated that I could not be pre-qualified unless my full credit report is accessed. I reiterated the fact that under the FCRA a prescreened offer must be a firm offer and that I should have already been deemed to have met the OneMain creditworthiness criteria. He then transferred me to the branch manager, XXXX XXXX, who informed me that my credit report was not accessed. I asked what information did OneMain require to pre-qualify me. XXXX XXXX failed to answer my question and informed me that I was denied credit based on my conversation with the representative. I hung up and then received a phone call from the district manager, XXXX XXXX or XXXX. The district manager informed me to call the local branch again and restart the application process. I contacted XXXX XXXX and she informed me thew district manager would be contacting me. I was not contacted by the district manager so I called the number in my caller id. The district manager was not available but the gentleman that answered the phone conveyed a message from the district manager to the effect that I was denied credit because I said that I had a bankruptcy in XX/XX/XXXX. This ordeal constitutes harassment because I was led to believe that I was prescreend thus pre-qualified for the {$6000.00} loan. I do not know at this point t if OneMain pulled my full credit report or who performed the prescreening with an unknown credit bureau.
04/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33578	Web
Back in XX/XX/XXXX i was sent a letter from a company called " XXXX ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was Springleaf Financial ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with XXXX citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my XXXX report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from XXXX, i also got a letter last week from a company called " XXXX '' who claim they manage the account with XXXX. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company XXXX advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.
12/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 48214	Web	Older American
On XX/XX/2014 I refinanced a loan with One Main Financial. Unfortunately, the details of the interest rate and term of loan was not clearly disclosed. I was experiencing some very difficult times and made a mistake in taking out this loan. This predatory loan company had sent re-loan offer letters and had called me on how they would like to help. When I first received this loan they changed my end of month payment date to mid month. I immediately requested for it to be changed back. The loan officer indicated that they could change it after my first payment. After continued requests over a year and half, they finally changed it. Although, payments were made within 30 days and before late charges I was charged more interest and most of the time payments were credited to only the interest. Are there any regulation or is there a cap on what loan companies can charge? I am a XXXX and feel I am being taken advantage of. I have paid over {$5000.00} on a {$7800.00} loan and still owe over {$6000.00}. Also, I have always called in my payments and for the last several months when I attempt to call in my payments call go to voicemail. Because they have caller ID I believe this is a ploy to have you to be late with payment. The latter they receive the payment the more interest can be charged. Initially, it was clearly disclosed that I would be required to pay a daily interest rate. I continue to receive unsolicited letters, emails and phone calls to re-loan or happy for lower interest rate. The female staff that called me indicated that I might eligible to receive a lower interest rate, when I simply indicated that I would listen to what she had to say, she did a hard credit check before I had given her the ok. Right after she indicated that she had to pull my credit, I immediately asked if it would be a hard pull, and if so I do n't want you to do it. S he said I have already did it. I did no give permission. This affects my credit. I told her to put me on do not call me again if I want to inquire about a loan I will call you. She later called back and apologized. Please indicate if your consumer protection department help. Thank you in advance for any assistance.
12/04/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 452XX	Web
I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.
02/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IN 46219	Web
One Main financial XXXX XX/XX/2016 Branch manager informed me that my loan was a signature loan. When I asked why I had to have a list of collateral he said that because I was on XXXX for a XXXX XXXX that I needed to show that I was not destitute. I was assured it was only a formality. I did not understand at the time that I was putting my household goods up as collateral. I take very heavy XXXX for my XXXX XXXX and I have a XXXX XXXXy to understand things..especially when I'm rushed to sign papers I havent read.. My interest rate was also 29 % on my loan. My credit at the time did not constitute a interest rate of 29 % .. Disability and life insurance was added to the loan against my knowledge. A check had already been cut to the insurance co. I was asked to sign. I had no idea it was not required for the loan.. The disability insurance is useless since I'm already XXXX.. XXXX XXXX XXXX XX/XX/2016 to present.. {$2400.00} I was charged a 39 % percent a.p.r after insurance was added to my loan.. I was not informed of my right to not have insurance included in my loan.. As in the case above a check to the insurance companies was already cut and I was asked to sign. XXXX XXXX was aware of my XXXX and I believe I was discriminated against due to my XXXX. I was charged a predatory interest rate because of my deminished capacity to understand what I was being asked to sign.. At one point I seen 46 % interest on my loan app. When I questioned it they told me to ignore it because it didn't mean anything.. My loan payment is {$170.00} a month and {$78.00} of that is interest.. At the time of my loan my credit score did not constitute a 39 % interest rate.. Especially when 5 months later I got a loan at 29 % with the same credit score.. Again I was rushed through these meetings so fast that I could not keep up and did not know what to ask.. I take medications such as XXXX, XXXX, XXXX.. Theses are XXXX and XXXX medications. I truly thought that these nice people were trying to help me.. This was written by a second party and signed by XXXX XXXX All statements and facts are true to the best of my knowledge.. XXXX XXXX
11/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29170	Web
I borrowed a single loan with One Main Financial for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off One Main Financial gave me a receipt stamped paid as agreed. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was One main financial the loan originator took what should have appeared on my credit report as a Single* account and they reported it as 2 accounts with 2 different account numbers showing one with the amount I borrowed {$4900.00} as paid/XXXX balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as paid, was a chargeoff. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the One Main Financial representative just said " We only have one closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted One Main Finacial head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost XXXX and it still affects my credit raiting.
05/10/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30022	Web	Servicemember
I previously submitted a complaint regarding SpringLeaf Financial Services who blatantly discriminated against me as a XXXX minority regarding a consolidation loan submitted on line, whereby, the loan was approved on line and I was only required to submit additional information which was my XXXX Paystubs to finishing processing the loan. During the call, the representative asked about the vehicles regarding mileage and gave stated they were being paid via a loan and at no time did the representative state this was a stipulation on being granted a loan. They saw the credit report and obviously it was approved minus the paystubs being submitted. This request for a loan consolidation should have been processed without discriminating towards XXXX minorities. This another form of suppression. Also, when I submitted my original claim to CFPB incorporating information above and additional details, I received a call from Springleaf stating they were investigating the details. This was just a cover-up for their discriminatory behaviors. Afterwards, they send a letter with XXXX invalid excuses, after initially being approved on-line. The only requirement which was stipulated in an email which I previously attached to the original claim was their request to view the Paystubs. When I received the 2nd call from the original SpringLeaf representative, she had already reviewed the credit, debt-to-income ratio, etc. So, sending a letter after the fact, is retaliation and another form of credit discrimination, in and of itself. This company should not be in business, as they discriminate in their local offices and underwriting area again XXXX minorities in the communities around the U.S. Also, why continue to send pre-solicitations to clients via email when you have already pre-screened a candidate for approval. Again, after completing the application and being lied to after submitting pertinent documentation as proof, is another form of credit suppression and not allowing XXXX minorities access to capital in the United States. This company needs to be investigated for their illegal, discriminatory, and retaliatory practices!
02/22/2019	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	NC 283XX	Web
Onemain financial took an additional payment of, {$430.00}, out of my checking account without my authorization on XX/XX/XXXX. When I contacted them concerning the matter, they stated they were unaware of this transaction. I took them a hard copy of my bank statement in person to prove this to them. The company had taken the normal scheduled payment out the week before on XX/XX/XXXX. After the second transaction took place, there was no money in my checking account. I was left with {$0.00}. I contacted them via phone immediately and went to their office on XX/XX/XXXX about this concern. I was leaving to go out of town on the evening of XX/XX/XXXX for work. I expressed my concern about this matter and how much of a hardship this was putting me in. I had to go out of town to work without any money for gas or food. I was out of town on the evening of XX/XX/XXXX thru XX/XX/XXXX. They informed me there was nothing they could do. They were unwilling to help me with money to get me through the weekend. I ask them about writing me a check for the money and they refused to do so. They stated they could not make this transaction for me. With that being said, I had no money for food or gas the entire time I was out of town working. It is now XX/XX/XXXX and I still have not received the money back in my account. I am in a hardship now due to other bills being due that I can't pay because One Main Financial has not refunded me the money they took without my authorization. It has now been seven days and I still have not received the money back into my account. Today is Friday, XX/XX/XXXX at XXXX, and I am going into another weekend without any money. I am very upset about this matter. This is money that I have had to get out and work for. This is not a credit card matter, that I consider free money from a bank or credit card company. I called them today, XX/XX/XXXX, about my concern about the money not being refunded back to my account. They could not explain to me as to why this money has not been credited back to my account. To this day, I still do not have any money in my account to make it through another weekend.
10/24/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MD 20772	Web
I currently have a loan with OneMain Financial and I am behind in my payments. They consistently call my phone - at least 4 times per day. Twice in the morning and again twice in the evening. I was able to answer a call on Saturday, XX/XX/2016 around XXXX only to be chastised about not being able to speak with a representative. After explaining that I was in a rush to head out of the door but would call back to discuss a payment arrangement, I was then interrogated as to what were the exact reasons behind my financial difficulties and when could they expect a payment. After again explaining that I was in a rush and unable to speak, the representative then stated that " they had been trying to reach me and could n't understand why I did n't have time to speak with her then ''. I then informed her that I did n't have time to speak with them b/c I was busy trying to find a way with work in order to pay the outstanding balance. At that point I again mentioned that I would return their call and ended the conversation. I understand that there is a balance due but this company has constantly harassed and threatened me and my fiance regarding our account. We have been paying down an account we opened years ago and still have more than half remaining. Their accounting figures do n't match what we 've paid and on top of that, they are n't easy to deal with. Given the nature of the economy and so many people having difficulties, it would be thoughtful enough of this company to not only provide training to their representatives regarding accounting practices but simple courtesy and compassion could go a long way. The constant phone calls and veiled threats to send the account to " legal '' - whatever that may entail - are over zealous and obnoxious. I have done a lot of research online regarding their company and their practices and it has considerably gone down over the years that I have had the account. My goal is to find any way possible to pay off this account and I will NEVER open another account with them again and WOULD NOT recommend anyone to use this account no matter how dire the circumstances.
08/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08753	Web
I found that one of my payments to your account have been labeled as late on my credit report. These missed payments were due to : Lack of information provided by One Mains XXXX XXXX branch. A payment did not go through on my checking account. When I checked the website to see my balance a week or two later, I noticed the payment did not go through. The following day I went to their office and I was told by One Mains XXXX XXXX branch that it was an error on their part and that they listed my account as a Checking and not a Savings account. I was told by simply switching the account information on file from a checking account to a savings account the payment would go through. It failed to go through again and once again was not informed as well as I see necessary. The account went thirty days past due, So i made a phone call to One Mains customer service line. They told me I needed a certain form from the branch I used to file a dispute. When I tried to talk to them about possibly filing a dispute and asked for the letter that customer service told me to ask them for, they were extremely rude and unhelpful at the XXXX XXXX branch and said no such form existed. I called back to customer service and the customer service representative I spoke with even told me they had a history of Not doing their job at that Branch. I have had 100 % payment history on all other accounts and until this error occurred was always on time with my One Main account. Since the late payment occurred for the above justifiable reasons, please correct the payment history at any credit bureaus that carry the history of my account with you, Including, but not limited to : XXXX XXXX XXXX It is imperative that my credit score reflect the good business relations I have maintained with all companies in the past. The corrections to the report will make it more representative of my financial habits. I sincerely hope you will not take into consideration my oversight with these late payments which, I assure you, will not occur again. I look forward to continuing our relationship and maintaining good financial habits.
04/06/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	PA 15010	Web
In XXXX XXXX I took out a loan with Springleaf Financial. I spoke to the lending clerk before coming into the office and she told me to make sure that I bring in my driver 's license, birth certificate, social security card, and a voided check. When I got into the office she quickly went from page to page having me sign where needed as it was close to closing time for them. She told me what to write in for the collateral items for the loan, and also told me to write in whoever for the references as she was not going to call them she said. Lastly during this visit she asked me if I wanted to set up automatic payments using my checking account, I said no that I would prefer to pay it manually, however she made a copy of my check and said that this was for proof of a checking account and sent me on my way. After having a chance to read through the loan terms I found many many things that were deceptive. Like the extended first payment charge which I did not request and would have been against if I would have seen that during signing. Now a little over a month later, Springleaf pulls the payment from my account exactly like I asked them not to do. So I had this payment returned through my bank. Now upon this being sent back to Springleaf is when they realized they did not even have my signature to pull the payment and called me asking me to sign the form that was sent to me in the mail, which I still have in my possession because I did not allow this. This happened on two more occasions where they pulled money without my permission, once being a double payment to make up for the prior month. Which working in a XXXX, I know this is against ACH originator rules and regulations. In the meantime I tried contacting them through email regarding the situations on XXXX XXXX XXXX. I gave information to identify the account and prove I was a customer and never heard back from them after this. I said in the email that I did not want to be contacted by phone, only email. However they still continue to call. Once having even calling my employer, which I never gave permission for either.
01/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32792	Web
OneMain 's response to my previous complaint to them is unacceptable! They stated that the credit bureaus don't allow them to delete credit inquiries, knowing FULL WELL that the credit bureaus MUST BE NOTIFIED BY THEM to delete credit inquiries! I have ALREADY disputed these inquiries with the bureau ( they're only reporting with XXXX ) and the keep coming back TELLING ME TO CONTACT THE CREDITOR/COMPANY! So NOBODY is responsible??? I NEVER did ANY inquiries/applications with you all! Where's your proof??? I will repeat what I stated in my previous complaint : There are three hard inquiries that are illegally reporting in my XXXX credit file for OneMain / OneMain Financial. My XXXX was dinged on XX/XX/2017, XX/XX/2017, and XX/XX/2017 ; two have XXXX area locations and one has the corporate XXXX, IN, location. None of these inquiries have permissible purpose to be reporting in my file. Permissible purpose is pulling for employment, court order, insurance, or includes a firm offer of credit. The inquiries do not fall in any of those categories. I do not have any accounts with OneMain and never have, nor did I apply. Moreover, I called them yesterday and both a local rep and a national rep said that all they see in their system are two RECENT inquiries attached to FLORIDA locations, of which I also have absolutely no clue about. I gave them my social security number to check their records. PLEASE NOTE : I repeat, OneMain does not even have record of the three inquiries reporting in my XXXX credit file. They need to be deleted immediately. I gave the dates and locations of the inquiries to both reps and they said that all they saw were the two RECENT inquiries. I was given reference numbers for those : XXXX and XXXX. They ALSO need to be deleted, especially before these rogue inquiries reach any of my credit reports. I had previously disputed the three inquiries twice that are in XXXX, so what all this means is that the so-called investigation XXXX and/or OneMain Financial did both times was completely nonexistent. I will be filing a separate complaint against XXXX.
11/11/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 32025	Web
I applied online for a personal loan ( to help consolidate my current bills ) at Spring Leaf Financial. Main Focus is ... the fact that I was approved and was prompted to set up an appointment with the local office and get my loan. However I went into the location office only to find out that I was not approved due to my income. I was asked to verify and I promptly responded to another set of questions ( scrutiny progress begins ) with all the required documents needed. Providing that I am XXXX ... I understood that time was of the essence.! Nonetheless, immediately when I walked into the office with I was greeted with a denial because of my income and was told I would get a letter. I was like what just a minute here ... this company advertises something totally different from the experience I had encountered. Here is what concerns me I was told ... I would not get the loan due to company policy of my income not being enough. When I asked how could this be when I have an excess of {$1500.00} a month in my budget. I bring home over XXXX a year. Also, I was told that the student loans that I have would be factored into my budget!!! Then I asked how would my deferred student loans be an issue when they are not due and will not be until I graduate in 2018 ( currently enrolled as full time student )??? In believe she made up a payment amount of {$1000.00} per month for my student loans, as if I am not consciously aware of my budget. Providing that my student loans are currently deferred and in good standing according to my credit. She just picked a fictitious amount to personally deny me. Despite the fact that I was already approved online, not pre- approved but approved. More over she stated that was the company 's policy to consider all possible bills???? How can they just make up a payment amount to deny a loan? In my opinion I was approved until I walked into the office and they saw my color of my skin and gender. I feel and still discriminated against and I must say I am very disappointed. More importantly this experience was not an equal opportunity for me.
07/15/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	GA 30028	Web
On XX/XX/2019, I received an email from one main financial stating I could borrow an additional XXXX. I currently have a loan with them that I have been paying on for 2 years or so with no late payments. Before I could call the number, a customer service representative called me from one main and asked me about applying for additional monies. I provided her with my information and she said since tomorrow is a holiday, you should hear back from them on Friday. Typically it takes about an hour for a decision so if you want to call back in an hour or so you can do that. I did not call back but I received a voicemail stating my loan had been approved and that I needed to call back and schedule a time to come in and sign my papers and close the loan. I called the office back here in XXXX Georgia and the man cleared his throat after I said hello I am returning a call to XXXX. He said this is him. He then verified who I was and then stated, " they could not do anything for me '' .I said " excuse me? you left a message and stated my loan had been approved ''. His response was oh that is protocol. I explained to XXXX they need to be retrained because you should not call and provide false information to customers. He was not receptive to my response and so I knew at that point they were not going to loan me anything ; not even their time. He told me he would look into and call me back. I never received a return call from XXXX. The following week, I spoke with XXXX to get an update and she stated they can't do anything because of my budget. She asked me if I had additional income and I stated yes. She provided me with an email address and I faxed over additional paystubs. She still did not call back and I asked in the email to reply so I will have confirmation that the email was received. I called back and again XXXX stated " we can't do anything because of your budget '' and the call ended. I then looked up their corporate office because I wanted to understand exactly why they offered the loan and once I called in, they could no longer offer the loan.
10/06/2017	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	GA 310XX	Web
XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX amount listed/ no contact info. My attempts have failed. Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. This inquiry could stay on your report untilNov XXXX. See an error? Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. See an error? Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. This inquiry could stay on your report untilSep XXXX. See an error? Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX XXXX XXXX. This inquiry could stay on your report untilJul XXXX. See an error? Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. This inquiry could stay on your report untilFeb XXXX. See an error? Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.
06/28/2017	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	NH 030XX	Web
On XX/XX/XXXX I sent correspondence to One Main Financial ( aka Springleaf ) via certified mail which they received on XX/XX/XXXX @ XXXX. In my correspondence I requested verification of a debt in which they claim was charged off in my name in the amount of {$7000.00}. I have not received original documentation verifying this debt. Additionally, upon further investigation, I retained copies of my credit report and as of XX/XX/XXXX One Main Financial ( aka Springleaf ) had not updated my dispute on my credit report within the time required by federal law under section FCRA, section 623 ( a ) ( 3 ) and therefore have violated my rights. A second letter was sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX @ XXXX by One Main Financial ( aka Springleaf ) addressing my concerns with the validity of said debt and inaccuracies being reported. I received a response on XX/XX/XXXX ( 70 days after my initial letter and 36 days after my second letter ) that it would take an additional 30 to update the information. In this same letter, they also failed to provide me with the original documents I had requested to verify the debt in my original letter dated back in XX/XX/XXXX. The last and third certified letter I sent was on XX/XX/XXXX and was received by One Main Financial ( aka Springleaf ) on XX/XX/XXXX @ XXXX. I requested the same information as the second letter and requested the inaccuracy on my report be deleted due to non compliance of FCRA, section 623 ( a ) ( 3 ). It is now XX/XX/XXXX and to date I 've no resolution, my rights have been violated under the FCRA, section 623 ( a ) ( 3 ), and One Main Financial ( aka Springleaf ) continues to report inaccurate information to all XXXX and XXXX. In addition to the complaint above, personal and sensitive information was shared with someone else claiming to be me on XX/XX/XXXX at XXXX XXXX XXXX eastern time. I was told by the Executive Office of Customer Care they were of no fault of this even though there respresentative, XXXX XXXX was employed and calling on their behalf.
07/16/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	FL 32092	Web
Bait and Switch Good Afternoon, I am writing to you to explain how displeased I am with this company. I honestly feel like you pulled a Bait and Switch routine. I came to One Main seeking a personal loan to cover some debt. You were only able to do a portion of the amount I needed. I was fine with that and was ready to walk away. Then you start telling me about taking over my car loan and I could then use that as collateral for the additional funds I needed as another personal loan. I gave you permission to talk to my wife to help facilitate this process and you repeated told both of us that in the future I could refinance and take the car out of the loan if i found a new car i wanted to purchase. You went on and on about being able to do that and gave examples how to do it the right way by contacting you guys first because you've had customers just go through the dealership and which caused hiccups. I feel so manipulated and taken advantage of. I even stayed at your office for 3.5 hours while this was being hammered out. you had to do certain things so the system would take it and again you insisted I could refinance and take the car out when i was ready to purchase a new vehicle. As you see the email below ; i asked to do just as you instructed me to do. then you call me and tell me i am not able to take the car out of the loan and that the total loan is XXXX for the car. The way you presented it was not like this. Your word choice suggested the car could come out and the rest of the personal loan would be refinanced. Had you explained it correctly I would have never went through with the loan. But you knew that and that is why you presented it the way you did. So basically in a nut shell you created a car loan for an estimated 13K when it was worth only maybe between {$7500.00} and {$8500.00}. How you and your company handled this situation is complete wrong. You all should honor what you stated repeatedly to us and pull the car out and refinance the rest of the personal loan. I want this situation resolved.
02/09/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	MD 21230	Web
I applied for a loan through One Main Financial ad received a call from who I thought was the company telling me i Had been approved. Below is a copy of the loan acceptance letter ; One Main Financial XXXX Attachments XXXX XXXX ( 3 hours ago ) to me Hello, Mr.XXXX In this Consumer Loan Agreement ( " Loan Agreement '' or " Agreement '' ), the words " You '' and " Your '' mean the Borrower identified above. The words " We, '' " Us '', " Our '' and " Lender '' mean One Main Financial holdings, LLC, licensed and regulated by the State of Washington Bank Commissioner. Monthly Installment Amount {$260.00} Total Months to Re- Pay your loan Amount 12 MONTHS Amount Financed The amount of credit provided to you {$3000.00} PAYMENT SCHEDULE : SECURITY : You have to secure with XXXX ( XXXX XXXX XXXX ) which is going to cost you {$190.00} ( for next 12 months ) which is a Refundable Amount. LATE CHARGE : If your payment is one or more days late, you will be charged a one-time late fee in an amount that is the lesser of {$30.00} or 5 percent of the total late Payment ( including finance charge ). PREPAYMENT : If you pay this loan off early, you will be entitled to a refund of any unearned finance charge. Review this entire Loan Agreement for additional information about nonpayment, default and prepayment refunds. Disbursement Authorization : You authorize us to disburse the proceeds of Your Loan, totaling ( Loan Amount ), subject to the terms and conditions of this Loan Agreement, as follows : 1. {$35.00} to payoff outstanding amounts owing on prior loan ( s ) ( Number ( s ) ), including any outstanding principal, accrued interest and other fees and charges, if any, As of ( Date of Loan ) 2. Loan amount will be deposited to your checking account identified in ACH authorization here in. Thanks Regards, XXXX XXXX ( loan manager ) One Main Financial XXXX XXXX XXXX I'd paid for the insurance to realize that it was all a scam. Asked for my money back and was told it can't be cancelled be cause the player quit the game.
11/30/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AZ 852XX	Web
I opened a paper statement for my One Main Financial personal loan for first time in a while and noticed a Fee for NSF in the amount of {$25.00}. I did n't understand this since all of my payments are direct debit each month and my checking account has overdraft and I had n't received any Past Due notices. I also do not typically open paper statements. But this time I did. The statement looked funny to me because there was reference to the {$25.00} NSF Fee, but my Amount Due and Past Due Amounts were {$0.00} ( Statements Copies Attached ). I went online and reviewed my statements for the past year and the same Fee for NSF in amount of {$25.00} was on the statement for each month in the last year+. I checked with my bank and all payments had cleared. I called the customer service number and the rep, XXXX, indicated that there were no NSF 's on my account. She pulled transaction record back to XXXX XXXX and finally found a Fee. I believe this is the same time-frame that this account, previously Spring Leaf converted to One Main Financial. She said I never paid a Fee from XXXX XXXX, I asked her why my Past Due Amount shows {$0.00} on all my statements. She did not have an answer. I said, lets pay the Fee and it should n't show up next month in Transaction history. We started to process the {$25.00} payment and then she said, she would waive the Fee since I had never had any payment issues since the loan was opened. My concern is that this fee has potentially been included in the interest charges calculation, or possibly in the monthly payment posting amount that gets credited to may account has not been correct and an extra {$25.00} is being charged as Fee versus going against loan principle and/or maybe even caused my APR rate to increase for non payment. I had commented in the past to my spouse that it seemed like the loan balance on this account has n't been going down very fast. This is not clear and concise reporting of Rates and Fees as per UDAAP or Regulation Z. Please take a look. Thanks -- XXXX
02/12/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48178	Web
First of all, I am wondering how XXXX XXXX XXXX is still in business running the same scam as before the CFPB sued them. They did not speak with several of my loan companies at all and by the time they realized that two of them wouldn't work with a debt relief company I was already over 8-months behind in payments and catching up put a huge financial burden on my family and I had to take money out of my 401K ( and the tax penalty ) to catch up the payments. Because, not only was the payment per month to XXXX not being adjusted for the accounts that wouldn't settle, I was now having to pay 3 companies more than I was paying prior to signing up with XXXX and their monthly fee. I was also sued by a credit card company because they didn't negotiate in time. Then when I was told my last payment would be in XXXX, they extended the program to XXXX because I still owed them fees. We decided to take out a Home Equity Loan to pay them off once and for all because I took all but one of my debts out of their program was told that all I had to pay was {$780.00} and would never have to deal with them again, called in today and all of a sudden they said I owed upwards of {$1600.00} to pay them off. She eventually corrected the amount to {$800.00} but still not what I was told just last week. This entire company is a scam. They wouldn't let me leave last year and take the settlement to XXXX, who, by the way, is a much better and more client focused debt relief company, because I had a structured settlement. And that settlement was for 50 % of the debt I owed but the fees they charge, 25 %, make this program almost useless. Why settle if you are just going to charge that amount in fees. I am unclear how the CFPB allows this company to continue to scam people. I have lost over {$2500.00} with them and even though I am paying them off in two weeks they told me I had to continue to pay my monthly payment until XXXX so I had to make a special request for them to halt my automatic payments they have coming out twice a month.
05/02/2018	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	PA XXXXX	Web
ONEMAIN XXXX XXXX XXXX. XXXX, TX. XXXX ( XXXX ) XXXX, In XX/XX/XXXX I contacted the XXXX XXXX XXXX by submitting a complaint online on their website in regard to the company listed above known as OneMain Financial. I submitted a complaint that the company was illegally using phishing postal mailing scams for pre-approved loans in order to false-fully obtain credit information from prospects, I was a victim of it. The company used false advertising in order to obtain my credit information in which they ultimately denied any type of pre-approved loan. The branch office was located : XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. I submitted corporate 's information to handle the illegal phishing scam. I have two ( 2 ) Hard inquiries on my XXXX credit report from ONEMAIN in which I already submitted claims of fraud/scam in which I did not authorize or make any hard inquiries in order to access my personal credit report. The dates reported : XX/XX/XXXX- Reason " Unspecified '' XX/XX/XXXX - Reason " Unspecified '' I was a victim of the original phishing scam on XX/XX/XXXX in which I did give my information but it was used against me since I was ultimately denied after supposedly already being pre-approved. However, XX/XX/XXXX I did not contact or authorize this company in any way shape or form due to the fraud/scam already reported to the XXXX in XX/XX/XXXX. I reported that I did not want any contact from this business whatsoever as it would be considered harassment. The XXXX. also rejected a recently submitted complaint and responded that that OneMain Finacial headquarters located in the state of Illinois is no longer in existence to be contacted. The above contact information should be valid as it is actively/ presently reported on my credit report. Please see XXXX credit report uploaded as an attached document and the black circled areas as they pertain to the hard inquires I am disputing. **OneMain Financial Corporare Headquarters Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IN XXXX
07/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IN 46368	Web	Servicemember
I took out a loan from OneMain Financial , Inc AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX while going through divorce then became ill. I had XXXX which took time to recover, no work no money. I did not notify the company since I thought I could catch up later. The company has to date never provided a Default Notice or Warning letter to my address ( Lawyer has the address ). Oddly I received a summons with " ALIAS '' stated on the summons in handwriting. My name was hyphenated when I was married ( I suppose it's not okay for males, they get branded with Alias by rich 1 % financial companies ) this will be shared to social media. The courts have since restored my name and the loan company agent ( Lawyer ) feels the need to criminalize my LEGAL NAME CHANGE BY CALLING IT ALIAS, I DO NOT AND NEVER HAD AN ALIAS. I moved yet the summons managed to locate me which indicates they always had my address. Strange, so why haven't I received any correspondence ( ie Warning Letter or Notice of Default ) from the loan company? This rich loan company managed to find a lawyer to drain the blood from me while struggling, yet can not send a notice and warning as required by law? I have in my possession the loan companies own agents ( Lawyers Summons ) on letterhead indicating they knew/know my whereabouts and went straight to summons. No Warning or Notice of Default are in the summons. Now I am to appear in court or face a judgement caused by a stacked deck in favor of the 1 % rich company. This is harassment and I intend to counter sue the company for violations of the FDCPA. However, to avoid all the back and forth, I would still be willing to work something out with the extremely wealthy 1 % loan company AWAY FROM LAWYERS. I write this complaint to make this a matter of public record. And I will fight back if necessary. I will retain counsel and file countersuit within 5 days. I know my rights under the FDCPA and I have no intention of allowing any company to ruin my name. I await the reply.
05/10/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NJ 07306	Web
On XXXX / XXXX / 2016 I had a XXXX XXXX " very good '' rating and was eligible for a pre-approved loan in the amount of {$5000.00} with XXXX XXXX XXXX through the 3rd party websit e ( XXXX ). While I understand that a Pre-approval does not guarantee approval of the loan, I applied for the loan d ue to my confidence of believing that I would be approved. As expected, I immediately received an email directly fro m One Main Financial stating that I was indeed approved for the loan and that a loan specialist would contact me soon. After waiting 10 minutes, a call was made to me but was immediately disconnected before a conversation began. I then contacted One Main Financial concerning the loan and was told by the representative that she needed more information and I would have to re-appply with her over the phone ; although I told her that I was already approved with the email confirmation as proof. After providing the representative with all of my personal information, I was then told that I was denied of the loan and a hard inquiry was reported to the credit bureaus and has placed in my credit report since. This is false, confusing, misleading and deceptive advertising/marketing. Without exaggeration, this loan was needed for several reasons. One reas on was to bury my deceased uncle and I have the death certificate to backup and verify such statement. The undue hardship and mental anguish this has caused me is indescribable. Knowing that my approved loan was taken away without reason or cause left me in a state of XXXX . This has aff ected my credit tremendously and makes me to appear more risky to creditors and lenders. Creditors and Lenders are have been and are still looking at my report and wondering why a history of line of credit with One Main Financial is n't in my report since my hard inquiry is less than a year old. Please see the attached docum ent showing that the email was sent to me letting me know I was indeed approved of the loan.
11/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 388XX	Web
I HAD A PAYMENT DUE ON MY ACCOUNT WITH ONE MAIN FINANCIAL IN XXXX, MISSISSIPPI. I CALLED TO LET THEM KNOW THAT I HAD NOT RECEIVED MY CHECK IN MY DIRECT DEPOSIT AND THAT I WAS BEING MAILED A PAPER CHECK ON FRIDAY XX/XX/2018. THE COMPANY SAID THEY WOULD NOTE IT AND SEE ME FRIDAY. SO TODAY THEY CALLED ME 3 TIMES WITH IN ONE HOUR 1ST CALL WAS AT XXXX THEN I RECEIVED A TEXT MESSAGE FROM AND EMPLOYEE IN THE COMPANY THAT I KNOW THAT STATED HEY DEAR YOU PAYING TODAY THERE FIXING TO CALL AND BLOW UP YOUR PHONE. I RESPONDED TO SAY THAT I WAS WAITING ON MY CHECK TO GET HERE BUT I WOULD BE THERE BEFORE THE END OF THE DAY AS I HAD SCHEDULED. THEN I RECEIVED ANOTHER CALL FROM THEM AT XXXX. I THEN CALLED THE COMPANY AT XXXX XXXX AND ASKED TO SPEAK TO THE MANAGER. I ASKED HIM WHY I WAS GETTING REPEATED PHONE CALLS FROM HIS COMPANY AFTER I HAD ALREADY TOLD THEM I WOULD BE IN TODAY? HE RESPONDED AND SAID THAT THEY WERE JUST FOLLOWING UP. I SAID YOU FOLLOWING UP 3 TIMES WITH IN AN HOUR AFTER I TOLD YOU THAT I WOULD BE IN ON FRIDAY. HE SAID THAT WE WOULDNT HAVE THIS PROBLEM IF I WOULD JUST MAKE MY PAYMENTS ON TIME. I ASKED WHEN MY PAYMENT WAS DUE HE SAID ON THE XX/XX/XXXX I THEN RESPONDED AND SAID THAT MY ACCOUNT WAS NOT EVEN 30 DAYS PAST DUE AND THAT I HAD ALREADY TOLD THEM I WOULD BE IN FRIDAY XX/XX/XXXX WITH MY PAYMENT. HE SAID THEN WHY DONT YOU JUST PAY ME OFF. I WORK IN THE XXXX XXXX AND WE DO NOT BAGGER AND CALL PEOPLE REPEATEDLY AFTER WE SET THEM FOR THE DAY. WE CALL THEM THE FOLLOWING DAY IF WE MISSED THE DAY THEY ARE SET TO COME IN. THIS MANAGER WAS EXTREMELY RUDE AND DIDNT SEEM TO CARE THAT I WAS UPSET ALL HE WAS WORRIED ABOUT WAS THAT HE DIDNT KNOW WHY I WAS STILL TALKING TO HIM. HE FINALLY HUNG UP ON ME. IF YOU TELL SOMEONE YOU ARE COMING IN AND THAT DAY HAS NOT PASSED AND YOU ARE NO WHERE NEAR THE DAY BEING OVER. WHY ARE YOU CALLING ME AND CALLING ME AND CALLING ME AFTER I HAVE TOLD YOU THAT I WOULD BE THERE. MUCH LESS 3 TIMES WITH IN THE SAME HOUR. THAT IS ABSURD.
10/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77070	Web
I sent 2 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 2. Failed to provide copy of the original contact bearing my signature. This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) 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 ). This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
09/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76180	Web
I lost my job in XX/XX/2018, I called my loan company to see if I could use the coverage I signed up for when i originally signed my contract ( i.e. help making a payment if I was ever unemployed ), at the time I was told I'd have to make the XXXX payment before I could use the coverage. I called a few weeks after making the payment to discuss the unemployment coverage and was told that since I was not collecting unemployment ( I had been denied my state unemployment benefits ) that I don't qualify to use the coverage I'd agreed to when I signed my contract. I asked if there was anything they could do to help to which they said no. I asked to cancel the upcoming payment since it was set up for auto withdrawal ( since I knew I wouldn't have the money the payment ). I had accepted a job through a temp staffing company but it wasn't due to start until the end of XXXX. I started conversing with my loan company around the beginning of office, I advised them I was trying to keep my car from being repossessed and if they took their auto payment it would overdraw my account causing more issues and risk me losing my car. The rep I spoke with told me she had cancelled the auto payments on the loan and I'd need to re-set up the auto withdrawals going forward to keep my loan on a good payment schedule. Turns out the company still tried to withdraw the money from my account and I had to file a dispute with my bank and nearly lost my car. They even tried to make another auto pay withdrawal again on XX/XX/XXXX and I am disputing it again. They want me to make a payment or do an extension but the condition is that I would need to add auto payments back to the loan. I've received multiple calls a day, including within the same hour. I've also gotten multiple voice mails left within the same hour on the same day. Every call I get comes from a different phone number which is really upsetting me. I am feeling harassed and under undue stress.
01/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	OH 44708	Web	Older American
I bought a motorcycle approximately inXX/XX/XXXX. The interest rate is 27 %. The loan is secured with the motorcycle, a XXXX XXXX XXXX XXXX and a vehicle I already owned, a XXXX XXXX. The company, Springleaf Financial has changed their name to One Main Financial. In XXXX I had a very bad XXXX incident and had a severe deterioration in my health, such that I could no longer safely operate the motorcycle. Subsequent to that my medical bills started to drastically accumulate and it became a matter of who do I pay? I stopped paying on the loan inXX/XX/XXXX, and asked the company to settle the loan. They demanded I supply them with comprehensive information about my income and creditors, and shortly thereafter a rejection ( titled Settle Meant, which made me question their competence ). As part of my offer I offered to turn over both vehicles as they were the security for the original loan. They flatly refused. I've been getting shifting stories from the company. Last week they told me the loan was for {$10000.00} and I still owed {$5000.00}. When I asked the lady how much total money I'd sent them she said {$5000.00}. I said you must mean principle, I'm asking how much total money including interest have I paid? She repeated {$5000.00}. That's not credible. At the time I offered a {$4000.00} settlement ( if I could find it ) and they accepted, but that was before they told me I'd paid {$5000.00} total on a 27 % loan. A rough back of the envelope calculation is $ XXXX/month, for 54 months, is over 13,000. I'm sure I missed payments from time to time and my calculations are rough, but I'm quite sure that the {$5000.00} figure is bogus. Yesterday I called and asked some questions. They told me the loan was started in XX/XX/XXXX, also not credible. I have a picture of myself on the motorcycle fromXX/XX/XXXX. They told me the original amount borrowed was {$7400.00}. I'll be interested to know what story they give your agency.
06/06/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89011	Web
Dear Bureau : About 1 year and 4 months ago, I decided to refinance my car with OneMain financial. At that time the staff of One Main proceeded to explain the details of the loan, it was quick and a lot of information to assimilate at the same time. Anyways, I applied and I was approved, the details are broken down in the attached document. My previous loan with XXXX XXXX was XXXX that they proceeded to pay and on that amount they also financed an amount of XXXX, for a total of XXXX ( OneMain loan plus the daily interest payment on this principal amount ) Since XX/XX/XXXX I have been paying around XXXX dollars per month every month, many times with a lot of sacrifice as you will see attached the bank 's emails of " insufficient funds ''. This loan with ONEMAIN has cost me my emotional tranquility, this debt is unsustainable, by itself and also because my emotional and financial situation is in detriment. I asked for help, OneMain offered me a loan deferment for 2 months ( document attached ) which actually ended up making things worse because the process was not explained clearly to me ) and it ended up adding late fees. In the last months I have suffered several difficult situations, among them my mother 's illness in the middle of XXXX until her passing in XX/XX/XXXX ( I had to be responsible for medication and funeral costs ), I have also been forced to sign with a XXXX XXXX XXXX to pay my credit cards to the limit since it has spiraled out of control, my health It is deteriorating and I have had more than 10 visits to the doctor in the last two or three months ( XXXX, XXXX, XXXX problems, among other ), on top of all other expenses and daily situations that occur in life. I appeal to One Main through you, to request help in these difficult times emotionally and financially, for a restructuring of this loan, interest reduction, or any help that can decompress my situation in these difficult moments. Thank you.
06/21/2017	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91744	Web
On XXXX XXXX I called my local XXXX XXXX California branch to talk about my account. I was answered and given personal account information without verifying or authenticating I am account holder. I asked if anyone can call and get personal information with just my name, they yried to deny it stating she did not give personal information, but she did inform me about previous transactions on my account. I called again one week later to the call center to file a complaint, they said they were going to, but never happened. I called my local branch again to make sure maybe it was just that one call, they gave me payment information and debt information without verifying I am account not holder. I asked the associate why she did n't verify I am account holder because that is private information and I would n't want anyone to just call and get it, she stated that they are not required to ask questions to authenticate customers, when I asked her how is my information protected she then put me on hold and transferred me to the manager without telling me. The manager stated that they do normally ask questions but she does n't understand why I was complaining about this. I was also called on XXXX XXXX, to collect a debt that was n't due until XXXX XXXX, payment was not late yet, when I got in contact with them and asked them why are they making a collection call before me due date, and again did not verify me, her words were " I was just wondering if you were going to make it on time, " the company is one main, in XXXX XXXX, California. I received a call today XXXX/XXXX/XXXX from the call center, they again just gave me payment information without authenticating me, I asked how is my information protected and she stated they are not required to ask authentication information u till after the call and after all information is given. I feel my informative n is not protected and they are violating consumer information privacy.
03/09/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90606	Web
From XX/XX/XXXX through the present time OneMain Financial has continued illegal and abusive attempts to collect debts that they are not legally entitled to collect/receive because of the fact that they have committed common frauds and/or have no current valid agreement of accounts stated to establish a verified debt which entitles them to collect/receive on this alleged liability. Furthermore, this company is not in compliance with the fair credit reporting responsibilities that state and federal laws mandate that they must do when managing consumer accounts. At this time all XXXX Credit Bureaus have inconsistent information that is as a result of OneMain Financials improper actions that it seeks to deliberately obfuscate from the eyes of regulators yet ironically seeks to enforce its own nefarious agendas. OneMain Financial continues to engage in harrasment via email, phone calls and letters denoting legal consequences as though sent by a lawyer/law firm despite knowing that this is illegal and improper. The company has recently reorganized reincorporated itself. New account numbers and transfer of the alleged debt has occurred as of XX/XX/XXXX. This email will serve as a full dispute denial of the entire amount alleged to be owed to OneMain Financial. No new contract has been signed on this account stated to verify the transfer of loan servicing entity and no verification has been received to demonstrate that OneMain Financial or their reincorporated entity is entitled to anything from me. This pertains to all prior information within their possession since a proper chain of custody of accounts stated has not been received by me. Furthermore, the credit bureaus are and have been decieved by OneMain Financial for several years as to the appropriate details pertaining to this alleged liability. Finally, this email is not an acknowledgement of the alleged debt in any way as granted by Federal State and local law.
04/11/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	MI 487XX	Web
On Wednesday XX/XX/XXXX i applied online to One Main financial for a personal loan and was approved for an unsecured loan for the amount of {$17000.00} providing, according to the approval message received on the site, i would furnish proof of identity and could verify my income.I then was directed to go into my nearest One Main Financial office to furnish said proof. I was again told that if i provided the required info my loan was approved. I had my XXXX tax return and 1099s from XXXX. I was informed that they needed my XXXX tax returns as well. I then asked for an explanation of why they needed my tax returns as i had just financed 2 brand new vehicles with only my 1099 and a statement from the folks who issued my 1099. I asked to see the policy or have it explained that states this request and my request was refused. I then asked, " so the only way i can get this loan is to show my XXXX tax return? ". The branch manager XXXX said yes. I then informed her i didn't have it completed and would need time to prepare it. I then informed her that since she would not provide me with the policy they have concerning my tax info that i was contacting the executive office to get clarification.Executive office explained in detail and informed me to go back to the One Main branch i applied at to finish up my loan. On Thursday XX/XX/XXXX i went back in with my completed tax forms and was then told my application was deleted and now i needed to reapply. They then ran my application again and i was denied because of too many inquiries. Costing me not only the loan i was already approved for but hurting my credit unnecessarily. When i asked why they did this to me and deleted my initial approved app, XXXX stated that, i assumed you didn't want the loan anymore even though i never stated that and was actually only looking for clarification and for my completed tax return which i had my accountant working on in that week.
06/30/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 356XX	Web
I have a loan with One Main Financial. I have had this say loan since XX/XX/2013, it is a 63 month loan. My balance started at {$11000.00} which I was only told I was borrowing {$10000.00}. My balance now after 3 years is still {$8800.00} so according to them I have only paid {$2400.00} in 3 years. I have received multiple phone calls from this company during this 3 years in which they have told me that if I did n't pay my payment that day that they would be seeking legal action against me. I have also received phone calls and I have asked them for help with getting on track and they have told me lies about how they are being bought out my other companies and they ca n't help me. One day the office staff called me and did n't realize that I was on the phone already and started talking about how they were going out that weekend XXXX. I just received a call today, I made a partial payment on my account, and they told me that balance was to be paid in full today or they was going to seek legal action, they tell me this multiple times and that they will sue me if I do n't pay. There have been times when I have been like 15 days past my due date and they still tell me this. I am fed up. I have been spinning my wheels paying this company and they are hateful and always rude to me and lie to me and threaten me. I have tried to call corporate several times and I am always told there is nothing to be done and I have to take it up with my local branch. They also call me 6 to 10 times a day if I am due for my payment. I am trying to work a full time to be able to pay my bills and my phone is constantly ringing. The other day when I went in their office a lady was in there making a payment and they were yelling at her because she had a hard time hearing and they were very rude to her also. I just ca n't stand the attitude they have with their customers and the way they are treating the loans and threatening me.
02/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29803	Web
I had a loan with One Main Financial for a few years making monthly payments, never seemed to decrease the balance. We came to a Settlement agreement of {$4900.00} agreed upon, XX/XX/XXXX, Payment attempt made, unfortunately had an emergency come up that affected the payment, no communication from One Main other that a Monthly statement that only stated the amount of {$4900.00}. Finally on XX/XX/XXXX we were able to make the payment of {$4900.00} and wrote in the Memo and on the payment stub, " Paid In Full ''. One Main has accepted this payment and credited it to the Account, however they are stating that there is still a remaining Balance of $ XXXX and that the account is not closed and paid in full. This information was provided by the Customer Service Rep, when I asked to speak with a Supervisor / Manager, and VP, Executive ETC. that could help with this matter, I was told that all the supervisors were at lunch and that there was not a Executive or VP or Higher within the company that I could speak with. The only help that they offered was to set up another settlement for the $ XXXX that they are saying, I still owe with no written documentation sent to me. and the offer to modify the amount which I declined, because they are Now PAID IN FULL, and this account needs to reflect this. I have paid well over the borrowed amount between the monthly payments that were made for 4+ years and the settlement of {$4900.00} On a total amount Borrowed of {$5000.00} As far as I am concerned ( and I believe there is a law stating this ) the payment of {$4900.00}, was credited to the account on XX/XX/XXXX and was accepted as a " Paid In Full amount '' as indicated on the stub and Check that was accepted and deposited. This account needs to be closed and settled as {$0.00} Balance One Main is a bad loan company that takes advantage of people that are in need at the time and do not have established credit
10/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92223	Web
on XX/XX/2017 I applied for a Loan with OneMain Financial online. I was told that i was qualified for a loan based upon my pre-tax income and pre-credit screen online. I went through the entire process, a customer service rep called me walked through everything. I was mislead during the application process because on the phone they use a different method of calculating income and only look at your take home pay, which can vary significantly in my case. [ They do not disclose this to you on their website when you are applying that its a different method of calculation, they also do n't mention to you that they use a budget amount to look at your income when you apply ] My pre tax income is close to XXXX a month. My take home income is close to XXXX. Between both incomes I have elected about XXXX dollars in additional taxes taking out ( voluntary, selected most recently ) I also have a tip wage that is calculated in my income and pre-taxed which makes my income look lower. I was trying to explain this to the representative except she stated they do things differently when they calculate over the phone, and it 's different than online. They do n't tell you this when you are applying. It becomes very misleading lending practices. Had I understood exactly online when applying how things were calculated and that they look at a different formula I would 've never continued with the application because I would know that the loan I was applying would not meet their standards, and I would have been declined from the start. The process makes it seem so easy, your presented with terms based upon all the data you submit and they pull your credit online, but they do additional screening over the phone and have additional standards. They also look at your income differently when they talk to you over the phone, which again is not what is stated on their website when it asks for Income.
06/24/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NY 11221	Web
I have filed a few other complaints related to this situation. My payments on the loan I received from One Main Financial were not correctly applied to my balance. And after I filed my initial report with the CFPB, they stopped sending me bills. I figured the complaint I filed with the CFPB had motivated the company to correct their mistake and finally properly apply my payments, making the loan paid in full. So to be sure, I called One Main Financial. I was told my account had been charged off. But, they never sent any mail notifying me of this. I was then transferred to a recovery department. The representative I spoke to told me she could n't give me much info about my account and someone would have to call me back in a few days. It 's been almost two months. I called back today and was just transferred around to several different operators as well as given very different phone numbers for what was supposed to be the recovery department. I finally spoke to XXXX representative who told me the reason I was probably being rerouted back to the main number is because the recovery department goes to lunch XXXX However, I think it 's still ridiculous that no one could give me answers about my account. I want to know what type of consequences the company can face for stopping my bill statement and then charging off my account without notice. They have the title to my car also. Should I get a lawyer? This was a very bad loan, if I pay back the entire amount they are requesting then my interest will have been 100 %! I borrowed {$6000.00} and they want me to pay back {$13000.00}! Please help. My sister is in college and neither me or my dad can co-sign a parent plus loan for her because of this predatory loan One Main Financial misleading led us into. It 's not fair. i 've paid quite a lot on this loan and I 'm just ready for this to be resolved so i can move on with my life.
01/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60102	Web
My Husband XXXX XXXX took out a loan with Springleaf Financial now know as One Main Financial. This was an installment loan with using a 55 inch XXXX tv as collateral. They asked him if he owned his car/suv he told them NO I do not that is in my wife 's name. I XXXX XXXX, noticed in XXXX on our car insurance, bill with XXXX XXXX XXXX XXXX XXXX, that Springleaf what showing on as lien holder on my XXXX XXXX XXXX. I called Springleaf office several time and they refused to talk to me. XXXX XXXX gave them permission over the phone one occasion and then handed the phone over. I told them you need to remove yourself from my car as lien holder as the in NOT in XXXX 's name it's in mine and I have the titled. They said they had no knowledge of this. I elevated this to corporate and NOTHING was done so finally I told XXXX to Stop paying on this loan it is NOW paid off and I am going back after them for damages as they can not lien property they never had the titled or authority to do so. That is Fraud, I XXXX XXXX did NOT give authorization nor did I sign the title of my vehicle over to XXXX for this installment loan. I need to make this clear that XXXX XXXX is who the loan was for I am his wife XXXX XXXX, but I am NOT on the note of this loan. This was something my husband took out in his name only. I called my insurance Agent XXXX XXXX and he was able to find out that this request as lien holder came in through corporate by way of Springleaf and NOT to his office, which he pointed out is not the normal process, usually he would get the phone call and information from the consumer and he would reach out to the lien holder to verify. Since this went directly to XXXX XXXX XXXX XXXX XXXX corporate he was unaware until I contacted him direct, after years of failed attempts with Springleaf Financial now know as One Main Financial. I have attached all the proof of this.
04/11/2019	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	NJ 08012	Web
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : ONEMAIN FINANCIAL, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
10/08/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 17201	Web	Older American
I have a loan with one main financial.they call here 5-6 times a day and even on sats.what happened was back in XXXX I needed a loan to get my vehicle fixed for inspection.they told me I could get {$500.00} loan if my wife cosigned. it did n't happen after running to the banks and XXXX to get sattements. I had been paying {$230.00} a month be fore that, only about {$100.00} was going on the loan the rest was interest.so I borrowed the money from realitives to get it inspected.i told them ( one main ) I would n't be able to make a paqyment for 2 months because I had to pay my realitives back.that would of been XXXX only the car broke down again I needed a coil it cost over {$150.00} to get it towed and fixed. so XXXX came by, was going to make a payment. but they call here fromXXXX, 5-6 times per day .I asked them to stop and sent them letters did no good.so now were are in XXXX I sent them a check for {$20.00} and told them to stop calling and I d start to pay them that did no good either.so XXXX the stsrter went out there was another {$150.00} bill towing to garage and fixing. itsw a XXXX XXXX and I ve had a lot of problems with it lately, its XXXX XXXX XXXX. any how they call 5-6 times a day XXXX asked them to stop that does no good and I told them in a letter if they keep calling I wont pay them anything.and on sat. they called twice.XXXX.if theyd stop calling me XXXX d start to pay them again iwas paying them {$230.00} a month that 's {$2700.00} a year and onl ; y {$1200.00} went towards the loan.and they could n't give me {$500.00} loan it really ticked me off. I am XXXX and on XXXX XXXX.and tired of this XXXX.plus they changed my loan date when I asked them not 2. so they really got me going.i ve had an account with them for years.i d like them to sue me in court so I could tell my story so other people borrowing from them know wht they do.
10/19/2019	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TX 75052	Web
I submitted an application for a loan and was approved on XX/XX/2019. I had not uploaded the documents online and there was an expiration date that I can no longer see. One Main Financial sent some contact information out to a branch in XXXX XXXX, Texas. I spoke with an agent on XX/XX/2019 while at work and explained my location and hours at XXXX XXXX. On XX/XX/2019 I called the branch office at XXXX XXXX and XXXX XXXX answered the phone. I identified myself and she looked up my account. She then said that the assigned agent was with another customer and would call me back in 30 minutes. I explained that our work schedules are very similar and I may not be available and asked if someone else could take the information needed. She curtly stated, " if I didn't answer she would reject my application. '' At that time I asked her for a supervisor and she said with a smile I am the manager. I then said thats not what I asked for. I asked for your supervisor, whether its a district or regional manager. She said you can go online. I then said you are not going to give me an email or phone number for someone over you. She stated no and shes rejecting the application and hung up the phone. Now all the emails I was sent, said that I have a team waiting to assist me. Then when I call and ask for someone else she refused me access to complete my loan application for which I was approved for, all because our schedules don't align. But note I am on the phone attempting to meet their business needs as well. I then emailed the company immediately. I also called the XXXX branch and spoke with XXXX. She also gave me other numbers to call. This morning I decided to find email that says I am approved and log in. XXXX rejected my application. I would like the reason she put in the system when she refused me the application process. That has to be illegal.
08/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 604XX	Web
I’m in over my head with this loan. I started with one loan and then was offered an opportunity to take another loan, that tacked on the balance of the first loan to the new loan and gave me a different payment amount and more total payments due. Then I received another loan offer that tacked the previous two loans onto it and gave me an even higher loan payment and extended the number of my loan payments to an even longer period. I got lost with what was actually what, became overwhelmed by the overall costs of these groups of loans, that were condensed in one larger payment, for even more months. And like a house of cards, everything became overwhelming and fell apart. I went into the office in XX/XX/XXXX and made a payment. I also arranged for a payment to be paid by pre-dated check, in XX/XX/XXXX. The XXXX payment that I arranged was taken, along with additional electronic payments (that were not authorized by me)...which in turn threw the account that these payments were debited from (my checking account) into the negative & fees incurred. Nothing was done to resolve this issue, it was deemed to be my fault because the One Main account was behind anyway, and no adjustments were made to compensate for the damage done to my checking account. I refused to allow them to debit my checking account again, which made this account even further delinquent. At some point, I no longer knew where or how to properly come to terms with One Main & stop trying & stopped responding to their attempts to contact me.Now they are threatening to sue me for payment and attorneys are constantly seeking to represent me. I have no money to give them or any of these attorneys wanting to represent me, due to other financial issues that have come as a result of attempting to fulfill my obligations to them, as well as my other obligations.That’s my dilemma.
05/21/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 31705	Web
The Company that I would like to make a complaint about is the company that go by the name of XXXX XXXX XXXX. Now it has been renamed as One-Main Financial. They sold my account to a third party debt collector, XXXX XXXX, pretending to be an attorney office. When I lost my job in XX/XX/2012, I owed a balance of $ XXXX.Additionally, while I was employed, I had the type of insurance that if you loose your job, the insurance should cover it. Long story short, I informed them of this. I was told to keep making payments from my unemployment checks until the insurance would take over and pay debt. I was put on a payment plan that lowered my payments but the interest rate of loan had doubled. I confronted agent over this, she stated that there was nothing that she could do. I was paying faithfully, every month with double the interest rate. The more I paid on this account, the higher the interest rate became. I confronted agent again, she stated I should continue to pay even if I had lost my job. After contacting company about balance, they stated that I should be getting something in mail. I took a visit to company, I was told same exact thing. I called several times and was told same thing. After several months, of paying what I could, the loan had ballooned into {$2500.00}. They had tripled the interest rate. Now today, they state that I owe them {$6000.00}. and more. At this point, my debt had been sold to a third party. I asked about the balance, they stated that they did not have that information and that I had to contact the third party debt collector. This collector was XXXX XXXX, they stated that they were an attorney office and if I did not pay full balance I would be arrested. This is abuse of power and harassment. They would never give me a verification notice of the amount that they incurred from XXXX/One-main Financial.
08/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 010XX	Web
I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXX Both loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers. Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status. XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies. XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled. XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle. XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled. XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial. XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as " Charged Off '' delinquent and unpaid. XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I do n't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, would n't it?
09/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NM 87120	Web
I started a loan with a company called Springleaf Financial LLC over here in XXXX, NM. That company is now Onemain Financial. The loan was for around {$10000.00} and was meant as a consolidation to my credit cards. I was mislead into believing an account worth {$1200.00} was consolidated in the amount by the associate who had me signing the papers. I asked her why I didnt receive a check for that company, and I was told that it would come after 3 months of on time payments. So after 3 months of on time payments I call to see what is going on and I was told that they could look into refinancing but that the terms of my loan did not include that account. They specifically then told me I should have read it closer. I insisted that the representative even talked to her manager and came back to tell me that information. I then signed the contract and took the checks they offered me. If I had known that it wouldnt have included that account, I wouldnt have consolidated, and it ended up putting me in a rough financial spot. I had asked for a supervisor to call me back, but I never got a return call. I didnt know about UDAAP until recently when I realized I was mislead and could take action against them. I obtained the loan in XXXX but the earliest statement their website lets me access is from XX/XX/XXXX which I have uploaded. I will work towards finding the entire agreement so I may send it in ; however, Im sure based on my statement you will be able to find the account this is in reference to and the signatures of the Springleaf representative and manager that mislead me. In addition, when they called to collect their payment on XX/XX/XXXX I wasnt informed there was a return payment or return payment fee on my account, nor did she give me the option of paying it. Im very concerned about this company and have no trust in them anymore.
08/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 010XX	Web
I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXXBoth loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers.Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status.XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies. XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled.XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XX/XX/XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle. XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled.XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial.XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as "Charged Off" delinquent and unpaid.XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I don't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, wouldn't it?
02/13/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA XXXXX	Web
I obtained a personal installment loan from One Main in the amount of {$5000.00} about a year ago. On the evening of XX/XX/XXXX, I was contacted by a loan representative located in the XXXX XXXX Branch office. The loan representative failed to identify herself. I was contacted by a representative who was calling to collect my XX/XX/XXXX loan payment. I explained to the loan representative I would be making my payment on XX/XX/XXXX, because I was at work and in a meeting. The loan representative insisted I pay immediately the month of XX/XX/XXXX and for the month of XX/XX/XXXX which was not due yet. The month of XX/XX/XXXX, was not due yet and has a 15 day grace period to pay. I explained to the representative I was not going to pay for XX/XX/XXXX because it was not due yet. Further, I again explained I would be making my XX/XX/XXXX payment on XX/XX/XXXX. The loan representative then handed the phone to Branch Manager XXXX XXXX XXXX. XXXX XXXX demanded I explain to her why I was late making my loan payment. I responded I would be making my loan payment on XX/XX/XXXX, and I did not have to explain why I was making my payment on that day. XXXX XXXX then proceeded to threaten, intimidate, and scare me with legal action. XXXX XXXX insisted I pay for my loan payment of XX/XX/XXXX which was not due yet. XXXX XXXX threats in attempting to collect a debt are illegal, unethical, abusive harassment and prohibited by the Fair Debt Collection Practices Act as stated by the Federal Trade Commission. Branch Manager XXXX XXXX XXXX and her associates intentionally practice unethical business practices, by threatening and intimidating loan customers when collecting late loan payments. These illegal collection practice using threats and intimidation to place loan customers in fear to pay is illegal and must be stopped.
11/07/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 22401	Web
I have a personal loan with One Main Financial which I have been paying on time for the past 2 and a half years. Recently I have had some issues due to medical reasons that have caused me to have to pay a week or 2 later than the due date. If I have to postpone a payment I will set up my payment on line through their website according to my budget each week. So even if it 's a week or 2 late, the payment is still scheduled. There is a girl named XXXX that will call me at work and home when I schedule a late payment. The last time I spoke with her when I was in the office ( XX/XX/XXXX or XXXX? of 2016 ) I told her she could not call me at work anymore. They are getting upset with all the calls. She would call everyday, sometimes 2 times a day. After that conversation, she continued to call. And again, sometimes twice from what my colleague at work tells me. I have logged all the times she has called if needed. I also mailed a written request to not call my work number in the future. She still calls. I understand they are concerned about receiving their payments, and I have never been 30 days late, and if they pay attention to their own website they know when I schedule my payment. I understand that if I pay late, I have to pay the late fees etc. And I do. The last conversation I had with her was borderline harassment. She was insistent that I come in and sign a paper for a deferment. I was 15 days late? I told her there was no need. I will pay the late fees. She did n't seem to like that answer. So I get a letter in the mail to sign for a deferment. Which I tore up. I do n't mind if she calls me at home, she can leave a message anytime. But I do n't want to be harassed any longer. The company I work for is getting tired of answering personal phone calls everyday and sometimes twice a day. She could make me lose my job.
04/05/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 76179	Web
We have had 2 loans with XXXX XXXX XXXX - one secured by car, other unsecured. We fell behind on payments a few months ago following our daughter becoming a victim of violent crime. We have continued to make payments but can not get caught up from the one month late payment. All of our payments are going to interest only and the company refuses to help us make arrangements to get caught up. They keep threatening us with repossession of our vehicle but refuse to let us get back on track. They call my husbands cell and my cell constantly every day, from different numbers. Yesterday, the contacted my mother - who has no knowledge of this or connection to it. They pretended to be a legal service company, stating they were attempting to serve me with legal documents and that if they dont receive my signature by today, they will document my refusal to sign and the process will move forward without me. They told all of this to my mother who is not party to this debt. They are impersonating a legal entity and threatening legal actions to us and others about us. Yet, when we try to work out arrangements with them, they demand full payment of past due and currently due and still threaten repossession. We do not know what else to do. We have been frantically trying to resolve this issue but they continue to get more aggressive and threatening instead of helping. Weve even considered bankruptcy filing due to this situation. It is illegal to pretend to be a legal process server/threaten legal action/tell others about my debt or threaten them about my debt. This needs to be stopped. Note : my husband is the party on this loan. He is also the owner of the vehicle involved. Yet, one main is contacting myself and my mother repeatedly and sharing debt information and threatening legal action against my husband.
07/05/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 92078	Web	Older American
I obtained this loan on XX/XX/XXXX, 2017 to consolidate some of my other bills. I went into the office of OneMain Financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX assisted me with the paperwork. I thought this was a good thing at the time to really help me with my financial needs. It was n't until about 3 weeks later when I learned of the {$950.00} fee just for doing the loan. I had talked with my XXXX XXXX insurance agent and was offered a loan with a much lower interest rate. This is when I discovered the outrageous fee on top of the 16 % interest rate. I am a senior citizen on a fixed income and I was NOT told of this FEE at the time I applied for the loan. Since trying to get the pay off info from OneMain, it has been a nightmare. I truly feel they took advantage of me by not clearly explaining & pointing out the {$950.00} fee BEFORE I took out the loan. Nearly a {$1000.00} FEE is certainly NOT how you help a senior on a fixed income. Then they took my 1st loan payment from my bank account on the XX/XX/XXXX when my 1st loan payment was set for the XX/XX/XXXX, per the contract. I was given the run-around when I asked for the pmt to be reversed on X/X/17. They said to get a bank statement showing the pmt of {$460.00} cleared and bring it to the office and they would cut me a check for that amount right then. When I got there with the proof from my bank they refused to give me the check and told me it would be processed and mailed in about 1 week. I need this money now. By the way, my loan amount w/ OneMain was {$18000.00} on X/X/17 and the pay-off amount effective X/XX/17 is {$20000.00} through X/XX/17. I am going with the XXXX XXXX XXXX loan to pay off OneMain.This place is SHADY in my opinion and preys on people like me, a senior citizen. They need to be investigated.
05/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78006	Web
On XX/XX/XXXX I submitted a soft pull prequalification inquiry through several lenders, one of those being OneMain. When submitting the prequalification at OneMain.com, there was a disclaimer that stated " THIS WILL NOT HURT YOUR CREDIT SCORE '' next to the accept button. There was verbiage further down the screen that stated this was a soft pull as well. After hitting the button to " GET STARTED '', I was presented with a pre-approval for {$10000.00} secured, for which I have nothing to secure the loan and do not want to entertain a secured loan anyways. I did not want to proceed. There was a button to continue that warned that a hard inquiry would be performed if I accepted. I closed the screen. I then got notification that my credit had been pulled as a hard pull. I gave no authorization to perform a hard inquiry. I am being very careful about inquiries and giving access to my full file, and I am very conscientious about only working with soft pulls until I am prequalified. I called OneMain and asked that the inquiry be removed, giving the benefit of the doubt that this was a glitch. I was advised that it would be removed by the back office team. I was then emailed by OneMain and asked to submit a written request to remove the inquiry. I submitted that request via email, and included a screenshot of the SOFT PULL screen that was still on their website. I received a denial letter in the mail, stating that OneMain had permissible purpose. This behavior has already been addressed in XXXX v. XXXX XXXX, XX/XX/XXXX. It is not good business practice to advertise a soft pull, use that as a marketing tactic ( see if you qualify without hurting your credit ), perform a hard pull without authorization, and then claim to have authorization. Please promptly remove the inquiry from my credit file.
10/11/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 80634	Web	Older American
XX/XX/XXXX I took out a loan to refinance my XXXX Buick Encore from One Main Financial, XXXX XXXX XXXX XXXX XXXX, CO XXXX with XXXX XXXX. XXXX XXXX called and stated several times that she could consolidate the signature loan I had at the time and the new refinanced auto loan. She said I qualified for a good rate and could pay off my car in less time as my loan with XXXX XXXX. She said that my payment would be about XXXX per month in total. I went in on XX/XX/XXXX to do paperwork on the loan. On this date XXXX XXXX stated that I also qualified for an additional XXXX within the confines of the loan. She spoke and spoke a lot and I signed the papers as she printed them off. The following week, I received papers indicating the payoff of the pre-existing loan. Then on or about XX/XX/XXXX, I received a call from a women at the branch who would not identify herself. She said she was the manager and that the loan I received did not payoff the existing loan and that they would continue to take payments for that loan and for the new loan. She said that I had until XX/XX/XXXX to return the XXXX and the loan would be null and void. I had used the funds to pay legal fees so I did not have the funds. This women belittled me and stated that if I had read the loan documents I would know that the total loan would have been closer to XXXX. I would have returned the funds easily if I would have been called the XX/XX/XXXX. I am currently paying this company nearly XXXX per month. I feel I was a victim of fraud and mislead. I feel I was pursued with malice. I was also zealously encouraged to purchase the life insurance policy. I have suffered XXXX since XX/XX/XXXX and have been so impacted by this. I only now have been able to take the papers out and look at them. I have been making the payments faithfully.
09/10/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	ND 58504	Web
InXX/XX/XXXXwe took out a XXXX loan from than XXXX, we were at the time strapped for money, having XXXX kids in college we needed some extra cash. I took the loan out not thinking about the interest rate for which we were charged. Ten years later I was still paying on the loan, I finally achieved my goal and paid the loan off 13 years later, only to discover I borrowed XXXX but paid back XXXX dollars ... I was paying 35 % interest for this loan..I know I should of known better but like I said we needed the cash, I am writing to you only to see if there are others you can help in this situation, I have paid my loan off but if I had known of the interest or your organization I would of gotten my loan reduced and not had to pay double what I borrowed. The company now is call OneMain financial. There is another situation we got ourselves into regarding Student Loan debt with our middle and youngest daughters. The middle daughter took out loans from XXXX XXXX, and they ended up charging her double the interest also, now we are having to pay her debt with her help of course but it came to over 140,000.00 dollars. I refinanced the XXXX XXXX loan with the XXXX XXXX XXXX XXXX in XXXX at a much lower interest rate but I am still paying on that high loan. I am XXXX and my husband is XXXX. He works two jobs and I work full time at a Utilites company making an ok wage. We have some retirement, not much but with these student loans we will never be able to retire. My youngest daughter has her loan with XXXX XXXX XXXX XXXX also, and with a much lower interest rate we are helping her out also. I know there is not much you can do to help us but I thought I would just share my story. Seen about agency on XXXX XXXX this morning. thank you for reading this and listening. XXXX XXXX XXXX North Dakota.
01/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75042	Web
I applied for the loan online, and received an automated phone call that my loan request had been approved. I was told to call XXXX to finalize the transaction. I was offered a {$10000.00} loan with a $ XXXX/month payback over 60 months. I spoke with XXXX and he outlined all the terms and conditions. I was told I would receive the funds via XXXX XXXX, but I had to pay the wire transfer fees upfront with a prepaid card. I was told to get a XXXX XXXX or XXXX card in the amount of {$360.00} and that XXXX XXXX would call me for the card information. I went to XXXX XXXX and purchased a XXXX XXXX card. On the way home from the store I started feeling suspicious that " what does XXXX XXXX want with a prepaid XXXX XXXX card? ", so when I got home ( and before I gave them the information ) started doing some research both online and with phone calls to XXXX XXXX and One Main Financial. I was told by XXXX XXXX that the MTCN numbers of XXXX & XXXX did not exist. They also told me that they do not accept XXXX XXXX gift card for payment. One Main Financial told me this is not the way they operate, they do not use XXXX XXXX to transmit funds. When I " googled '' the phone number XXXX I found other complaints of scams associated with this listing. I had never signed a loan contract - XXXX told me after I provide the card info and my funds were wired that I would be required to sign. After this research I told him that I did not feel comfortable providing any further information by phone, to please send me an email with the contract information. The email is from XXXX. This does not look like any other legal form I have signed online, and it says repayment is {$100.00} per month. So now I have a XXXX XXXX card worth {$360.00} ( I never gave information over the phone ) and no loan.
07/27/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	NC 27909	Web
I got a loan with one main financial in XXXX XXXX, I left my job for another XXXX. The payments were coming out of my bank account. I told them I no longer worked there I make less money and would be coming in to make payments. I got a local job asked them to lower my payments they were {$250.00}. I called the XXXX # the lady told me I had to go in the office and fill out paperwork for insurance. I did n't fill out insurance paperwork, but was threatened by XXXX XXXX of the girlsif I did n't come in and pay {$230.00} they would take me to court. I borrowed money and went in, XXXX XXXX of the girls XXXX XXXX ) told me all I had to pay was XXXX. I once again asked for lower payments I get {$150.00} all together in child support {$45.00} for 3weeks I turned this information in to them. I asked them if they would take partial payments since all together at the end of the month I have all the money. They no longer take partial payments. Once I get the money they have put a late fee on it, I 'm short of the money. I have explained this to XXXX who told me she had nothing to do with the late fee. I explained this to XXXX, XXXX I told them I would try to come up with the some money by Friday XXXX/XXXX/2016 they have called me every day. I won money from a pick XXXX when I made my last payment and I told them that. On XXXX/XXXX/2016 I had to once again tell XXXX I was out of work because my client passed away in XXXX and I have the obituary with my name on it. What did I pay insurance for, why they did n't change the date of my payments to keep from having a late fee? Why lie and tell me I had to pay XXXX fee and I go in someone tell me something different? I filed a complaint with XXXX I have not heard anything back. They have violated my consumer rights and being harassed.
10/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 751XX	Web
I applied for a personal loan online and received three pre-approval offers from One Main Financial XXXX. I selected one of the pre-approval offers for a unsecured personal loan that had the terms clearly stated on the website. A representative from One Main Financial XXXX contacted me by telephone to go over the details and asked me several questions about my income and expenses which all the information I gave the representative was exactly what I had submitted online. The representative then tells me they would not be able to help me and I was it approved for the loan. The reasoning 4 not being approved part the employee was due to my living expenses and debt to income ratio. The online loan application process and follow up with Company employee not only displays false advertisement and misleading information but very poor business practices. After receiving the disapproval I contacted the employee again to let her know there had been a mistake with the figures I had given her for my living expenses by several hundred dollars. After recalculating the figures the employee provided another excuse of how they would not be able to help me with the loan and that I was still would not be approved due to their company policy. I asked the employee where I could find the information regarding what is required of the applicants to be qualified for the loan and or company policies that she referred to and I was told that information was not for me to know. Due to the treatment I received from the employee of OneMain Financial I feel I have not been afforded the same opportunities and fair treatment as other applicants would have been afforded, therefore due to being an individual on a very low fixed income due to XXXX XXXX have become a victim of lender discrimination.
04/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	DE 19805	Web	Older American
I have a personal loan account with OneMain Financial Co. I had an automatic draft on my bank account for {$220.00}. due on XX/XX/XXXX. On XX/XX/XXXX, I called the branch manager to move the date to XX/XX/XXXX, since I receive XXXX on the XX/XX/XXXX Wednesday of month. The branch manager billed me that day XX/XX/XXXX, which over drafted my account and caused a domino effect of over draft charges. On XX/XX/XXXX, I made an office visit to address my issues on my account. The company gave me a {$36.00}. refund check for the over draft fee and meanwhile offered me additional money. I accepted an additional {$1500.00}. loan to address additional over draft charges that I might occur. I was told that they would refund my {$220.00}, and I wouldn't have to make a payment until XX/XX/XXXX, the new amount would be {$240.00}. mo.. I asked for my pay dates to occur on the XX/XX/XXXX Wednesday of the month ; I was charged {$34.00}. extra for the first payment {$270.00}. due on XX/XX/XXXX, which I paid {$270.00}, on XX/XX/XXXX. Over a week later, I received a {$220.00} refund check. On XXXX XXXX, I received a statement for {$500.00}, due on XX/XX/XXXX. stating that I was in the arrears and they wanted the {$220.00}. returned. Also, with them giving a check for {$36.00}. over draft because of their mistake ; they charged me {$34.00}. for an additional 10 days ; so they only refunded to {$2.00} for over draft. I received several phone calls demanding return of the {$220.00} ; and there was no 10 day grace period allowed for the initial payment. I am current on my {$240.00}. payments and do not feel that I should return the {$220.00}. when it was not even due until XX/XX/XXXX. The company made a mistake in their transactions and they want to hold me liable for it.
02/05/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MD 20747	Web
XX/XX/XXXX or XX/XX/2015, I referred my mother XXXX XXXX to apply for a personal loan at OneMain Financial in XXXX XXXX, MD. There telephone number is XXXX.My mom 's loan was approved. Also, I have been a customer with this company for approximately 3 years and have referred others to the company. My mother called to inform me that I can be rewarded for referring people and I would receive {$100.00}. When my mother informed me of this, in XX/XX/XXXX or XX/XX/XXXX, I contacted the company and spoke to XXXX XXXX. I asked XXXX XXXX if I could be reward for my mother 's referral. XXXX XXXX stated that normally it has to be done at the time the customer completes the receives the funds. However, XXXX XXXX said that she would contact her manager to see if they could give me the offer. XXXX XXXX called by back to say that she was going to do it this time but in the future I would have to give my clients a number ( she provided me a number ) so that I could receive the {$100.00} for referring them. On XX/XX/XXXX, I contacted XXXX XXXX asking the status of my {$100.00}. XXXX XXXX told that that since it was too late she could not do it. HOWEVER, IN XX/XX/XXXX SHE TOLD ME THAT SHE DID IT AND IT WILL TAKE 6 TO 8 WEEKS TO RECEIVE THE CHECK. THIS IS FALSE LIES TO A CUSTOMER AND POOR CUSTOMER SERVICE. WHY XXXX XXXX NEVER CALLED ME BACK TO SAY THAT THE DECISON HAD CHANGED. YOU MEAN TO TELL ME THAT {$100.00} WILL HURT THIS COMPANY MUCH AS I HAVE BEEN AN CUSTOMER AND MY FAMILY. I FEEL THAT ONEMAIN SHOULD AWARD ME THE {$100.00} SINCE XXXX XXXX STATED THAT SHE PROCESSED THE ACTION. IT IS UNPROFESSIONAL TO RUN A BUSINESS TELLING CUSTOMER FALSE INFORMATION. IT IS NOT GOOD CUSTOMER SERVICE FOR ME NOT RECEIVING A FOLLOW-UP CALL TO INFORM ME THAT THE ACTION WAS REVERSED.
01/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78681	Web
A few years ago I applied for and received a loan from Springleaf Financial, which was eventually acquired by OneMain Financial. Initially, monthly payments were being applied toward the principle and the loan amount decreased. Once OneMain assumed ownership, communication processes devolved and loan interest began to accrue. A little over a year ago, my payoff balance for the loan was {$4800.00}. I became ill and was forced to leave my job and spend most of my savings on medical bills. I maintained contact with the loan agency and set up what they referred to as a " mod '' or modification agreement. I would pay {$90.00} a month for 6 months to " get back on track '' with payments and continue to pay down the loan once I started working again. Over the past few weeks, I have requested documents - including all payments made since the beginning of the loan, as well as the initial loan agreement from both Springleaf as well as OneMain - and have yet to receive any, although three staff members of OneMain have promised to send them. I called today - XX/XX/XXXX - to see what the payoff amount would be, and was told it would be over {$5200.00}. After taking a closer look at XX/XX/XXXX statements, it appears " mod '' agreement payments were over 90 % interest, with just over {$3.00} going towards the principle. This may be legal under state guidelines, but it is not right. I was never informed that modification payments would only net {$3.00} towards the principle, while the remainder of the loan accrued interest. I have now paid more than {$2000.00} to OneMain, with zero reduction in overall balance. I have sought out legal advice and hired and attorney, and I request the CFPB investigate OneMain for fraudulent and misleading practices.
07/30/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PA 17046	Web
We previously had a personal loan with One Main Financial for almost a year prior to speaking with them about a car loan. When I called them I specifically said a car loan. They requested information about the vehicle year make model and where it was being purchased. We told them how much money we had to put down and where we wanted our loan payments to be. We were told it was approved with a payment of approximately 220 dollars a month. We picked the check up made out to the car dealership. And signed the paperwork which was mostly on the computer. We were told the accounts would be one payment for convenience. Unfortunately my husband was in an accident with the vehicle and it was considered by our insurance as totalled. I spoke initially with XXXX at the one main office in XXXX Pa. When I asked her direct questions she was unable to answer them and kept saying that's information they give to the insurance company directly. When i pushed her for account info. She reluctantly gave me the payoff info. She told me the pay off amount was XXXX. When I continued to be confused about the amount she finally told me that it wasnt a car loan but a personal loan secured by a title. I immediately began to question this as that's not what we had applied for. She began talking over me and said that I would have to speak to XXXX the manager. I spoke with XXXX today XX/XX/19 and he openly admitted to the confusing terminology of our " car loan ''. While I continued to push I said that I wanted the loans split as they were supposed to have been. He kept trying to give me different scenarios about car loans and I had to keep reminding him that it was not my loan and I had applied for a car loan and not an additional personal loan.
04/29/2019	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	GA 31705	Web	Servicemember
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 XXXX : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed One Main put several credit inquiries on credit report that I find to be problematic. I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. I wanted to file this as well and make sure this gets done. I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
04/04/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MT 593XX	Web
on XX/XX/XXXX. i was reviewing my credit rating ( XXXX ) on XXXX XXXX.i saw the add for loans at reasonable rates. i can not remember if i applied on line or by phone. i received a loan packet 3 days later, with loan documents that were routine, asking personal info, and loan amount requested. i faxed the app to a office in indiana. they returned questions to me over about 7 days, and after i faxed the completed questions to indiana i was told by a phone call i was approved, but had to speak to a loan officer. i spoke to the loan officer, and he told me i was approved for {$3800.00} and not {$5500.00}. he also told me i would pay payments of {$170.00} per month, and the months were not discussed, and the interest would be 25 %, is what i heard, but over the phone, was not the rate! it was 35 %, of which i would find out later and would have refused! also the loan officer asked if i would do auto payments, to which i said ok. the money was deposited in my account on XX/XX/XXXX.since that date i have requested the loan papers, and later found out the interest rate at 35 %, and since then i have call one main, and spoke to many people for help. i have been told that they will not change the rate, but was told to pay off the loan to fix the issue, among many other suggestions. i did receive the loan papers after many calls to them on XX/XX/XXXX,1 1/2 months after the loan was given. i have a problem with the disclosure of the loan! they were not upfront with the info of the loan, and didnt want me to have it! because i was persistent, i finally receive the documents! i have no issue with paying back the money, but the interest is almost as much as the loan! this to me is predatory, and not fair. thank you XXXX XXXX
03/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
ONEMAIN is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with ONEMAIN. I have never received any correspondence from ONEMAIN stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with ONEMAIN for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that ONEMAIN owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. ONEMAIN refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. ONEMAIN is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure ONEMAIN understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. ONEMAIN even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in ONEMAIN 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
02/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 76017	Web
We have a loan with One Main Financial that is partially secured by a vehicle that we own. Recently, we experienced a bit of financial hardship and fell about a month behind. We received several calls and a few letters from the creditor. I finally spoke to XXXX at the OMF branch that is closest to us and scheduled an appointment to refinance the loan. She said she 'd call me before the appointment to confirm but she never called. The following week someone from the company contacted my brother, a reference listed on our loan, and told him that they were going to repossess the vehicle if I did not pay on the account. We scheduled another meeting with XXXX and went in to discuss the loan and what happened regarding the contact with my brother. She said that they determined that the person who made this call was terminated as they found that she had done several other things that were not permitted. At this point, XXXX said that they could remove our vehicle from the loan as collateral and refinance the loan without it. We told her that we wanted to confer with an attorney regarding our rights surrounding the violation of the FDCPA. The attorney suggested that we go ahead and refinance the loan with OMF since they were willing to remove the vehicle as collateral. I contactded XXXX again to advise of the findings from our meeting with the attorney and she advised me that they would not be removing the vehicle from the loan and could only refinance the loan with the vehicle still listed as collateral. I have a recording of our full discussion where XXXX said they would remove the vehicle as collateral as well as the conversation about the employee who was terminated for the violations that were discovered.
04/06/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	PA 17603	Web
For the first time since the age of XXXX, I have found myself without a job. As I am now in the middle of a wrongful termination suit that has gained the attention of many LGBT organizations, I am doing my best to maintain my bills and keep a roof over my head. I have remained communicative with One Main Financial regarding the status of my fianancial situation and they have been more than accomodating. However, today, I received a threatening phone call from the gentleman that originally set me up with my loan. He got extremely defensive and LOUD!!!! To the point he was yelling and would not allow me to state my case. I told him that I am currently without income and have XXXX cents to my name. At this point, he stated, " do you not remember the contract? Whaty are you going to do? You said you would make a payment every 30 days? What are you going to do? '' I told him that I have no clue what I am going to do as I am personally at a loss at this point. He stated that he will just continue to call me every single day until I make a payment. '' I stated that I will file a claim for harassment if he wants to continue with the threatening tone and continually berate me to the point I am feeling scared for my safety because he has my address. He then states that I need to get up and get a job and take care of my business like someone responsible. He told me that I can file a claim against him for harassment, but I can't do anything because I signed a contract. At the point of tears I did say " well listen sweet heart! '' This really set him off. He starts yelling even louder to the point he finally just hangs up on me. I am still shaken by this conversation and feel thereatened and afraid for my safety.
04/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	OH 43551	Web
My wife, XXXX XXXX and I were married on XXXX / XXXX / XXXX . On XXXX / XXXX / XXXX we became legally separated. During the period of our marriage we obtained a joint loan wit h One Main Financial. ( At the time they were known as XXXX XXXX ) On XXXX / XXXX / XXXX a Consent Judgement Entry was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for XXXX XXXX 's role on this account wi th One Main. Once I attempt ed to pay the account off, her signature was found to be required, because XXXX never signed the account over to me in sole ownership. A motion to show cause was filed, and XXXX was found in contempt of court, and is now the sole owner of the One Main Account. One Main continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through XXXX XXXX as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages fro m One Main Fi nancial which they can bill to XXXX XXXX 's attorney XXXX XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
04/26/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AZ 85379	Web
I applied for a personal loan through One Main Financial s ince it was recommended via XXXX XXXX with " good approval odds '' and their website advertised pre-approval without a hit to your credit. First lie was that it is not a soft inquiry. I was hit with a hard inquiry and several points off my credit. Second of all, they said I was approved. When I called to proceed with the loan, the rep asked me for a title to my car. To my understanding, I did not apply for a title loan and this is not a title loan company, or so I thought. I told her I did n't have a title and I thought this was a legit bank, not a title loan company. She responded by saying " ok, have a good day '' when she quickly realized she was n't going to make a sale. So I began to ask her about their qualifications and what they 're looking for, because my credit is n't that bad. I was just approved a few months ago for a XXXX credit card through XXXX XXXX . She lied again and said she did n't see that credit card on my report. She would not answer my questions and I told her I felt scammed. They 're looking for people with titles, because anyone with better credit than I have would not be stupid enough to apply for a sub prime loan with 35 % interest. I told her I wanted them to remove the inquiry from my credit because I applied with the understanding tha t 1 ) it was not a title loan, 2 ) that I had good approval odds, and 3 ) it would be a soft inquiry on my credit. She told me she would transfer me to a manager but then came back and said he was gone for the day - another lie, because I called back a few minutes later and asked for a manager and they put me on hold to go get him.
09/19/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 388XX	Web
Creditor Onemain and or Onemain Financial keeps ongoing reporting on accounts included in Chapter XXXX Bankruptcy well after notice of CHAPTER XXXX BANKRUPTCY XXXX/XXXX/XXXX. They are adding fake accounts, altering account numbers, altering accout dates, reporting accounts late when they are not, altering payment history and reporting innaccurate, false, and erroneous account information as far as XXXX XXXX well past Bankruptcy notice date XXXX/XXXX/XXXX. I have had a couple of disputes with this company, so I sent them a letter to there credit file listed addresses within 30 days XXXX/XXXX/XXXX Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, IN XXXX and Onemain Financial and or Onemain XXXX XXXX XXXX XXXX, TX XXXX notifying them to correct all innaccurate, false, erroneous information contained within all my Credit files ( XXXX XXXX XXXX XXXX ) creditor has failed to fully comply. After notification XXXX/XXXX/XXXX the creditor ONEMAIN and or ONEMAIN FINANCIAL blantantly preceded to add multiple late payments about 12 to my XXXX profile up to XXXX XXXX, which are all false, erroneous, and inaccurate and need to be removed immediately they are well outside of Notice of Chapter XXXX XXXX/XXXX/XXXX. Creditor also changed contact address on XXXX file to Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, MD XXXX and has received a resubmission only of prior dispute at this newly added contact address sent XXXX/XXXX/XXXX and been informed they failed to correct all innaccurate, false, and erroneous Information from my ( XXXX XXXX XXXX XXXX ) credit files within 30 days. For further Information please refer to my CFPB complaint which will be uploaded with this complaint.
09/12/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27529	Web	Older American
In response to a loan offer that came in the mail from OneMain Financial in late XXXX of 2019 my wife responded with a request for an additional {$6000.00} added to our existing loan of {$2600.00} in order to help us through the summer. On XX/XX/2019 my wife contacted Ms. XXXX XXXX, Sr. Personal Loan Specialist from OneMain Financial, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. On the phone Ms. XXXX discusses with my wife providing us a new loan on our car that would fold in the present loan we have and provide us with a better interest rate. This option was attractive to us because my wife is a XXXX and does not get paid over the summer vacation. The money would be used to help us make it through the summer and pay down some outstanding debts. My wife an I met with XXXX XXXX on XX/XX/2019 to discuss this option and sign the new loan papers. At know time during our meeting were we informed by Ms. XXXX that our existing loan of {$2600.00} would not be folded into the new loan request. We only became aware that the old loan was outstanding when we received a bill on XX/XX/2019 for {$480.00}. At present we have two outstanding loans with OneMain Financial, the new loan with a balance of {$17000.00} and monthly payments of {$480.00} and the original old loan with a balance of XXXX and monthly payments of {$350.00}. This was not our understanding of the facts of the loan we discussed with Ms. XXXX. We feel very strongly that Ms. XXXX " flipped '' us into a situation that is totally unsustainable. These two accounts will put us under extreme hardships unless we are able to get some relief. The contact information for XXXX XXXX is XXXX or XXXX.
03/30/2018	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	LA XXXXX	Web	Servicemember
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, 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 because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, LA XXXX Email : XXXX XXXX
11/20/2019	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	IL 60443	Web	Servicemember
As I stated I have attempted to get in touch with XXXX a numerous times, and it seems like all of those attempts to even try to open up a case were ignored. They never followed up according to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.
06/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL XXXXX	Web
Springleaf merged with One Main. One Main, Springleaf and XXXX have been and are reporting inaccurate information on my credit report. One Main, Springleaf and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main, Springleaf and XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all XXXX One Main and Springleaf asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX One Main and Springleaf of their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main nor Springleaf have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail sent to ONEMAIN onXX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date : XX/XX/XXXX
03/30/2018	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	LA XXXXX	Web	Servicemember
I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, 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 because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
03/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
05/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 71201	Web
In XXXX XXXX, I started my own business. While starting the business I kept OneMain Financial informed of what I'm doing. XXXX XXXX, office mgr. in XXXX XXXX, La. XXXX, congratulated me and the payments continued. Unfortunately in XXXX, my business start experiencing financial trouble. That's when the calls started. I sent XXXX an email explaining my financial status and told that I will not decide between paying my rent and making a loan payment. After sending that email, the calls became constant. It don't make sense to call 4-5 times a day. I also start receiving calls from their office in XXXX, La. That office address is not on any of my loan documents and they should not have any right to call me. On XX/XX/XXXX, I got tired of being harassed about this loan. I gave them the collateral, XXXX XXXX XXXX XXXX, and parked it at there office. I also included a letter detailing the calls and informed them not to call my home and cell phones. I also included they're not to mail anything to my home. I only want notifications by email ( paper trail ). After giving them the XXXX, I didn't receive not a single email from XXXX. On XX/XX/XXXX, I received a late payment notification from several credit reporting agencies ( XXXX XXXX, XXXX XXXX, XXXX etc ). When I checked my account, it shows that OneMain filed a late charge against me. I consider this retaliation for giving them the collateral instead of making payments. The account is still open on their website. Also, this account have insurance on it for this very reason and it have not been filed. Once filed, the insurance should pay off the debt. Instead of being harassed and retaliated against.
11/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 22630	Web
I have a loan with One Main Financial, which I will never do again. When I paid in XX/XX/2016, the amount due said {$200.00}. This is a cause I overpaid in XXXX so my payment due was less than the regular amount. That payment cleared but within a week my account showed a past due amount of almost {$600.00}. I have asked repeatedly for something to be sent in writing explaining this drastic shift. I have received nothing. Suddenly my account shows a returned payment from XX/XX/2016, two months prior. This makes no sense. Further, I have told One Main to cease all calls to my work, as I am not permitted to have them call my work number, and they continue to call. I will receive a call and voicemail on my work number and, within minutes, a call and voicemail to my mobile. Why they keep calling my work number when they have been told to cease, I can not say, but there was a time that they would ONLY call my work number and not my mobile. They have also called my employer 's main number, a number they were NEVER provided, instead of calling my direct line. Since last telling them to cease calling my work number, which was approximately two weeks ago, or less, I have received no less than seventeen to twenty calls and voicemails to my work number. This is not the only time I 've told them to stop contacting my work number, but they are rapidly nearing the end of my rope. I feel that their loans are predatory and that they are now harassing me with their incessant calls, ignoring the information that I have asked be sent to my mailing address, and calling a number that I have told them to STOP calling daily, including Saturdays. This needs to stop.
06/21/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 93063	Web
One Main Financial contacted my husband 's cell phone advising that they were trying to reach me for an important business matter. My husband, who when I signed my loan documents was only my boyfriend, is not associated with the loan or account at all. When I provided his phone number, it was under the pretense that he was a reference to validate the information I provided in order to obtain the loan. One Main Financial has called my cellphone 3 times a day, every day, leaving 1-2 voicemails a day to collect on a debt which is in direct violation of TCPA. They do not have permission to call my cell phone, or any known contact 's cell phone, to collect on a debt. They are falsely stating that they are calling my references in order to obtain a valid mailing address for me. I currently have my mail forwarded to my new house, so it is false that they do not have a valid address. They are in violation of FDCPA by calling me numerous times a day and leaving a voicemail each time. I have blocked their phone numbers ( four different ones ) and they now call blocking their number so that they can still get through to leave a voicemail. I would like to report them for their abusive tacticts, calling unauthorized parties about me, and for calling cell phone numbers without written consent. I verbally advised One Main Financial on XXXX XXXX, XXXX at XXXX that they do not have authorization to call mine or my husband 's cell phone and advised them of their regulatory violations. The woman raised her voice, spoke over me, and advised they will continue to call any number I provided including my references, regardless of the number being a cell phone.
03/30/2018	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	LA XXXXX	Web	Servicemember
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, 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. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
03/30/2018	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	LA XXXXX	Web	Servicemember
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, 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. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	OR 97305	Web
XXXX the branch manager from one main financial in XXXX Oregon spoke to me and belittle about the debt I owe to them. I try to talk to him and negotiate a payment where I can afford it but all he kept saying in a very rude mean tone of voice was " you think {$50.00} is good enough a month for a {$9500.00} debt ''. Then he kept saying if I do not pay the minimum payment he threaten to garnish my wages. His exact words again in a very mean rude tone of voice he said to me " do I want XXXX % garnish from my gross wages or would I rather pay {$260.00} or however much it was. XXXX at that branch is so rude. I work with the public and there is no such way I would ever talk to the public that way or make them feel bad. Not only XXXX was flat out rude. But he does not have the public skills to deal with the public and he made me feel bad every time I talked to him. He has called me every week and I do not like talking to him at all because of how he treat me and made me feel. He makes you feel bad for borrowing a loan from the company but yet he acts like it is his own money. I have dealt with a few financial agencies and by far XXXX from one main financial is the worse debt XXXX. The way XXXX talk to me and the way he treated me is not acceptable.. Yes I know I owe I debt but I feel he does not have the right to be very rude and talk down at me. He refused to work with me on making a payment where I can afford. Yet he offer to run my credit to see if I can refinance a loan and it was pointless. One main financial offers to refinance my current loan when they know very well I would be denied. They do not try to work with you.
06/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55369	Web
Dear CFPB I asked your department to take action On XXXX credit reporting agency for Fradudelent activy on One 's credit report. OneMain account XXXX has been closed Since XX/XX/XXXX But XXXX went into my credit file and changed Information on this account and made it as a charge off account. I just find this to be so hard and disturbing knowing that a credit reporting agency could do something like this. the FCRA is for fair credit reporting but this act of fraud that XXXX is committing is unexceptable this is a act of Forgery and something needs to be done about this I caught them red handed for these people are making billions of dollars selling consumer 's information CFPB see File for factual Proof that this tradeline was Tampered with because XXXX acted in a Hurry if you take Note they acted so quickly they forgot to add the payment calendar in Most Fraud situation someone always leave a paper Trail and that exactly what XXXX did. I added OneMain to this as well But I know they had Nothing to do with this! due to the fact the other two agencies this account is reporting correctly.But i do want Onemain to let me know the status of this account XXXX is reporting as a charge off. It's XXXX Doing I know this for a fact. Onemain I would asked of you to please go in and delete this erroneous account information on XXXX report XXXX has no credibility and or No trust from me! Obemain please let myself and CFPB KNOW HOW THIS ACCOUNT SHOULD BE REPORTING I KNOW IT WAS CLOSED IN XXXX not sure how in the XXXX this account came into Play now it's XXXX Again this is Not Onemains Fault what so ever! XXXX XXXX
10/26/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27284	Web
One main was disputed by all credit bureaus in the month of XXXX. A letter of debt validation was never received in response to any of the disputes. The account was removed from XXXX report ( I have provided the screen shot displaying this information ) but came back verified on XXXX ( I am also attaching the documentation from Experian showing verified status as of XX/XX/XXXX. On XX/XX/XXXX the company One main reached out to me in the form of a letter ( attaching a copy of that as well ) not to provide documentation or any contractual agreements for this alleged debt but a letter willing to reduce the debt amount significantly up to 90 % in hopes that I would contact them and settle and I did not. The letter stated this was the 'Final Opportunity '' and that I had to respond before XX/XX/XXXX. On today XX/XX/XXXX my XXXX credit score took a 96 point decrease which is detrimental making it very difficult almost impossible to acquire credit especially when you were looking to buy a house in the next couple of months due the account jumping from a closed status to open without my knowledge or any documentation in writing saying an account that has been closed since XX/XX/XXXXis now open and not only open but has a missed payment causing my payment history to decrease from 100 % to 96 % and my credit age history to drop because it is now factoring this account. I have attached screenshots for all this information. I need this information reviewed and corrected and removed immediately. I am beyond upset and frustrated the amount of ways and things a company go about affecting a consumer 's everyday life.
02/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA XXXXX	Web	Servicemember
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed iloan of our finicial hardship. We ask iloan to work with us and informed iloan of our goal to avoid XXXX XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need iloan to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. I also let XXXX know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. iloan has also threatened to sue me and refused to work with me. I have not recieved a default letter by mail nor e-mail iloan refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. iloan is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX XXXX by lowering my interestrate and montly payments. I feel taken advantage of by iloan I feel iloan took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. I will add I was never sent a default letter my email nor by mail, iloan is forcing me into XXXX XXXX bankruptcy by refusing work out a repayment plan.
04/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WI 53188	Web
I went in to get a loan from spring leaf financial and the representative went over the benefits and features of the payment protection and life insurance. Quoted me a payment with it automatically added. I then declined to take the " optional insurance product '' She then continued to try to sell me the product even after I had declined and said I was not interested. She insisted that she needed to continue telling me the benefits and features in case I wanted to change my mind. They then told me how my rate was going to increase because I did not take the insurance so it put my loan just under XXXX. I then asked them can we increase the loan to the amount they were going to do with the additional insurance on there to get the lower rate and the woman said no. she said we would only allow that loan amount if you were going to take our additional insurance product otherwise we will not increase your loan to that amount if you are electing now to take it. She also then indicated that because I chose not to take it which would have increased the amount and reduced the rate that I would be subject to the higher interest rate. I tried to speak with the woman to say that this seems very deceptive and she said that it was how they did things and that it was an optional insurance product. To me it does n't seem right that they are willing to increase a loan amount if I buy their insurance but not if I do n't and that they are going to raise my rate if I do n't take it by changing the approved amount. Also they kept pressuring me to take the insurance after I had already indicated I did not want it.
06/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL XXXXX	Web
Springleaf merged with One Main. One Main and XXXX have been and are reporting inaccurate information on my credit report. One Main and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main and XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both XXXX and One Main asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX and One Main of their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail sent to ONEMAIN on XX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date XX/XX/XXXX
08/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30094	Web
Please be advised on XX/XX/XXXX2016 I sent Springleaf information Pursuant to XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Springleaf! Springleaf has not provided any documentation as outlined in XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( XXXX ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( XXXX ), the person that provided the information in dispute to a consumer reporting agency shall -- ( XXXX ) conduct an investigation with respect to the disputed information ; XXXX XXXX XXXX review all relevant information provided by the consumer with the notice ; XXXX XXXX XXXX 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 XXXX ( XXXX ) ( XXXX ) 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 ( XXXX ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( XXXX ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( XXXX ) modify that item of information ; XXXX XXXX XXXX delete that item of information ; or XXXX XXXX XXXX permanently block the reporting of that item of information
07/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89156	Web	Servicemember
I took out a loan with OneMain Financial for {$7000.00} dollars on XX/XX/2018 My statement dates were the XX/XX/XXXX of each month with a payment of {$270.00} due on or before the XX/XX/XXXX of each month. On XX/XX/2018 I received my first statement online and I made my first payment of {$270.00} online XX/XX/2018. The payment breaks down as follows Amount {$270.00}, Interest {$200.00}, Principal {$64.00}, Balance {$6900.00} On XX/XX/2018 I received my second statement and made online payment of {$270.00} on XX/XX/XXXX Amount {$270.00}, interest XXXX, Principal {$60.00}, Balance {$6800.00} On XX/XX/XXXX I received my third statement with a balance of {$6800.00}. On XX/XX/2018 I paid {$6800.00}. To my dismay when I checked my online account I show a Last Statement Balance of {$170.00}? My last statement was XX/XX/2018 and it did not show this? On their website it specifically states that this is an interest bearing loan with the following statement. The balance shown represents the principal balance upon which interest accrues. The balance does not include any past due charges, such as late charges, because interest does not accrue on those charges. Any payoff occurring after the statement date will include the balance, the loans cumulative past due charges, all fees added to the balance after the statement date, and all interest accrued on the balance after the statement date. I paid off four other creditors on the same date and this is the only company that added additional interest when I paid balance in full? What Am I missing other than they trying to rip me off?
06/19/2016	Yes	Credit card	Delinquent account	PA 190XX	Web
I was never late in paying my SpringLeaf credit card account. The account has autopay set up through springleaf and that has been the mode of payment for years. I have n't even used my credit card/ credit line for years, all I have done was pay it off. Springleaf purchased my account off beneficial and continued to get payment through autopay. I do n't know how they can justify destroying my credit over {$20.00}. Springleaf charged me a yearly fee of {$20.00} which I did n't even know about and then compounded late fees on top of it and reported me to the credit bureau. Autopay/ Directpay should have kicked in and I should n't have been late. Springleaf made no attempts to even prompt me that something was wrong. They sent a statement and that was all they did. Other creditors call or send email to make sure their customer is aware of a problem with their account. It is called good faith and Springleaf operated without a conscience. Because I assumed I owed nothing and if I did autopay would kick in, I did not know about any late payment until I pulled my credit in XXXX 2016. My credit score has dropped at least XXXX points because of {$20.00}! When I called springleaf they tried to force me to pay over {$70.00}. I refused to pay a fee I do n't agree with. I told Springleaf I did not want their credit anymore but they insisted I owed them. That card has been dormant for over 2 years. Their behavior is not in good faith and I dispute the charges, late fees and the late report to the credit bureau. Please investigate and remove the negative information off my credit report.
08/05/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NH 03038	Web
I took out a personal loan through Onemain financial. After going down to the office and reviewing the terms of decided to hold off on taking out the loan. The hold up was the fact that I just started a new job a couple months prior. The paperwork I signed clearly showed i was n't at that job more than a couple months. The sales agent sold me on a unemployment insurance policy. The policy was supposed to pay if I lost my job for reasons out of my control. 8 months later I lost my job but received unemployment from the state. Unemployment sent me paperwork proving I lost my job for reasons that qualify under the insurance policy but the insurance was rejected due to not being at my job long enough prior to taking out the loan. Turns out I needed to be employed by my then current employer for 1 year prior to taking out the insurance. The sales agent never made me aware of this and the proof is he sold me the insurance. Onemain was quick to blame me for thinking I was covered by the insurance i paid for but has refused any option to fix the situation. They started calling me with highly aggressive collection tactics. Calling and hanging on the machine but then calling right back and leaving 4-5 messages a week even multiple on the same day. This started after the insurance company made it 's decision then OneMain quickly sold the debt. After a quick search online I 'm seeing other stories of sales staff not being honest with consumers and illegal collection tactics. I have all voicemails saved and pictures of the caller ID showing they just kept the phone ringing.
11/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91601	Web
In XX/XX/2018, I submitted preliminary personal information to ONE MAIN FINANCIAL ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the ONE MAIN FINANCIAL website notes that the initial inquiry would not affect my credit score. However, the inquiry did in fact result in a " hard pull '' on my XXXX credit report, a mark that will remain on my report for two years. I did not authorize such a pull. I filed a complaint and spoke with a representative at ONE MAIN FINANCIAL. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my XXXX report. She stated that the bank 's tech team had determined that, having visited the ONE MAIN FINANCIAL site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the ONE MAIN FINANCIAL main website page ( at a different, earlier time ). At no point did ONE MAIN FINANCIAL note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the ONE MAIN FINANCIAL representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.
06/15/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32137	Web
I obtained a personal consolidation loan to pay off three high interest credit cards. They issued three checks made out to the card companies and I sent each of them out overnight mail. One of the checks the card company ( XXXX ) says they have n't received. I was issues a credit in the amount of {$1700.00} the amount of the check because the company was uncertain if the payment was received. A few weeks later the card company said that they had not received the payment. On XX/XX/XXXX I contacted XXXX at One Main Financial in XXXX XXXX to find out if they could make certain the check was cashed. The said yes that the check was cashed on XX/XX/XXXX. I have been back and forth with both companies over the past 3 months to find out if the check was received and cashed. The credit card company told me on XX/XX/XXXX that the payment had been received and was cashed and I proceeded to use the card for both my sins birthday {$410.00} and a down payment on a car {$500.00}. I just received a statement from the card company saying that in fact they had not received the check and my card balance is {$1300.00} over the limit. I am paying the loan to One Main Financial and interest and late fees on the card balance and have been unable to obtain a copy of the cashed check from One Main for the past three months and they repeatedly tell me that they have requested it and they will forward it to me when they can. I phoned their main customer service office today XXXX XXXX, 2017 and was told the same thing, they will forward it when they can. I do n't know what else to do.
03/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 295XX	Web	Servicemember
I have bee making my payments I usually always pay over the regular contracted amount I always call my payment in over the phone and speak with XXXX of the XXXX girls that work there and by paying over the contracted amount they always tell me you are paid ahead and do n't have to make a payment next month so when I called this month because I could n't remember the due date I was told I was due more than my regular contracted payment and I asked how can that be when I always pay over the contracted amount and you guys always tell me I 'm paid ahead and do n't have to make a payment next month XXXX just told me I have n't paid enough and I did n't understand what she was saying so I called back to speak with the manager but she was out so a guy that was helping out in the office for the day explain to me even if you are paid ahead you still have to make a payment ever month or late charges will be charged also interest will be charge and I asked him why was n't this explained to me at the closing of the loan and why every month when I call in to make a payment they tell me I 'm not even due a full payment and paid ahead when all along they just did this so they could charge me extra the gentlemen then told me they should have disclosed that to you I asked to speak with XXXX again and I asked her if she would mail me a copy of my payment history and she said she could not I asked if there is anyone else I could talk to and she said she would ask her supervisor she called me back and said her supervisor said she could not mail me a copy of my payment history
02/11/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30064	Web	Servicemember
I contacted the lender ( One Main Financial ) to refinance my high interest rate loan ( 33 % ). I have never been late on this or any loan/debt in over 24 months. I told them my credit score had increased from the low XXXX 's since origination in 2014 to XXXX today. I was advised that would allow me to get a better rate but they would have to make a hard inquiry to verify. I told then hard inquiries negatively impact credit ratings and I did n't want to go forward if there was no opportunity for a rate reduction. I was advised that the rate reduction was possible due to my score but they had to see the report. Once the report was pulled I was told no rate reduction would be offered even with a score of nearly XXXX. I was only then when I was told decisions are not score based but other undisclosed factors determine the rate. I was told to get their lowest advertised rate of 14 % my score would have to be nearly XXXX. When I asked why my score of nearly XXXX did n't get me a lower rate I was then told by another associate that the main reason for not getting a lower rate was utilization on XXXX credit card was near the limit and over XXXX % on another, I was not a homeowner and I had XXXX inquiries listed. I was told my score had nothing to do with getting a lower rate. This is a deceptive practice and harms the consumer trying to refinance their loans. The lender caused me to negatively impact my credit rating with a hard inquiry when my credit score had no bearing on their decision even though I was lead to believe so prior to authorizing the inquiry.
09/15/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NC 28112	Web
I purchased a home in XX/XX/XXXX with a cash purchase with a settlement from a accident. I lost my husband and XXXX. In about XX/XX/XXXX I got a loan from America General for about XXXX and it grew to XXXX 7 years. Not sure how the loan grew because I was under Doctors care and taking strong pain medication. Made payments on time but never saw the debt reducing. Then I lost my sister who was helping me pay bills and in and out of the hospital myself for months at a time. So I got my niece involved and starting asking for documents to show how the loan grew once it was brought by Springleaf Financial. We was told that all paperwork was in the archives and no one never got back to us after being told they would collect the information. Then months later debt was brought by another company, then another company which now XXXX XXXX XXXX has it, since XX/XX/XXXX. Now I 'm dealing with trying to keep my home from Foreclosure for the amount of XXXX. I really do n't clearly understand how the loan grew to be so large, not sure if the medication caused me not to remember, but I do n't recall borrowing up to XXXX.At the time I was n't sure of what kind of loan I had. Then Springleaf never got the requested paperwork that I ask the branch manager to get for me. I do recall going back a couple of times for small loans never no more than XXXX at a time. But I 'm not absolutely sure that I borrowed up to XXXX. And all the years Ive paid on it, it never decreased. I 'm on a fixed income receiving my XXXX and my late husband '' s. I get a total of XXXX a month.
04/08/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	MO 630XX	Web
In XX/XX/XXXX, I got a loan from one main fiancial for XXXX. I had been current on this loan till XX/XX/XXXX were my wife took ill and I had too take over all our bills. The balance was just over {$1900.00} when I stopped paying the bill. One main financial had stopped contacting me about the loan. Until late XX/XX/XXXX, to where I was informed by XXXX XXXX XXXX, a collections agency that they are representing one main financial and that they were attempting to collect over 3300.00 dollars on behalf of one main financial. They had got a court date and was pursuing too attempt to collect this amount. I contacted a lawyer that specialized in these situations. He told me I didnt have to go too court that he would handle it, which I wasnt able to attend anyway because of work. I assumed he would fight for the previous amount mentioned and that I owed. He said they wouldnt move from that price so we agreed that if I made a payment bye XX/XX/XXXX the judgement order wouldnt be enforced long as I stayed concurrent. Ive been current on such loan. On XX/XX/XXXX they one main financial reported to the credit bureau that I was late on loan. If this would have been discussed in renegotiating the loan ( meaning that they would still be reporting me as late to credit bureaus ) I would not have agreed to any terms with one main financial are there lawyers XXXX XXXX XXXX. They are deceiving the consumer allowing them to think that the loan has been put back in gud standings and it would be that way as long as youre current on said loan.
04/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	TX 79424	Web
Their daily interest system is not correct and they are taking more money on interest then they should. This has been going on for more than 4 months. My annual interest rate is 28.75 % my loan amount on my last statement was {$4500.00}. My daily interest is {$3.00} ( fluctuate depending on principal balance ). I pay daily with all my loans, I pay interest plus extra to go towards the principal, ( this pays the loan off faster ( car loan was paid off 5 months early ). OneMain Financial swap the amounts. Instead they take the large amount and put towards the interest and put the daily interest towards my principal. ex. XX/XX/XXXX I paid them {$20.00} they put {$17.00} to the interest and {$2.00} to the principal, XX/XX/XXXX I paid them {$14.00} they put {$10.00} to the interest and {$3.00} to the principal, XX/XX/XXXX I paid them {$14.00} they put {$10.00} to the interest and {$3.00} to the principal. I called them on XX/XX/XXXX and my call went up to the supervisor, when she finally understood the break down going off of their daily interest formula ( Principal Balance X ( Annual Interest Rate* / Year Count** ) X Number of Days Since Last Payment ( https : //www.onemainfinancial.com/XXXX ), she told me that she will take this to the financial heads and they will get back to me in two days. I never heard back. I called plenty of time before the XX/XX/XXXX and was put on the run around. This is over {$100.00} a month that should have been going towards my principal and my principal should be lower than what it is now.
03/01/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	VA 22204	Web
Citi settlement agreement in the amount of {$3400.00}. CitiFinancial withdraw from my XXXX checking acct of {$3000.00} on XXXX/XXXX/XXXX with the understanding that Citi would withdraw {$160.00} for 3 months to pay remaining balance of XXXX. They withdrew the first payment of {$160.00} from my XXXX acct on XXXX/XXXX/XXXX. I received a refund check from Citi on XXXX/XXXX/XXXX stating in the memo that the acct was paid out. XXXX XXXX contacted me from Citi in regards to this acct and I faxed her all my documents and I did n't hear from Citi financial anymore. All of a sudden I began receiving phone calls from XXXX XXXX ( OneMain Financial Collection Agent ) and I explained my case and submitted the same documents and heard nothing from OneMain. OneMain then sold the acct to another collections agency by the name of XXXX XXXX which was requesting that I pay the full amount of {$3400.00}. I submitted the same documents to XXXX ( XXXX XXXX agent on XXXX/XXXX/XXXX ). I then contacted CitiFinancial to obtain a refund of the money that was withdrawn ( {$3000.00} ) from my XXXX acct and they indicated that they had no information in their system in regards to my acct or any money paid to settle this debt. I have tried on multiple occasions to resolve this issue and everytime I submit my documents.. the acct is then sold to another agency. CitiFinancial refuse to refund the money I paid them neither acknowledge the fact that I paid the acct was paid out ( stated in the refund check from Citi Financial on XXXX/XXXX/XXXX ).
07/13/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NC 286XX	Web	Servicemember
I have a loan with Springleaf Mortgage Services Inc.At this time I am selling the property and closing was set for XXXX/XXXX/2016 the closing attorney has requested finial pay off for this loan but Springleaf has refused to give that information to the attorney.They have ask for a written and signed request from myself to be faxed to them before that information will be released that was done and faxed to them by the closing attorney they still refused to give that information their excuse is they have not received a fax so as of now it has been faxed to them 4 times.Yesterday the written form was taken to their branch office faxed from there to their corp.office and then scaned and loaded into their system while a XXXX XXXX was talking to corp. she then asked if they would fax her the pay off so this loan could be closed out But they refused to give her that info also.A supervisor from their corp office talked to me over the phone and i was advised that this takes time and it could still take several more days to be processed as of XXXX today they are still trying to say they have not received the fax and form.How can that be when it was faxed from XXXX of their offices and the man from corp. acknowledged the fax went through.So I would like to know how they can do this and keep charging interest each day and that be legal? Please help do something so i can get this taken care of and that no one else will have to got through this stress and mess.I may loss the offer to sell because the bank may drop the loan.
05/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 151XX	Web
On XXXX , my mother, XXXX XXXX , was approved for a loan with OneMain Financia XXXX . The amount of the loan was approximately {$15000.00}. My mother was XXXX XXXX XXXX at the time of application and was advised the use her vehicle to secure the loan. This was done even though at the time she was not eligible for credit life insurance due to the lender 's choice of insurance provider. My mother passed away on XXXX with no assets other than her vehicle. My family and I needed to find a buyer for the vehicle to cover funeral expenses as my mother was on a fixed income. The title is encumbered by a lien from the lender. I have had XXXX of Attorney on my mother 's banking matters since XXXX due to physical and mental health issues. We asked the lender why she was not offered insurance and were advised that they do not cover borrowers XXXX and over, which itself seems to be a discriminatory practice. The vehicle is only worth {$5500.00} per XXXX XXXX XXXX value. I have attempted to discuss the issue with the XXXX office who suggested repossession even though my family and I have not yet had time to discuss what to do with this account or the vehicle and the account is not delinquent. This appears to be an issue of predatory lending and exploitation of an elderly and vulnerable adult. We would like to ask you assistance in requesting the lender to release the lien on the vehicle so that our buyer XXXX purchase the car allowing us to cover the needed funeral expenses.
10/27/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44107	Web
Currently have a loan with OneMain and was looking to get an additional one to help with personal situation. Discussed transferring loan from XXXX XXXX to XXXX to then make the payments there. Was told in XX/XX/2019 that my payment would approximately be {$500.00}. I was told that I ONLY had three days to make a decision to move forward with the second loan for the vehicle, in reality I had thirty days. Store Manager implied that I had one payment, in reality I had two payments totaling {$800.00}. I was not in any situation to be able to make an {$800.00} a month payment based on my income and other responsibilities. I would not have moved forward with the additional loan is it was going to be that much money, I stated that to the Store Manager in which she became very aggressive with me. I did get connected with the District Manager and explain the situation. He said that he would be able to reduce the monthly payment to approximately {$200.00} and the terms would be extended, this was in XX/XX/2019. He said that I would have to cal him on XX/XX/XXXX to further discuss, then had to call him on XX/XX/XXXX to again further discuss. The District Manager said that I would not need to make the XX/XX/XXXX payment, with the newer monthly payment amount and longer terms I would not have to make the first payment until XX/XX/2019. Now, I have been constant calls stating that what he originally said, would not be able to happen and that my payment was now late, but was nice enough to waive the late fee.
04/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IA 51503	Web
I had an existing loan with One Main Financial and decided to refinance the loan. I went in to the office on XX/XX/2019 to sign the final paperwork and during that time, XXXX ( my loan officer ) mentioned to me that I would have a refund coming to me for the unused portion of my insurance that had been paid on my previous loan and that I would be receiving that in the mail. I did not receive the check in the mail so I called XXXX on XX/XX/XXXX to see if he could call the insurance company. I was worried that maybe it had been lost or stolen. He said he would call me back. He never did so the following Tuesday I called and the manager answered and said XXXX was busy. I explained what had happened and he seemed very aware of the conversation I had with XXXX. He told me things had changed and they were no longer refunding the money. I told him that was not what XXXX had said to me and the papers I had signed did not reflect this. He said he was going to check into this and call me back and never did. On XX/XX/XXXX I sent an email to " One Main Support '' and received a reply the next day which said " Your message has been forwarded to our Executive Office of Customer Care ''. I don't understand why it is so difficult to get an answer from this company. Also, if I am not entitled to this refund why did XXXX tell me I would be receiving it? And I would like them to come up with a document ( with my signature ) saying that I am not entitled to the money. I don't think that is asking too much.
05/26/2015	Yes	Consumer Loan Title loan	Can't contact lender	CA 920XX	Web	Servicemember
APPLIED FOR A PERSONAL LOAN ON XX/XX/2013. I WAS A MEMEBER OF THE XXXX. RECEIVED A CALL STATING I WAS APPROVED FOR XXXX UNSECURED LOAN. AT THE SAME TIME I HAD LENDING CLUB WHICH FOUND OUT LATER IS LIKE A MONOPOLY OF FINANCIAL INSTITITIONS ON THE WEBSITE SCAMING CONSUMERS. I WENT IN AND WHEN THEY DFOUND OUT I HAD XXXX MORE PAYMENT LEFT TO PAY OFF MY CAR SHE INCREASED THE PERSONLA LOAN TO XXXX. SHE OFFERED AS A GOOD GESTURE TO TAKE MONEY OUT OF MY LOAN ANDD SENT XXXX A CHECK SO I DID NOT HAVE TO DEAL WITH IT. AT NO TIME DID SSHE SAY SHE WAS GOING TO USE MY CAR AS COLLATERAL. I NEVER RECEIVED MY PAPERS THE DAY I SIGNED THEM. I WAS TOLD IT WAS AGAINST THE CO POLICY. I PURCHASED UNEMPLOYMENT INSURANCE BUT WAIVED LIFE INS. LATER ABOUT XXXX DAYS I NOTICED THAT THEY WERE THE LIEN HOLDER. I EMAILED XXXX TIMES. NO RESPONSE. I FILED COMPLAIN WITH XXXX, CONSUMER PROTECTION BUREAU. ALL HAVE BEEN IGNORED BY THE COMPANY. THEY CLAIMED THEY DID NOT KNOW I WAS A XXXX. WHEN I FINALLY RECEIVED PARTIAL PAPERWORK COPY OF MY MILITARY ID WAS IN THERE. ALL APPLICATIONS WERE BLANK. MY DMV PAPERWWORK WERE BLANK. IT WAS LIKE I WAS ORDERED FORMS. I AM PAYING OFF A XXXX LOAN. THE ORIGINAL WAS XXXX MY ANNUAL PERCENTAGE IS 33 %. THEY HAD THIS IN MY CREDIT REPORT UNDER A CAR LOAN WHICH ATER MONTHS OF SCREAMING THE DI CHANGE TO PERSONAL LOAN. PLEASE HELP ME OR STEER ME IN A DIRECTION SO I CAN GET JUSTICE. I AM NO LONGER TO THE MARINE BELOW. AT THE TIME I WAS LEGALLY MARIED. I AM NOW REMARRIED AND I AM ALKSO A XXXX NOW
07/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60585	Web
I used my 2006 XXXX XXXX as collateral for a loan with Springleaf now know as OneMain Financial. the initial loan with the collateral was only {$2000.00}. When subsequent loans were made, OneMain will always attach the vehicle as collateral. They kept piling loans on the worthless collateral to the tune of {$8000.00}. I have never missed a payment with Onemain Financial. The vehicle is 12 years old with XXXX miles and worth nothing. I have tried to sell the vehicle to pay down the loan but no one would buy it. One Main agreed that if someone buys it for {$2000.00}, they would release the title to them. Unfortunately the vehicle has broken down for 2 months now and there is no way Ioan sell it. The cost for fixing the problem is {$3000.00} and not worth since other problems may come up. I do not want to throw money into it so I have decided to give it out for donation. I do not have space to store it and the mechanic is also asking that we pick it up as they dont have space for storage as well. I visited my local OneMain to discuss a solution since they had agreed that something could be done. However all attempts to resolve the matter so we get the vehicle donated proved futile. I even offerred to pay {$500.00} but that was rejected. The only thing they would do was to remove the insurance off the vehicle. The fact that all other loans were forcefully put under this collateral knowing very well the value of this vehicle is predatory and causing unnecessary hardships for me
02/06/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CO 80013	Web
I recently applied for an unsecured personal loan for the purpose of paying off revolving debt and lowering the interest rate on an outstanding personal loan. I did the application online and was approved based on the information provided as well as information obtained from my credit report with an unsecured loan amount {$12000.00}. Once I got in touch with someone at the local level I was offered a secured loan of {$31000.00} against my XX/XX/2015 XXXX which on the resale market is only worth {$8000.00}. I did get an approval for an {$11000.00} unsecured loan, but after further review on my end I restructured the payoffs to put myself at a better financial advantage in the long term. However, after I restructured I was told that the unsecured loan with the better savings was not an option. During this process I referred a co-worker to the same company who was told that they do NOT do unsecured loans for more than {$7000.00}. There is something going on with this company. The amount of back and forth and miss-information that I was given is unacceptable. I myself am in the lending industry and know there are rules and company policies. But when I restructure a loan on my own with the same dollar amount that I was given originally and all I 'm changing is the payoffs with a higher monthly savings by more than {$100.00} and the underwriter says no that 's too risky, makes me feel like their intention is to make me default on my loan. All I did was change payoffs, that 's all.
07/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 389XX	Web
Or Friday XX/XX/XXXX i received a phone call from XXXX XXXX stating that i had been approved for a {$3000.00} loan. He asked me questions about my employment credit score etc. He then stated that because my credit score was low that i would have to purchase insurance so he could boost my credit score up. He then asked me to go to XXXX XXXX to purchase a gift card for the insurance. When i got there i didnt purchase it because my phone battery was low. Later that evening they contacted me and asked me was i still interested i said yes and he told me to purchase a {$200.00} gift card. I did. He then connected me with a lady and she said my money was on hold because of a state to state fee.. she then told me to go purchase another {$200.00} cardand that she would combine the other card with that one and that would cover it.. after purchasing it she said i had to get another card because the 1st card was for the insurance.. I began to get angry and asked her for a refund and stated that i didnt want it but she said no i would lose it and not get the loan. I got another card and she put me on hold. She connected me with a guy name XXXX and he then stated i had to pay {$500.00} for legal documents i finally realized to i had been ripped off and that it was a scam and asked for a refund because it was a scam and he said that they would refund my money back and he hung up the phone in my face. In all i purchased {$600.00} worth of cards.. a total of 3 {$200.00} XXXX XXXX cards
04/06/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	NC 287XX	Web	Older American, Servicemember
I had a XXXX XXXX XXXX XXXX XXXX. I got a title loan in XXXX and one main financial has loaned me through the past years up to XXXX dollars.the last rework of the loan was XXXX in XXXX. I asked how can you loan that much if the car isn't worth that much. I was told at that time that it was. Here 's my problem. On XXXX XXXX.of XXXX I was in an accident that totaled my car. My insurance pd XXXX for the car as I was not at fault. This being XXXX of XXXX one main financial will not rework the loan, although the insurance check went straight to them and they sent the title to my insurance company. I spoke to XXXX at one main financial in XXXX, nc on Friday XX/XX/XXXX. I was told I would have to make 6 regular payments before they could rework it. I have a different car now and have a XXXX dollar monthly payment. I am XXXX retired widow on XXXX raising my granddaughter since her birth in XXXX. I have a mortgage payment of XXXX on my house monthly. Because I adopted my granddaughter, she gets XXXX a month off my husband since his death in XXXX. I have utilities to pay, cell phone, internet service, and groceries and clothes and whatever she needs. I can't get any help with XXXX XXXX XXXX because I adopted her. My point being. I can not come up with an extra XXXX to repay one main financial for even 6 monthes. They denied my request to rework the remainder of my loan to a smaller payment. What happens. They have no collateral and i don't have any extra money. What can I do?
08/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	TX 78222	Web
SinceXX/XX/XXXXhave been reporting ID THEFT ALTERED PERSONAL DATA STEM INTO MY SONS IDENTITY XX/XX/XXXX, XXXX INVESTMENT mass mutual variable ASSOCIATES XXXX TEXAS TAKEN 50/50 SPLIT. FORGED XX/XX/XXXXFROM XXXX XXXX XXXX XXXX FRAUD BY SALE AND TRADE. XX/XX/XXXX XXXX XXXX XXXX XXXX BY TEXT CYBER RAPE. FCC RELEASED MY TV TO XXXX XXXX. 86 AM 16. 86. My reports and complaint began XX/XX/XXXX. My statute ended XX/XX/XXXX .XXXX constantly changing altering my info. Hard inquiries constant with out my permission. Have 4or more person using my SSN Exact matches. XXXX XXXX XXXX Aka XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX fraud add XXXX XXXX XXXX XXXX Texas. XX/XX/XXXX XXXX two. Imy registered business XXXX XXXX XXXX XXXX CA. Sector insurance. XXXX XXXX XXXX XXXX XXXX AMUSEMENT. IN MY CASE STUDY CRINES AGAIBST ME DISCOVERED ABUNDANCE ALTERED FORGED DEEDS CO.-CC RECORDING XXXX, XXXX, XXXX, XXXX XXXX CAD! /TCAD POI : Brokers. XXXX XXXX XXXX AKA. AJ. XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX.AND XXXX ( XXXX ) Poi : XXXX XXXX. Or XXXX XXXX XXXX. Co worker goodwill Ind. XXXX Discover a fake financial with my SSN personal info. To this day Credit agencies says 1free a year XXXX not access online Deception with XXXX XXXX XXXX. Paid purchase XXXX one week later started double billing. Key holder To my stock apparently extremely equity extreme of violation occurs. On XX/XX/XXXX - XX/XX/XXXX submission reports all federal state city corruption o
03/06/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98374	Web
XXXX, tow truck driver, entered my gated community after XXXX when the gates were closed on behalf of One Main Financial. Proceeded to park his truck in front of my walk way disrupting the walk pattern of residents, leaving his diesel truck running loudly between four buildings, stomps up my stairs, alarming the neighbors dog, pounds on my door with something metal, screams he is here for repo, knows where I work and is going to go tell them the repo man ask for me. Further he forces a card between the weather strip stating, " you call me or all go to your work asked for you repo ''. I feel threatened that he plans to intimidate or stalk me to my place of business. After, he stomped back down the stairs all the while saying he knows where I work. He turns his truck around, backs up to my garage and try to enter the garage, he then publishes and tapes a note to the garage door stating, " Repo, if you don't call me all go to your work and said repo asked for you XXXX XXXX XXXX '' This has greatly disturbed the peace within my household and community. I was terrified to hear this person I don't know, stomp up the stairs, pound on the door with something metal, all the while screaming about knowing where I work, then forcing something into the apartment! This has upset me and my daughters. I feel like this person is going to take additional unlawful actions and further disturb the peace. I am in fear for my safety and the safety of my kids.
05/14/2019	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	OK 731XX	Web
I filed a complaint with the CFPB, and it was closed as soon as the company responded to the complaint. The information provided by the company was incorrect, and I was never given a chance to respond. OneMain ran a hard check of my credit on XX/XX/2019 that I did not authorize. They obtained my information from XXXX, and third party personal lending consolidator that does not authorize hard checks or pass on permission to authorize a hard check to the companies it works with. I spoke with XXXX about this and have a transcript of the conversation. However, OneMain received my information and proceeded to run a hard check of my credit report. Their executive office provided desktop screenshots from their site, not that of XXXX, that they say show I authorized a hard check. I never visited their desktop site, and I submitted my information to XXXX through their mobile app only, not the desktop site. Upon examining the screenshots from OneMain, at least 30 % of the information that they say was supplied by me was incorrect, including key elements like salary, job position, etc. OneMain reported this hard check to XXXX, and it has damaged my credit score, but moreover, they violated the FCRA in running a hard check without my authorization. I would like for the CFPB to contact OneMain about this issue. The hard credit authorization is fraudulent, proven by the inaccuracy of the information they claim I submitted on their desktop website.
04/07/2016	Yes	Consumer Loan Title loan	Applied for loan/did not receive money	TX 75287	Web
To Whom It May Concern : My name is XXXX XXXX and I would like file a formal compliant of XXXX and racial discrimination against, Springleaf. I applied for a loan where I was trying to consolidate some debt and because at the time : I advised them of my race and XXXX and I did get the loan amount needed. I had to use my car, XXXX Nissan Sentra, as a form of collateral in order to get a loan of {$2000.00}. I was advised that my payments would be no more than {$180.00} but I have been charged an online charge of {$2.00} each time I have to pay online. I was never advised of this information. I was also never advised completely of the high interest charges and now I 've learned that it will take me three years to pay off the loan. Springleaf also placed me on some type of program where I would get towing and other services but never provided me the information. It was until I made contact with their corporate office in which that information was given. Their corporate office claims that the factors surrounding my credit worthiness had nothing to do with race or XXXX and yet have not been able to provide me evidence upon request. Sorry, but I paid for a first-class service, and I expect to receive it. Please contact me within ten days to arrange talks in settling these affairs. In other words, I am seeking that the loan be paid out in full and satisfied. I am also seeking mental anguish and punitive damages. Sincerely, XXXX XXXX
02/06/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PA 15210	Web
I applied for an auto loan at OneMain Financial on XX/XX/2019. I was called that the loan has been approved after reviewing all the documents sent to them. I live in XXXX and the Car that I found was in XXXX PA where the OneMain Financial is also located The bank called me that the Loan has been approved and I should come sign the documents and pick the car immediately. I told them I will come the next day. I took off at work and called the car dealer car dealer to let them know we will be coming the next morning The next Morning I started the 4hrs30 mind journey, The bank called me to ask if I am on my way already, i told them yes i am on my way with my wife and kids ( XXXX old and XXXX old ), And she said we are waiting, she said to come with my insurance card and I told her I will do. Few minutes later, after driving for 2hrs45mins, the car dealer called that he doesn't understand what the bank is saying that I have to call the bank, He said the loan is not Approved. I immediately called the bank and they told me they are sorry that the loan is not approved because of some documents I was in total shock, Not because the loan was not approved, But because they asked me to come, and I took off for the day and have my family in the car, on the road for hours. I was told sorry and I had to drive another 2hrs45mins back home My kid took ill and my car broke down on my way back. It was just a terrible day for my Family.
11/18/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 22310	Web
In late XXXX One Main Financial added ad account to my credit file for a loan of $ XXXX. I have never had any loans in this amount or any dealings with this organization or any of their subsidiaries. I sent One Main letters beginning in late XXXX to inform them the account was not obtained by me and it was removed. Then in early XXXX it was added back to my XXXX credit report. I have sent letters to One Main and to the CEO of Springleaf ( the parent company ) regarding this matter to request formal debt accordance with Fair Debt Collection Practices. All my letters have been acknowledge and received and I have been promised that the matter will be looked into and I will receive a response but have yet to receive any respose. Then, after acknowledging my letters I began receiving collection notices, during the period where all collection activity should have been stopped as I requested validation of the debt. I hired an attorney in XXXX XXXX who has also sent formal letters requesting validation in XXXX XXXX and XXXX XXXX that have gone unanswered. I have also disputed the item with the credit bureaus ( XXXX ) and it still remains. My rights as a consumer as being violated to the greatest degree and it is not only unethical but inappropriate to report false information from an account that is not mine on my credit report after being notified that the account was never opened by me multiple times by both me and my attorney.
03/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OR 97062	Web
I have a consolidation loan with One Main Financial. On XX/XX/XXXX I called and requested that my due dates are permanently moved to the XXXX of each month. I spoke with a XXXX XXXX XXXX who advised me that it would be no problem. I just needed to sign the forms via E-Signature. I did so immediately. On XX/XX/XXXX they attempted to take the money out and since I didnt have the money it did not clear and I was charged {$30.00} from my bank for insufficient funds. I called on XX/XX/XXXX to see what happened and make sure my payment was made for XXXX. The branch manager, XXXX XXXX, out of XXXX Oregon was rude, condescending and not helpful at all. He said you wouldnt refund the {$30.00} even though it was their mistake. I proceeded to agree to the one time payment of XXXX. Today, XX/XX/XXXX I noticed that I was charged XXXX twice ( 2 separate transactions ). I called and spoke with XXXX XXXX again who was even more rude this time and stated they didnt see I was charged twice. I proceeded to email screen shots of my bank statement and called right back. XXXX XXXX advised me that things happen and he would submit a reversal and says hopefully you can get your money back in the next 10 days. This is a UDAAP violation and has put me in a serious financial issues. I need my money for my rent and this company is essentially taking my money without authorization and not even saying they will get my money back to me
03/30/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35215	Web
My name is XXXX XXXX and since 2004 I have been paying {$190.00} per month on a loan amount of {$10000.00} to, XXXX XXXX, but now to Springleaf Financial. My Annual Percentage Rate ( APR ) is 15.99 %. My Account # XXXX presently only allows me to make an ACH loan repayment monthly in the amount of {$190.00} on the XXXX of each month from my XXXX XXXX XXXX XXXX XXXX XXXX checking account. Now I have been informed by Springleaf Financial that my : * Credit Limit is $ 0.00* Available Credit is {$0.00}. When I originally set up this loan, I was provided checks to write against my " Available Credit '' and make purchases accordingly. Up until Fall 2014 that was still the case. Now I am not able to write any checks or requests any monies against my " Credit Line ''. I was told by a Springleaf Representative that this was caused by my poor credit rating and my inability to make minimum payments to my other credit cards in which I have gotten behind on, by not making timely payments. My complaint is that I have made on time monthly loan repayments to Springleaf Financial over the years and that I should not be penalized by Springleaf for my inconsistent credit card payments with other companies. Also, if I do not have a credit line that I may access and I am not allowed to re-negotiate the terms of my loan, then I asking CFPB to give me some guidance and a way-forward out of this non-benificial loan for me.
01/23/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	WI 53202	Web
I apply for a loan online through a online service. which I was pre-approved for OneMain Financial said that I was eligible for the loan and the loan amount I was asking for. they pulled my credit and asked me to come into office to complete my application and sign documents at that point I asked was I approved for the loan amount that I was asking for but I was told she needed to see papers first and for me to come in I declined and canceled the loan a couple of days later after realizing I took a big hit to my credit score and was unable to refinance through other companies because of the score I decided to go back to OneMain for more questions about the big hit on my credit score and to complete the application but was told that they needed to pull credit again I said I needed to think about it a couple of days go by the lady calls me from OneMain Financial and asked me what did I decide again I told her the amount I was asking for and was it worth it for me to pull the credit again she told me that she couldn't tell me to pull it or not it was up to me so I told her how much I was asking for and she pulled the credit and told me that I was approved and to bring in some documents of proof of finances and a bank statement which I brought in to find out that I was not approved for the loan amount I was asking for and when I brought that up she just said do you want the loan for the lesser amount or not.
06/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 38134	Web
I have an account with One Main Financial. They are reporting interest that have not accrued yet on the loan monthly to all three Credit Bureaus. On my credit reports its stating I owe One Main Financial {$11000.00}. I only owe a balance of {$7400.00}. In the month ofXX/XX/XXXX, I disputed the amount they said I owe via certified mail to XXXX with my supporting documentation print out from One Main. XXXX received the information onXX/XX/XXXX. Weeks later, the correct balance was updated to the amount then that I owed which was {$7500.00}. Now this month One Main has updated it with a balance of {$11000.00} which is inaccurate. This month of XX/XX/XXXX I sent in via certified mail to XXXX along with my supporting documentation of how much I owe they received this information on XX/XX/XXXX, I called XXXX on today XX/XX/XXXX to see if my balance has been updated to the correct amount. The representative informed me it did, I then proceed to ask her what balance it was stating, she said, " it 's an update of {$11000.00} ''. I made her aware that the balance is still incorrect and informed her I even sent in supporting documentation that came from One Main saying how much I actually owe.This is an ongoing situation where they updated the correct balance when I first sent in the dispute to XXXX, now they are back to reporting an inaccurate balance to all three Credit Bureaus that I do n't currently owe.
06/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80015	Web
I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.
04/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 46530	Web
I received a loan with One Main Financial in XXXX . In XXXX I became very ill and was unable to pay on time. In XXXX of XXXX I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX . He and I made a settlement agreement for {$4100.00} to be paid on the last day of the month for 12 months via automatic withdrawal. The final payment, I requested, to be made on XXXX XXXX , XXXX . All payments were made on time, so I thought. On XXXX XXXX , at XXXX am I received a call from OneMain regarding my account. I immediately looked at my account records and noticed my XXXX XXXX payment was not taken out. I contacted XXXX XXXX , who I originally worked with. He told me, the day before my payment was to pos t, OneMain too k my account back. He did not know why and I was to cont act OneMain a nd XXXX . I spoke with XXXX XXXX on XXXX and was to fax the settlement agreement to her. I did this and the payment was taken out on XXXX . I pulled a copy of my credit report yesterday. On my report, OneMain is r eporting twice, once for the original loan and another time for the last payment. It is also reporting the last payment late, however they were the ones who cancelled the last payment. This is not right. In addition to this, they were supposed to send me documentation that this was paid in full 10 days after the final payment was made. I still have not received this.
12/27/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 90034	Web
I recently applied for a debt consolidation loan through One Main Financial, of XXXX. I provided my social security number, income details, address and rental history details, and very throughout information as to the credit card amounts and monthly payments I was looking to consolidate. The company is NOT XXXX in underwriting standards. I applied for the debt consolidation loan through their website XXXX https : //www.onemainfinancial.com/ ), then spent XXXX minutes on the phone with a woman in a call center re-confirming all the information I had input online. A local underwriter ( XXXX ) asked for income proof. I sent him my most recent federal tax return, photo ID and most recent bank statement showing paychecks being deposited. His local branch phone number is XXXX. I 'm self employed and can write off many business related expenses. This results in my tax return showing I earn far less than the paychecks I receive ( which they had on file ). They claimed they were only allowed to use the federal tax return as income proof. Called back & supervisor said the same thing. Here 's my gripe : At NO PLACE on the website, nor verbally was I told they can only accept a tax return as income proof. If I had known this up front I would not have spent an hour of my time with them, nor sent sensitive documentation. I feel I was descriminated against due to my XXXX self employed status.
04/08/2019	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	CA XXXXX	Web
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : BANK XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
06/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 223XX	Web
Hello, I don't have a complaint, but more of a concern. I would like you to investigate the credit lending practices of a company by the name of One Main financial services. The reason I have concern is because they are mainly in minority neighborhoods and are consider credit rebuilding and low credit score loan company. I applied for a personal loan after bankruptcy, ok they pride their business on putting your car up as collateral which can be fair if you have one to use. However, in my case my car is not paid off so they next alternative was a co signer. I secured a co signer, the co signer had to co sign and use their car as collateral along with a 31 % interest rate whereas we both have decent scores. I was told it was due to low scores which after checking the scores was contradictory to what we were told I would guess to add a higher interest rate. If this is what they are doing to people of color in order to grant them credit, don't seem to be common practice and actually a legal financial scam to make a lot of money. I'm requesting their lending practices be investigated in their personal loan lending 's. Thank you I hope to refinance my loan soon, and leave this company due to unfair practices of using a co signer and her car for collateral was extreme, if it had been one or another it would have been more reasonable but both and my signature was over the top.
02/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NJ 07960	Web
Repeated harassing voice mails with veiled threats. Calling and harassing references. Call from district manager saying I should get a lawyer. In XXXX 2015 I had fallen behind because I was in the hospital 8 days with XXXX. I was getting calls while I was in the hospital. I later realized that I had agreed to insurance if such a situation arose. The manager never once mentioned this to me. I fully understand I have an obligation to pay this amount. I also understand that you can work with the lender to assist in this matter. My experience last year, convinced me that One Main uses this to encourage you to call but the agenda is to try and pressure and harass you until you make an immediate payment. I assume this strong arm tactic is used by this type of lender in an attempt to reduce the percentage of loan defaults. I also suspect based on the number and the harassing nature of the calls, it must be tied to an incentive bonus. However, it does n't excuse their tactics and excuse them from the fair loan practices that they are bound by. When a district manager leaves a call saying he has your file and your employer information and suggesting you call a lawyer was the last straw. I am sure they are well schooled on what constitutes a threat but that is a matter of legal semantics. A veiled threat is not the same as a direct threat, but their protocol does violate the process
11/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web	Servicemember
On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # XXXX XXXX XXXX # XXXX. The company responded to XXXX but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC
04/24/2018	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	MD 20708	Web
This letter is your formal notice to cease your two unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Onemain Made on : XX/XX/XXXX - XX/XX/XXXX Made with : 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. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
10/15/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55369	Web
I would Like to file a complaint on XXXX XXXX XXXX at Onemainfinancial company This person or compnay is constance harassing me. They call me as much as 5 to 10 times in one day to collect Payment that IS NOT EVEN 30 DAYS PASSED DUE I made a payment on Friday XXXX to this company On Saturday XX/XX/XXXX there was a letter in the US MAIL from XXXX XXXX XXXX thanking me for my payment also enclosed in his letter was a message saying your payment is still past due. Just to be clear with XXXX My payments are due on the XXXX of each Month so Therefore you should have not sent out a message like that. Per the FCRA i HAVE 30 days to pay the balance before you can even think about reporting a late On my credit report. I was well In the 30 days deadline. ( I noticed in your letter dated on XX/XX/XXXX You states XX/XX/XXXX That is dead wrong per my contract my payments are due the XXXX of each Month. and I have until The XXXX Of the next before you can report any lates to either of the reporting agencies.. This company have called My Phone so many times in one day That I had to contact My phone carrier to block there Number from calling. Now I 'm getting letters each day from this company. I ask them to please stop contacting me via Phone or US mail or else I will take legal action and File a lawsuit. This is unreal Onemain will get your money stop with the Phone calls and mailing.
07/26/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 388XX	Web
I burrowed {$3000.00} around XXXX or XXXX of last year from Springleaf Financial in XXXX, MS XXXX. I requested a payoff twice. When I asked how much principal and interest I was paying no one could tell me about it. I called XXXX XXXX XXXX twice before anyone answered the phone. The first time I answered then I missed the second phone call. I called back and left a voicemail and he never replied back. While on phone call with XXXX XXXX I asked several times for my payoff and I asked how was it calculated. XXXX XXXX stated, " Our system is n't calculated to give us principal and interest. I asked him could he provide this information to me and get back with me. I went to pay off my loan and noticed that my principal amount left to pay was {$1100.00}. My pay off was {$2800.00}. I did not sign up for any insurance or third party sales. I was wondering why I had {$1700.00} left in interest when my paid it off 2 years early.. I do understand the Interest rate was 19.99 % but I did understand my rate. I asked several times for XXXX XXXX to provide me with an amortization schedule. He said he would get me XXXX but he would have to talk to his boss. I went to pay off my loan, and I had an ACH setup. I did call the business to cancel my ACH so that I could get this issue resolved. I want to put this behind me. It 's been almost 2 months since I requested the following information.
08/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 07840	Web
applied for a loan through XXXX XXXX to one main on XXXX XXXX 2017, received an approval for 2 types of loans. XXXX car and up to XXXX personal. Document says just need to finish up bring your check book to One Main in XXXX, NJ. I get a call on Monday asking for different information saying that was a pre-approval. The letter is not it clearly states approved. they take additional information say it needs to go to underwriting and they will get back to me by the end of the business day. 10 minutes before they close I call and they said oh it just came out sorry we cant due to a bankruptcy that was discharged 7 years ago and open judgements, Mind you I pulled my credit today and have 1 judgement that is paid in full that I am waiting for it to come off. The information they gave me today is the same nonsense they gave me back in XXXX when I applied. I have attached the first letter from XXXX showing I had to provide more information and then was denied. I have also provided the letter from the XXXX stating approved and nothing saying otherwise.it states bring your things and we will fund same day. this is bogus false advertising and i 'm being discriminated against because someone did n't do their job right today and looked at the old denial possibly. big difference in letters and they are not looking at my credit from the 3 major bureaus who only how the one judgement
06/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 62269	Web	Servicemember
I took out a Loan with XXXX XXXX in XXXX XXXX with a credit Limit of XXXX dollars. I paid faithfully until XXXX when the entire company disappeared. During the entire payment cycle with XXXX the principle somehow never went down. I paid at least a hundred a month for 4 years and they would credit it late or tack on some fee. It was horrible. I heard nothing from these thieves and without a place to pay, I just quit figuring that they would eventually tell me if I owed them. XX/XX/XXXX, I was contacted by a business called Springleaf Financial Service of XXXX IN and was told that they had been looking for me and mailing me offers to settle. This was absolutely not true. I have lived in the same house since XX/XX/XXXX and my contact information has n't changed except for my work phone number since that time. The collection person said that they had purchased the loan from XXXX. I told the collection person that I did not conduct business on my phone and had no idea who they were. I said if you believe I am the correct XXXX XXXX send me something that proves your claim. Springleaf Financial sent me a copy of the XX/XX/XXXX Loan Agreement. Nothing else! No Balance no payment history no balance? I do not know my rights and frankly I am afraid to deal at all with this company. The scariest part is that this revolving loan has a home equity attachment. Please help.
05/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 81005	Web
XXXX purchased my loan from Springleaf in XXXX 2014. XXXX states XXXX of my {$500.00} XXXX payment was kept by Springleaf XXXX XXXX also states an additional {$390.00} was billed from Springleaf for repayment of Corporate Advace. XXXX provides no proof of this and refuse to bring my account up to current status. Please review your records for these transactions. XXXX statementWe have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Our records indicate the servicing responsibilities for the mortgage loan account transferred to XXXX, effective XXXX XXXX, 2014. Enclosed for your review is a copy of our Welcome Letter, dated XXXX XXXX,2014. At the time of the transfer, the mortgage loan account was next due for the XXXX XXXX, 2014 monthly installment. The Springleaf Financial Services ( Springleaf ) transaction history reflects the receipt of {$500.00} on XXXX XXXX, 2014 ; however, at the time of transfer Springleaf forwarded the partial balance amount of {$240.00}. The funds received were not enough to complete the monthly installment amount. In reference to your concern regarding the fee of {$390.00}, please be advised this was not a fee charged to themortgage loan account by XXXX. This amount was an adjustment to the XXXX XXXX balance which transferred from Springleaf.
03/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 98012	Web
I had lost my job but have a job now. I have tried to work with One Main Financial and they are being so difficult. I need to get caught up on my payments, I need to know what my interest rate is and I need to know when this loan will mature. Nobody is able to tell me when this loan will be paid off if I keep making payment of XXXX a month which is the minimum monthly payment. They just keep telling my loan matures in 2019. What the XXXX does that even mean? Does that mean if I still owe a balance in 2019 that the loan is done being paid off and I won't have to make payment any more. I just want to know if I am behind in payments how long will it be to catch up? Once I am caught what is my interest because right now only like XXXX is going to principal. If only XXXX a month is going to principal when the XXXX will this loan be caught up, what will my interest be and when will this XXXX loan be paid off? Like I said they keep saying 2019 but won't clarify once the loan hits maturity and there is still a balance owed what happens to the amount due after maturity. I want the loan current now that I am working, I want to know why only XXXX out of the XXXX monthly payment is going to principal and I actually want to know how long it will take to get this loan payed off. No one can tell me know matter how hard I have tried to get this information.
09/27/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	KY 42303	Web	Servicemember
One Main Financial has been calling my cell phone in attempts to speak to me about past due payments. They have left several messages and call 2 to 3 times a day. They obviously have my personal information and had an old work phone number on file. I work for a XXXX XXXX and am an XXXX in the XXXX XXXX where we do not take any customer phone calls. One Main Financial called my place of employment and impersonated being a mortgagor needing to speak to me to obtain my new work number. They contacted the main branch located in XXXX, KY and spoke to XXXX XXXX, the front desk receptionist and advised that they were a XXXX names XXXX and needed to speak to me as I was handling their XXXX. She contacted me directly to see if I was expecting a direct call from a XXXX and when I advised no, she said that they hung up. They then contacted the XXXX 800 number for Customer Service and impersonated again being a XXXX and advising that I was working on their XXXX ( which I do not do ) to try and obtain my information. Someone in Customer Service did in fact give them my work number in which they started calling several times for several days. I called and left a voicemail with them and advised that they did not have permission to contact my place of employment. One Main Financial used deceitful tactics to obtain information as well as harassing me.
12/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90045	Web
Onemain Financial was formally known as Springleaf Financial. They are reporting a negative account to the three credit bureaus which is impacting me Onemain Financial was formally Springleaf Financial. I have a account on my credit report from Springleaf that is reporting inaccurate information. When I contacted Onemain Financial to inform them as well as dispute the information, I was advised by their " credit bureau reporting dept '' that my account was sold to a collection agency and they could not help me. I would like to dispute the dates reported and amounts owed. I had a perfect payment history with this company and when I lost my employment, I requested the payment protection to be applied to my account, this is an additional protection that I paid for every month. The protection payments were never applied to account which caused my account to go into default. I asked month after month when the payments will be sent in because my credit was being affected. I was told that I needed unemployment before my claim could be approve. I was going through an appeal with EDD and my claim had not been awarded yet. I paid for this protection so I 'm the event something like this happen I would be protected but at a time I really needed it I was denied. This is illegal practices, to advertise a service then charge the customer but not provide
05/09/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 086XX	Web
I was frequently solicited by mail from One Main Financial. The advertisement 's were usually offering same day loans of {$10000.00}. I would take XXXX loans from them from and pay them off immediately as the interest rates are in the are of 27-29 %. The third loan I took from the company was in 2013 and would be for {$5000.00}. I paid XXXX XXXX of the {$5000.00} immediately and this covered my monthly payments from XXXX to XXXX . In XXXX I would go a few days without phone service after my cell phone broke. My loan was not even a month past due and One Main representatives called my Mother, Uncle and my job and discussed the debt in detail with my relatives. This being a direct assault on my privacy rights as a consumer I phoned them and told them they what they had done and responded by telling me I have done this to myself. I refused to pay after this violation of my rights and personal damage done to my personal relationships and One Main is attempting to sue me for the amount past due plus {$460.00} in interest. These predatory lenders are unjust in their practices and in complete violation of The Fair Debt Collection Practices. I previously worked as a collection agent and am appalled at their tactics and would never discuss a debt to someone other than the debtor much less for a payment less than three months past due.
01/03/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WA 98087	Web
Have a loan with One Main financial ( formerly known as XXXX ) for around six -seven years, I renewed my loan on XX/XX/XXXX to get additional funds, the financed amount on the newed loan says {$8500.00}, after paying for XXXX year with a missed payment on XX/XX/XXXX and XX/XX/XXXX, they forced me to renew my loan which they call it defer, i ended up signing a new loan agreement in the amount of {$8900.00} which is higher than the orignal one ( {$8500.00} ) even after paying {$2400.00} all this money that i paid has gone out the window, did n't reduce my balance a bit, they use intimidation, such as calling multiple times a day, that i 'm behined a lot on my payments, leaving multiple messages by a person saying his is a district manager, when trying to explain the situation they are not interested to listen, all they say is pay our money, When i track back my payments, using my bank statments, i realize i was not missing a lot on my payments, but they used different tactics and harrasment to renew my loan, that put $ XXXX+ {$400.00} to put in their pocket, and me to repay all over again.i have to work hard to make {$2400.00} to pay them, they just used physcological tactics to put it in their pockets, the last intimidation i recieved from them was " if i do n't pay by the end of the month that my personal property will be garnished ''
07/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19406	Web
I have a loan with XXXX XXXX at XXXX XXXX XXXX XXXX. Pa. XXXX Their phone # is XXXX. XX/XX/XXXX I have received a message EVERYDAY on my home phone from XXXX at XXXX. His message varied about wanting to increase the loan and also stating I have not made my XX/XX/XXXX payment on time. Since I have auto pay with my bank and have never missed a payment to anyone in my life -- I basically ignore the calls. They continue. On XX/XX/XXXX I call XXXX. He says I did n't make my XX/XX/XXXX payment. I go online while he is on the phone and find the payment and and the picture of the check and stamp from XXXX. He does n't believe me-so I have to fax a copy of the cashed check to him. Then INCREDIBLY I get home and he AGAIN is on my home phone message saying that I have to now send a copy of my bank statement to show my bank took the money out of my account. I find that unbelievable but I complied. I have now sent by mail a copy of my bank statement with the check number and showing the bank cashed the check. XXXX calls ( Ihave all the messages ) -then a fax of the cashed check ( still not enough ) and finally I have to send my private bank statement to hopefully stop this harassment!!!! This co. and this employee need to be kept in check. Absolute harassment to make someone prove they paid you after I send them a copy of the check they cashed!!!
12/16/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	CO 80634	Web	Older American
I am completing this because I could not add to my existing complaint XXXX. 1. I never received the written response from One Main that was sent to your agency. 2. I did close a new loan combining the XXXX loans on XX/XX/2016. The interest rate is as it should have been all along. I was given a check for XXXX. I was told that I would receive a separate check reimbursing me for all the interest I was charged and not as promised. After closing the loan I have not been contacted. I have received only correspondence on changes to loans. 3. I believe that interest should have been deducted and that amount should have been financed. 4. What are their intentions regarding the interest. 5. I spoke to XXXX in Customer XXXX for One Main. She is the person who contacted me and facilitated the offers. She and the branch manager told me I would get a separate check for the interest in question. XXXX also mentioned I would get something for my treatment and duress. When I called her later she told me she was leaving and the only thing I would get is the interest payment. The branch manager stated that it would take time to calculate what was to be given back to me. I believe his name is XXXX. I have a document that I would like the CFPB include in my complaint. I would like fax to send in. I can not seem to attach to this document.
06/26/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60639	Web
My name is XXXX XXXX I have a personal loan with Onemain financial located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX On XX/XX/XXXX I fell behind on my account due to unexpected expenses Onemain Financial offered me a 2 month deferment. A representative of Onemain name XXXX called me asking for payment. I mentioned to her a had a 2 month payment deferment and my account was due for XX/XX/XXXX.XXXX was very rude to me treated me to take me to court if I didn't come into the office and make a payment. I told XXXX that my check was low this month and i was under the impression payment deferment was going to help me. XXXX stated talking very loud and demanding payment. Requested XXXX to please not speak to me in a disrespectful way. I also advised XXXX that before treating me Onemain was going to take me to court I have to be severely delinquent and not wanting to work with them after exhausting all the possible options to help me. XXXX then called my son who i the co-borrower and told my son my account was over 90 days past due. which is not true. XXXX also treated my son to garnish his wages. XXXX so rude and out of line she made me cried when she was screaming at me. I believe this is an abusive way to contact a customer. Specially after misleading me with a different for 2 months. I just hope this doesn't happen to another customer.
09/26/2018	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	MO 63108	Web
I was contacted by XXXX XXXX, who stated they were collecting a debt on behalf of One Main, I was advised if I successfully settled the account they would agree to remove it from my credit bureau. I set up a payment agreement with XXXX for 6 payments to settle. Upon attempting to make my fifth payment, XXXX XXXX changed to a different company and stated my account was pulled from them. I contacted One Main who stated the account was pulled, however agreed to complete the settlement, upon advising them the account was to be settled and removed from my credit bureau they advised me this was not a practice they did, and what XXXX XXXX offered they could not. I told them this was not what the original agreement was basically they are breaking the agreement. Due to already making 5 of the 6 payment to settle, I paid the account off and requested someone in their customer resolution department contact me. I received calls from the rudest people totally disregarding what XXXX XXXX offered. I requested they pull the call and review it so our original agreement could be honored. I was advised that XXXX had changed to a new company and this was not possible. I am very upset because I kept my end of the settlement and I expect them to do what XXXX XXXX promised. They agreed that XXXX XXXX was representing them so this should be honored.
02/14/2016	Yes	Credit card	Billing disputes	CT 068XX	Web
After many years with XXXX with a {$14000.00} line of credit that was paid off many times.The loan payment was dependent on the amount i borrowed, sometimes the payment was {$100.00} but as much as {$270.00}. I ran into problems in XX/XX/XXXX due to the economy. I struggled and pulled through. Although, XXXX did not and sold of my liabilities to Springleaf. I was paying Springleaf {$280.00} monthly. The principal never moved and was always at the same amount or increased. As things got better I paid on time more often. Although my loan never really was paid down. The amount i paid over time has totaled XXXX times since XX/XX/XXXX. I then paid off {$10000.00} and brought the line of credit down to a manageable {$4000.00}. I received my next bill without a change in payments. I called Springleaf and they did not have an answer although my contract states principal paydowm should be XXXX % of total. not some made up amount Springleaf wants. The line of credit should be {$130.00} per month with a {$4000.00} balance. This includes principal and interest. They made money on me and now that i am able to repay things Springleaf is trying to squeeze me. I spoke with a manager that had no idea what she was doing. I am easy going and she was polite. She still had no idea how to come up with the calculation. I hope you can help. Thank you
07/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92557	Web
On XXXX XXXX 2017 I arrived at Onemain Financial Branch located in XXXX California. I proceeded to apply for a loan and was informed I was approved for XXXX by associate XXXX and her District Manager XXXX. I was unable to stay later to complete application due to having to go to work and was informed I could go to another branch closer to me to complete application if needed. I went to XXXX XXXX California branch on XX/XX/XXXX and was informed I could not be approved. They did not ask for my most current paystub or any documentation and added inaccurate information to my application so it then showed I was not approved because my debt to income ratio was not accurate. I was extremely confused and upset because I had expected I would be getting funded. Although the original underwriter, the district manager approved my loan initially I was informed it could not be funded due to the information received by the XXXX XXXX location which was not accurate. They added payments to my application that were n't actually payments. If you approve someone initially as a company I believe you should honor that. I do n't understand the inconsistent underwriting and I think that needs to be dealt with company wide. As a previous customer who made her first payment on time and paid off loan I am also extremely disappointed in their practices.
04/19/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CO 80227	Web
On XXXX XXXX XXXX I got a non-secured personal loan with XXXX XXXX / Onemain Financial. Over the next couple of years every time I was going to be late on my payment they had me refinance my loan. The dates that I refinanced my loan is as followed XXXX , X/XX/XXXX , X/XX/XXXX that I can find at this time. They told me not to worry about it just to bring {$100.00} and they would give me a check for {$96.00} and I would n't have to pay my loan until the next month. I did not know what I was doing as a XXXX XXXX XXXX girl. I did n't realize what they were doing was predatory lending. I feel that they targeted me since I did n't not know what I was doing at the time and would refinance with them when they would call and say " you are going to be late on your payment, you can just come in a refinance your loan. '' Eventually I was unable to pay my loan completely. what started out as a {$5000.00} loan ended up as a {$7900.00} garnishment. From this garnishment I was barley able to make my bills that I had at the time with my full paycheck. Once I was garnished for this predatory loan I had to change my tax withholdings just to be able to afford to eat and gas to go to and from work. As a result of changing my tax withholdings to survive, I ended up owing on my federal taxes both in XXXX and XXXX .
12/28/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NM 87112	Web
I had obtained an installment loan with One Main Financial ( formerly known as XXXX ) approximately in XX/XX/2016. Upon default due to hardship, One Main had continuously and repeatedly contacted myself on numerous occasions after reporting my financial status to them. Fortunately, after speaking to a supervisor ( XXXX XXXX ) and informing her my status we were able to come to terms of making an reasonable solution : pay a portion of the balance. While speaking to XXXX XXXX I was able to provide all necessary banking information such as banking account number and routing number, and informing her the timeline of when the money can be debted from my checking account so that the account status can be satisfied. However, on today 's date, I had received once again an unexpected call from a representative from One Main requesting for myself to make a payment over the phone. I had even at XXXX point requested from One Main to cease and assist with phone calls due to stress and aggravation that representatives were afflicting upon me. Again, I plan to pay the amount owed on the given day the money becomes available, however, I am asking for assistance from the Federal Trade Commission to stop with unwanted calls as I am construing this as a form of harassment now. Thank you for your time into resolving this matter on my behalf.
06/18/2019	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	CA 91764	Web
XX/XX/2019, amount paid to me {$3000.00} dollars check. I need proof that this amount was paid to me on the date that's shown above from One Main Financial. Additional to that, XX/XX/2019 I need proof in writing with a copy of check from One Main Financial. {$5300.00} amount paid on prior account, XX/XX/2019. However, I was accused on XX/XX/2019 that I claimed I wanted to refinance and takeout an additional loan for my XXXX XXXX of {$5300.00}. The representative who was working with my title loan on XX/XX/2019 and XX/XX/2019 is ( XXXX XXXX ) she the one claimed that I said I wanted refinance my loan and I takeout additional loan in her possession. I had spoken with the Manager ( XXXX XXXX ) on multiple occasions regarding my concerns of what I state above, at the location in XXXX Ca. However, she redirected to the Executive Office OF Customer Care name ( XXXX XXXX ) sometimes inXX/XX/2019 I had spoken with her with the issues of above. For some reason, I am not getting the information I need to settle my account with the accurate Amounts. ( Amount Financed and Finance charged ). I definitely recalculated the amount that supposed to be issued to me on XX/XX/2019 by check. And the amount does not add up in my calculation. And numbers don't lie. So please take my report in your consideration. feel free to email : XXXX XXXX
09/08/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	DE 199XX	Web
Followed an an Online Ad for Equity Loan. I own XXXX % of my property of Market Value near XXXX dollars. The loan requested is for {$2000.00}, which fits in my budget, almost at any interest rate. A brief questionnaire in thus presented, and a soft Credit Score Inquiry is performed. And here it comes : You 're approved! One last step, finalize your application, said the email. There more info is requested, including complete SS #, bank account, routing number, online user id, password and even security question answer, insurance coverage. Not a question about my life style and spending habits or other obligations such as loans, cars, etc. Then for conclusion, an enrollment page in myscore.com and various other online services. Clearly, there is no intent to extend a loan whatsoever, but to collect information at my expense, for their marketing compaign. Information that is supposed to be protected. Obviously, these people do not need my business or that of XXXX Americans they violate on a daily basis. Who knows, they may be doing it with our own money, that is money earned with sweat. The loan is to acquire a car for another 30 hours/week job, XX/XX/XXXX. Their customer " service '' says, that I do not have enough debt against the property - In other words, I will be able to payback the loan, is the problem!
10/08/2017	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	NC XXXXX	Web	Servicemember
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, 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.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
11/07/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	CO 80020	Web
In XXXX of this year ( 2019 ) we applied for a personal loan for {$6000.00} through OneMain Financial in XXXX Colorado. They sent a pre-approval email to my husband and I and then stated that I didn't qualify for the loan. I have yet to receive an adverse action for the attempted loan. They then stated that they had to get the title for the vehicle that was used as collateral for the loan so they could sign the title off to my husband and remove me from the loan. The title took a long time to get in and didn't receive the title till XX/XX/XXXX. We went in, signed the title over to my husband and waited for another answer. They told us that the loan had to be sent to the corporate office for the finishing documents and that it would be ready on XX/XX/XXXX. We never received a call and continued to call and inquire about the loan. Each day we called, we were told that the loan officer and the supervisor were busy and would call us back. When they did call us back ( after a few days each week of pestering them for an answer ), we were told that we were waiting for the corporate office. We finally got a hold of them, again, on XX/XX/XXXX and they told us that my husband did not qualify for the loan. When asked why, they told him that they could not give him that answer and he would get an adverse action in the mail.
04/26/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30022	Web	Servicemember
I recently applied on-line with SpringLeaf Financial for a personal consolidation loan and was approved on-line and was told that I to call to speak with a loan officer to process the loan. I called and provided detailed information to the specialist which included the fact that we had XXXX vehicles which were owned and had a loan out on them as well which we desired to consolidate in this new loan. Whereby, the bank would receive the XXXX titles as collateral. I was then informed I only needed to send in my last XXXX pay stubs to complete processing the loan. With this proof on income the loan should have been seemlessly processed. However, on this morning I was told they would not process the loan since the collateral has money owed to XXXX which they were made well aware of on yesterday before requesting me to send in my last XXXX paystubs. This is Credit Discrimination in and of itself. I had a longstanding small loan with them from last year which has been paid back consistently and never late. I repeatedly received solicitations about renewing or applying for an increase, prior to me applying on line yesterday. The practices of this firm is blatant discrimination towards XXXX minorities specifically. They should be ran out of business and not be allowed to practice anywhere in the United States of America.
01/23/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IN 461XX	Web	Servicemember
My husband XXXX XXXX XXXX XXXX 2017 after this happened I sent the appropriate documentation to the loan office which is OneMain Financial used to be called Springleaf Financial I was then told that my husband had credit life insurance and then it would cover the remaining balance of the loan and I would be mailed the titles to the vehicles. However when I asked XXXX the branch manager XXXX in XXXX office he said that he could not give me any documentation he was rude to me gave me the run-around and told me I need to get a court order to get documentation all I wanted was to handle my husband 's affairs I feel like they were unprofessional did not answer my questions I would like his account investigated and looked upon because I am doubting the accuracy of the numbers since this this loan was just modified XXXX and I 've been making numerous payments I 've been and I 'm wondering why I can not get his file nor get answers I want to look into and if needed I would like corrective action taken to anyone who has been doing unethical things on behalf of my XXXX husband and if I 'm owed money or it needs to go to an account for a trust that I want it I want to be notified. I believe that there is money due back to the benefactor which would be me next to XXXX please look into this matter of the utmost importance.
08/18/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	UT 84088	Web
I applied for a installment loan through spring leaf financial website. I received XXXX phone calls after I completed the application which I was unable to answer as I was at work. I called the next morning, and after an hour on the phone I had to get off and go to work and nothing was resolved it took that long to find my application which had me concerned. I called back on my lunch break and spoke to a representative that stated she would assist me in finishing my application. I went through all the questions, income, finances, assets etc, she then transferred me to XXXX to complete the application. He completed the application and said that he would be emailing me documents and I need to send in my check stub and my XXXX to verify my stated income which I though was odd as I am only applying for XXXX and I already had a previous loan with them on XXXX which I paid off. I explained this to XXXX to which he stated they still need the information and will have an answer once I submit these documents as to if my loan is approved or not. I though this was odd because when I submitted the application at the end on their website it said I was approved for a {$2000.00}. XXXX assured me he was emailing me the documents and to send them in asap. I still have not received the email and I am unable to reach spring leaf
03/06/2019	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	MN 554XX	Web
I had a line of credit with OneMain Financial and paid off my entire balance in the fall and have never missed a payment. In XX/XX/2018, I received a statement for {$50.00}. I called and talked to one of their Customer Care Representatives and was told it was an annual fee for having an open credit line. I told him I didn't want one and he advised he was going to remove the {$50.00} annual fee and close my line of credit. In XX/XX/XXXX I got another statement now showing that I was past due, again I called and spoke to a female. She apologized and stated she was going to bring this to her Supervisor and have it removed and assured me this was going to be taken care of. Now in XX/XX/XXXX, I got another statement and now I am being reported as past due. I called and spoke to XXXX another representative and she told me she didn't show a balance and couldn't help. She refused to give me to their credit dispute department. I finally asked for a supervisor, XXXX XXXX and she apologized and said the past reps actually didn't do anything even though it was showing why I called. She said it would be removed but takes 21 days and wouldn't help remove the negative reporting. I want a letter stating I have a XXXX balance and my credit updated immediately as I will be looking to relocate and need my good credit rating.
03/08/2018	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	AL 36605	Web
Creditor : Onemain Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted Onemain on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. I request that this inquiry is removed immediately. I have given more than the legal time for Onemain or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. Thank you for your assistance in this matter, XXXX XXXX
02/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 310XX	Web
In XX/XX/2017, I was seeking a personal installment loan to consolidate debt. My credit isn't the best, so I was anticipating higher interest rates. OneMain Financial informed me that my Annual Percentage Rate ( APR ) on my installment loan would be 35 %. I was told that I could repay this loan for up to 5 years at {$320.00} per month. The principal amount was {$8900.00}, so I was anticipating paying over {$3000.00} in interest annually on the principal balance of the loan. What I was not notified of is that 1. ) The 35 % interest is accrued MONTHLY on the capital amount and amortized daily. So that over {$220.00} of my {$320.00} payment would go strictly to interest, leaving my capital balance essentially unchanged. I was also NOT notified that, 2. ) My total repayment would be over {$18000.00} or 118 % of the principal amount. This was NOT my comprehension of the terms when I entered into the agreement. I feel misled and held hostage. I have made XXXX timely monthly payments of {$320.00} to date and I still owe over {$7000.00} on this loan. In order for me to pay off OneMain, I will have to pay around {$850.00} per month for the next 12 months after previously paying nearly {$8000.00} already. This is NOT 35 % APR. I believe this is a blatant violation of Truth in Lending as well as predatory lending.
05/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MN 55426	Web
My loan was taken out XX/XX/XXXX with the first payment of {$230.00} due on XX/XX/XXXX. On XX/XX/XXXX I made a payment. Pleased that so much more went to principal over interest, I was committed to paying my loan early. Then, One Main closed my initial account and opened a new account with the same info. I 'm not sure why, I never received any communication on this. I now have two accounts from One Main on my credit report. At any rate, my statement date changed. I did not have an amount due when I made a payment on XX/XX/XXXX. I made a payment of {$250.00} figuring I could pay down faster. On XX/XX/XXXX a statement cut and showed {$0.00} due. This seemed fine because I had just made a payment on XX/XX/XXXX. On XX/XX/XXXX a statement cut and showed {$210.00} due. I made a payment on XX/XX/XXXX. On XX/XX/XXXX a statement cut and showed {$230.00} due, with no reduction in principal balance. This is when I called One Main. They are saying since I did n't make a payment in the month of March, the entire {$210.00} PLUS {$20.00} from my May payment all went to interest. They keep saying I did n't make a payment but this is not true. So far, I 've had 4 payment due on the loan ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). So far I have made 4 payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
07/01/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OR 97068	Web
I had a high interest XXXX loan for years with a high balance. A couple of years ago Springleaf Financial took over the loan. I finally paid the loan in full XX/XX/2015. I checked the statements for a couple of months to make sure the balance was truly XXXX. Since I did n't use the account I did not keep checking the statements after that. Because I always have a balance in the thousands I never realized I was being accessed an annual {$50.00} fee on top of the high interest rates. So in XX/XX/XXXX they accessed an annual {$50.00} fee I did n't look at my statements because I expected the balance to still be XXXX. When it did n't get paid they reported it as " over 30 '' to all XXXX credit bureaus. I did n't know there was an issue until I tried to finance a car and my credit score had dropped XXXX points! I called that day and paid the balance and closed the account. I then called customer service and at their urging I wrote to their complaint department and when that did n't work I even tried writing to the CEO of Springleaf and all rejected my requests to have the harmful information removed from my record. I understand that legally they reported accurate information. However, it was a ridiculous honest mistake and I feel they should give a long term client the benefit of the doubt.
01/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NV 89102	Web	Older American
I applied for a personal loan of {$10000.00} a couple days ago to pay off some debts and I went on XXXX XXXX XXXX XXXX said that I should contact OneMain Financial so I contacted them I applied for a {$10000.00} loan they returned with {$2800.00} unsecured or XXXX dollars secured which would be my vehicle I told him I Vehicles not paid off so they said XXXX so I get an email from the company and tells me what time I'm supposed to be there at XXXX today on the XXXX so I go down there after I get out done with work I pull in I go inside they take all my documents my ID my work ID a check stub my pay stubs all utility paperwork and stuff the guy that's supposed to talk to me never comes out I talked to two or three two different women and one guy I have no idea who they are they didn't even introduce themselves and then they come back a few minutes later and tell me they can't help me why did they make me turn circles go all over the place just to get over there so they could deny me if I were you anybody that's the even thinking about going to OneMain Financial think twice go somewhere else they are the worst they are so rude they kept all my documents I told them you better make sure you shred them then and I left the windows weren't even clean that's how bad this place is disgusting
03/15/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 75228	Web
First of all, I was invited or referred to different potential lenders/loan companies, by different matching agencies. Upon deciding to go with that lender, I 'll always try to make sure, its a preapproval type process, and the lender ( s ) would also advertise such thing! At the end of the day, mostly all my acquire lending decisions or choices were thru ; those types of lenders, that offer such renditions! In addition to that, the lenders provided the credit bureaus, info that should n't had been part of the decided factor! For instance, you ca n't make me have, a history with mortgage rates/payments, if in my lifetime I never own my home! I always, and still is in the renting business ( From landlords or apartments managers )! But, mostly all lenders uses this excuse, to disqualify or disapproval purposes, and main reason for or behind their decisions! Since, when in this Country ( USA ), this type of stuff is or became legal? Something is extremely wrong, and insane with this picture, America! Nobody or adults in the earthly realm should be punished, and discriminated against ; due to not being homeowners, and lacking that type of history involvement! This is what I would label as stupidity, garbage in/out, deception, ignorance, and insanity stuck on XXXX, and at its worst!
03/17/2018	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	FL 33139	Web
on XX/XX/2018 I received a letter from ONE main financial, saying they had denied me on a credit line, well i never applied, so i log into into my XXXX account and saw they had an inquire on all 3 reports, i remember getting an invitation from the either XXXX or XXXX which i call to inquire, when i spoke to their operator she told that their interest was around 10 % then i said " No thank you very much '', never authorized for a credit run, i am no about to pay anyone 10 % on a credit line. yesterday i call their XXXX number i explain teh situation, hoping to get some resolution, the first operator " Hand up on me '', on the second dial the second play dump, refused o give me her name when ask to be transfer to a supervisor, when i began to tell teh supervisor, that i had received an invitation, call ad never apply since their rates were to high, she stared saying that perhaps some one had taken the letter call and apply, i said to her it was impossible, since i had sheered the paper, we have a big sheered in my office for all personal documents..then she stared playing the game she couldn't hear.. i have an i phone XXXX..and my service is with XXXX which is clear as whistle, keep saying i cant hear you and hang up..when i try to dial again, none would come up on the line.
08/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 306XX	Web
We took out a loan with One Main Financial in XXXX Ga on XX/XX/2018. We went and paid off the loan yesterday. The loan amount was XXXX plus a XXXX processing fee. They financed XXXX dollars which we were not aware of what exactly went on with that as XXXX of it was a life insurance policy and the other was for XXXX for home and auto insurance. However a check was cut for this last amount and my husband and I had to sign the check and One Main kept it although our loan papers say it was given to us and was not ... The interest rate is 36 percent a year on the loan. But as I said we paid it off not even one month later. Our payoff was XXXX. This is XXXX dollars in interest for less than one month of a loan. In addition they claim they took off the XXXX insurance check as it is refundable to us when we pay off the loan. So in all One Main is saying we paid them over 1200 dollars in interest for a loan that is less than one month old. This seems like a scam and a rip off. Had we had the loan longer I could see the high interest charge but the 36 percent in the papers says it is a yearly interest rate so it makes no sense. Seems like we should have paid XXXX or something in that area, not XXXX in all for a loan less than one month old. I would like this investigated please.
01/06/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OH 441XX	Web	Older American
This complaint is against Springleaf Financial. The loan was acquired in XXXX of 2007. The loan amount was for XXXX dollars. With interest it totaled XXXX dollars. I 've paid about XXXX. I still owe XXXX. How is that possible? I paid XXXX a month until they told me to pay XXXX a month. When you look at the payment history, some months nothing went toward the premium. Some months maybe XXXX or XXXX dollars went toward the principal. They are a rip off. How can you pay XXXX on a XXXX dollar loan and still owe XXXX dollars, which was what you borrowed. I saw some review about Springleaf on the internet and XXXX lady said she had the loan before she bought her car and has since paid her car off but still owe Springleaf XXXX dollars. Someone really needs to do something about them. They are taking people money. Especially the elder. The loan has really been paid off and they still want XXXX dollars. If nothing can be done, I 'm going to the media. I 'm also XXXX and have to get my daughter to deal with this problem. Also I have tried to get them to send me cancelled checks because they said I borrowed XXXX and XXXX after the intial loan which I did not. They can not show me who received the money because it was not me. They have no way of showing who received the money
08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web
On XX/XX/2018, a hard inquiry was placed on my credit report from One Main. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted One Main requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, One Main is required to remove the inquiry from my credit report. Subsequently, I've made contact with One Main via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, One Main has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of One Main 's inquiry from my credit report.
01/12/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 30115	Web	Servicemember
XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX The company above made false representation of the factored rate of interest on my loan from the onset of my contract. I have made 12 months of payments on the loan of $ XXXX and never been late or past due etc. Upon receiving a solicitation in XX/XX/XXXX - 11 months into loan, I contacted their XXXX Ga location to get a quote for an additional amount, to realize the loan was misquoted from the onset. However the new amount triggered me to look further into the misrepresented amounts and contact their corporate office. The XXXX employee said the rate factor was XXXX on initial loan and XXXX on new loan amount. Upon firther research the loan amount is, in fact, XXXX. I have continued to pay this loan - XXXX payments were being removed from my checking by a company by the name of XXXX and now changed to XXXX XXXX. XXXX XXXX XXXX office said that their rates were imbeded into their system and did not show employees the actual factor. It is my contention that One Main owners and financial offocers are guilty of violations of the fair debt collection act, guilty of fraudulent information to their customers, and in violation of state and federal laws regarding financial institutions.
01/09/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NV 890XX	Web	Older American, Servicemember
Subject : One Main Financial XXXX : XXXX I applied and was approved for a loan in the amount of $ XXXX received {$1700.00} in my bank account XXXX/XXXX/2017. The reason for the loan was to pay off a high interest payday loan. ( XXXX loan center ). Amount {$1800.00}. When I did n't receive the full dollar amount I called One Main and was told they sent a check to Dollar in the amount of {$1800.00} next day mail via XXXX. XXXX will not accept checks for payment. ( in contract ). I called One Main after being advised of the contract and the no check policy. I was then told that its up to me to get the check and return it. XXXX never received a check. One Main advised me that company policy will not issue a new check in my name. It requires the name of the payee and endorsement to the second party. Dollar indicated they wo n't endorse the check as they do n't take checks. I 've notified One Main and wo n't send me cash to pay off XXXX. mean while I 'm stuck with making the payment to One Main and XXXX. One Main refuses to send the money with out the endorsement. ( Loan is {$3500.00} received {$1700.00} ). I signed up for auto pay for payment. I need help, as I 've been hung up on XXXX time trying to work out a solution for the lack of pay.
12/21/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	FL 32609	Web
I had XXXX XXXX in XXXX of this year, and went back to work on light duty in XXXX and being on XXXX the paycheck was decreased but the loan was covered until XXXX. Due to bills being behind and I have not being able to work extra due to light duty, and just discovered another health issues that has also being hinder me from working extra since I am back on full duty since XX/XX/XXXX. I have talked to them they could not do another loan because I did one already, due to health issues earlier. They called my job 3 times, They are calling on Sundays. They are calling 3 to four times a day. When I try to explain they are just telling me what I need to do, I have spoken with a miss XXXX and she has left messages on my jobs and I have asked them not to call my job, I have stopped answering my phone, because they are aggressive and I have a XXXX XXXX and I am not allowing them to upset me. I do realize I owe this loan, but if they would be patience I can resume making payment next year XX/XX/XXXX. some dates are XX/XX/XXXX @ XXXX & XXXX XXXX XXXX, XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX, XXXX, XXXX @ XXXX this a just some of the times and you can clearly see XX/XX/XXXX and XXXX is the weekends
02/06/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 381XX	Web	Older American, Servicemember
I received a letter in the mail from One Main Financial with a request to refinance my account and funds were available after refinancing. However, they added more money to my account and fraudelent placed on my account 2 different amounts of refunds totaling {$3600.00} and {$110.00}. After One Main fraudelent placed those amounts on my account. My account increased to {$18000.00}. i had paid off {$2800.00}, a total of one years worth of payments.. The company sent an ACH to my account a total of {$2900.00}, after I left there ofn XX/XX/2018. I spoke with the manager and XXXX XXXX and asked him to fix this account because it is incorrect and he says it was not. I did not receive these monies in my account or under no circumstances. I can not believe that he expect me to pay for monies that I have not received. This is outright fraud. I do not know if he or his employees received thi money and is trying to make me pay for it. I have all the documentation to confirm what I received and was distributed to me. He also placed the amount of finance charges back on my account to bring it to a total of {$18000.00}. Please advise. I appreciate your time and concern with this matter. It is fraudelent and unwarranted, incorrect and creating a hardship.
11/08/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	GA XXXXX	Web
*****PREDATORY LOAN ***** ***PREDATORY LOAN ***** ***STAY AWAY ******* I opened a loan with this company back in XXXX. For approx. {$5900.00}. I refinance in XXXX and received an additional {$1000.00}. This brings the total borrowed amount to approx. {$7000.00}. Ive been paying on this same loan for 5.5 + years every month for {$250.00} and was never late. That a total REPAYMENT amount I have made up to now is approx. {$14000.00}. I recently lost my job and the company is now harassing me saying that I still owe approx. {$3900.00}. The company has posted the late payment information on my credit report which has lowered my credit score. This has hurt me really bad. How is it possible to borrow {$7000.00} REPAY a total of {$14000.00} and still owe almost {$4000.00}??? This is unreal and probably illegal on the part of this company!!! Stay away form this company. I feel like if I have not been late and have repaid a total amount of around 200 % from the original amount borrowed I SHOULD NOT OWE money. My balance should XXXX!! Looking over my documents the APR is 36.00 %. doing the math on this at the very best I should only owe approx. {$1000.00} to have the total 60 months agreement payment fulfilled. PLEASE HELP ME!
12/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 156XX	Web
We are behind by 1 day on our personal loan from Onemain Financial in XXXX Pennsylvania. They call myself, my wife, and my mother ( whom does not live with us ) normally 20 times or more per day each. They have been doing this for four months now. They use multiple numbers, we have asked for them to stop harassing us they always get their money it 's never more then 21 days late ( 1 time ) mostly 7 days late, because they do n't allow us to change our due date. We make our payment which is supposed to be {$240.00} but we pay {$250.00} to allo {$4.00} to go towards the principal. He keeps telling us we are two months behind, however we are not. The calls start the day the payment is due and continue until the payment is made. We have had legal action threatened against us for being 1 day late! He told me that there was a {$7.00} charge that causes their system to assume we are 2 months behind but since we pay {$4.00} more every month that charge should n't exist. It 's more then a " system '' thing they physically dial the numbers and intentionally harass us because we do n't answer their numerous calls after we tell them when we will make our payment A date and time is given but the calls keep coming 20 or more times per day each.
10/19/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33328	Web
I have been having difficulty making payments because my mortgage modification has come to and end and has impacted me financially. I recieved a letter in the mail by Onemain Finacial by the district manager in XX/XX/2019 that they can lower my payments or the interest rate to make it easier on me financially and when I called to ask for help they said to me that I would have had to have lost my job even after I explained my hardship with my mortgage increasing. So I tried asking for a payment deferral and arrangement to have my payment taken on XX/XX/XXXX and deferr the payment for XXXX. They sent me something to sign electronically but it wouldnt work and I explained that to them it wasnt working when I went online. So I made the payment myself XX/XX/XXXX and then they took out an additional payment from an account of mine that I didnt authorize. They didnt verify the account or anything they just took a payment from another account which I changed a long time ago because it was an account I dont use. They have caused me further default now in income and to look bad at my job where I work. I have also asked they not contact my job and they continue to do so. This is beyond unethical and should be handled accordingly.
05/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	MN 55369	Web
onemain I'm filing a complaint on your company for violations Of the FCRA AND THE FDCPA I was viewing my credit report and I noticed some violation reporting on my credit report I have disputed this account with all three credit bureaus and they states that you verified the account But as I review the report from your company I noticed that you didn't enter dispute marks that consumer disputes with out that Information the account can not report fcra 623 you could be fined {$1000.00} per account. So please delete this account from my credit file. violation number two the account is a charge off you are still showing late payments on a charged off account there should be no late payment reporting you could be sued for {$1000.00} for each violation on each credit report. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have disputed this with the credit reporting agencies and they are not conducting a proper investigation and don't take this as a threat But I have file suit on all three agencies is why I'm disputing with you right Now
08/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
IN REGARDS TO : ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX MD XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO THE BUREAU XXXX LETTING THEM KNOW THAT I'M A VICTIM OF IDENTITY THEFT. AS WELL AS FORGERY HAS BEEN COMMITTED AND THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I EVER HEARD OF THEM. Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding inaccurate FRAUDULENT account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. This is my last request to your company to follow the law and REMOVE THE IDENTITY THEFT ACCOUNT FROM MY CREDIT REPORT AS IT DOES NOT BELONG TO ME. I HAVE FILED POLICE REPORTS WITH THE OFFICERS SIGNATURE AND POLICE REPORT NUMBER AND I HAVE SENT THEM OVER TO THE BUREAU XXXX AND THEY HAVE STILL FAILED TO COMPLY WITH THE LAW AND REMOVE THE ACCOUNT. I'VE EVEN SENT IT TO THE DEBT COLLECTOR AND ONE MAIN AND THEY HAVE NEVER RESPONDED BACK.
09/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32904	Web
This man called Mr XXXX XXXX ( check said XXXX XXXX - XXXX ) from a California number XXXX XXXX XXXX One main financial That is who he claims to be and claims to help people with no and low credit get loans he promised me a {$6.00}, XXXX loan but because my account is in the negative he had to bring it to the positive in order to give me the {$6.00}, XXXX so he deposited ( yes he required my login and password to my account to do this or threatened that I wouldn't get a loan ) and then he deposited a {$980.00} check literally logged into my account and deposited this check from a closed account causing me financial hardship literally I owe the bank so much money now because of this. I have so much evidence I have every text message phone call I even recorded a few conversations as well as the pictures of the checks I would just like for you guys to catch this guy who is a horrible man scamming people who are already broke already in turmoil who can not get help and can not afford mistakes and scams like this. Please can me an email or something a caseworker I will send you everything. XXXX refuses to give me an account now they literally closed my account because this man tried to cash a closed account check.
10/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 45417	Web
I was approved for a $ XXXX loan back in XX/XX/XXXX. I have been making regular payments to day and have experienced another hardship so went back to apply for an additional $ XXXX loan. When I realized I only needed about {$2500.00} or less, I notified One Main and told them. The CSR informed me that I had been approved for the $ XXXX loan however, I would need to use my XXXX as collateral. I told the CSR I did not want to do that and he told me that they could not give me the loan. I then inquired about receiving way less than that amount and was informed that my car would have to be used as collateral. I asked the CSR, XXXX, what credit report was used to approving my $ XXXX loan previously. XXXX told me that they pull from all three ( 3 ). I asked him what was different between the two ( 2 ) reports pulled in a matter of months. He stumbled and said that 2 things popped up. Well, that makes no sense as the items that " popped up '' were on my report since XX/XX/XXXX or sooner so you had to see it when you gave me the $ XXXX loan. I asked for a copy of the credit reports and was denied review of them but One Main wants to use my credit report as the foundation for requesting a collateral loan.
10/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33710	Web
I refinanced a loan with One Main Financial, per my loan documents, my first payment is due XX/XX/XXXX, I made my payment early, and it is not crediting to my XXXX payment it still states I owe the payment for XX/XX/XXXX! I contacted the branch where I did the loan, they assured me my payment was credited and my next payment was not due until XX/XX/XXXX see following email Hi XXXX, Due to your payment of {$190.00} on XX/XX/XXXX, your account will not be due for a payment until XX/XX/XXXX. You have made your XXXX payment. Thanks, XXXX XXXX \| XXXX. Personal Loan XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX \| XXXX However when i log in it still says due XX/XX/XXXX, I sent him the snap shots, he then referred me to call the online department to sort it, and to let him know if I had any problems I did call, XXXX and explained to the girl, was put on hold for a very long time while she checked with her manager? After being on hold for 17 minutes she came back on, said the payment was showing but because i made the payment early it will still reflect it is due? I asked to speak to the manager, she was busy and would have her call me? I have snap shots of all, this is really ridiculous!
01/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 22193	Web
In XX/XX/XXXX, I obtained a loan from OneMain Financial. I made biweekly payments in the amount of {$92.00} for an entire year. In XX/XX/XXXX, I signed up with a debt consolidation company which then reduced my payments to OneMain to $ XXXX monthly, in which OneMain agreed with. In XX/XX/XXXX, I notified OneMain that I had satisfied my debt consolidation and would like to begin making payments on my own ( instead of giving money to the debt consolidation to pay my creditors ). I established biweekly payments with OneMain in the amount of {$76.00} for a total of {$150.00} a month. At this time my balance was {$4700.00} after 3 months of making payments, I noticed that my balance did not budge. I emailed and called OneMain about this and they claimed that they would update my balance. XXXX I sent OneMain a certified letter requesting that they provide me with the correct balance owed or I will stop making payments. They never responded to my letter and did not update my correct balance owed and have now filed a Warrant in debt judgement against me. I plan to fight this judgement as they are claiming an incorrect balance owed. I have read plenty of other complaints against OneMain of the same tactics.
12/12/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	IL 60148	Web
I applied for a personal loan online and was approved for XXXX $ Unsecured and XXXX secured after submitting documentation I was told that I was approved for XXXX unsecured and XXXX secured. On XX/XX/XXXX I went into the office to get the loan and was told all I would need is my ID and voided check after I got there a lady came into the room and was trying to pressure me to get the secured loan I advised her that I did not want it and explained I would do the unsecured loan she then made me go to the bank to get my bank statement so she could come firm that I had direct deposit which my paystubs showed. When I came back the door was locked and she explained it was broke and that I could slide my bank statement through the door and the next day for the inconvenience I would be able to esign my loan. Well the next day I called and the lady said my loan was denied so to income, but when I was there she said she sent the loan to the under writer who declined the XXXX unsecured but approved XXXX unsecured. I called there headquarters office because I was confused but got the run around I met all the qualifications was told I was approved but when I got there and didnt want the secured then I was denied.
10/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90045	Web
I had a personal loan with Springleaf financial ( now doing business as One Main ) in the years of XXXX-XXXX. During these years I maintained a perfect payment history. Included in my monthly payments was an additional fee for payment protection. The protection program is offered to borrowers that opt in to help them pay their monthly payment in the event of loss of employment or disability. In XXXX XXXX, I was laid off from my job and initiated a claim with XXXX XXXX ( payment protection ). After months of endless phone calls and communication via mail, my claim was denied. XXXX explained that this was due to me not being approved for unemployment benefits, which makes absolutely no sense, if I had income from XXXX, I would not need the payment protection. I paid for this protection for over 2 years and was not able to use it when I most needed it. This company cheated me and basically stole my money. They charged me for a service they did not provide. To make matters worse this company is reporting negatively every month to the credit bureaus even though they state I have a XXXX balance and that my account is charged-off and sold to another lender ( who I do not have a signed contract with ).
12/11/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	KS 674XX	Web
I currently have a loan with Springleaf Financial, in good standing. No late payments, no problems whatsoever. I applied online for another loan with Springleaf, for {$10000.00}. I received an email stating that I had been approved, but for a reduced amount ( {$7500.00} ). The email instructed me to call in order to complete the process. I called and answered numerous questions about employment and income. Everything went fine, until I mentioned that I already have a XXXX loan in good standing. I was immediately placed on hold, then the Springleaf representative came back on the line and mumbled something to the effect of " I 'm concerned about risk. '' I waited for him to say something else, but about a minute of silence passed. No wonder - he had disconnected the call. Having pre-approved me for a loan, Springleaf was apparently incapable of determining that I am already a customer - even though I provide my name, address, SSN, etc. ( and they did pull a credit report ). When I disclosed that I 'm a customer in good standing, their response was to disconnect the call and to refuse to continue processing my loan - even though they had pulled a credit report and pre-approved the loan.
08/04/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78251	Web
I borrowed {$5000.00} from Springleaf Financial for 4 years at 25 % interest to reestablish credit. They are now showing my balance not the statements and my credit report to be {$9300.00}. I called to get an explanation and they claim that that will be the total that I pay should I pay it off in the time allotted. I explained that their reporting is incorrect, they should only be reporting the amount borrowed. I called to get copies of my contract on XXXX separate occasions and they still have n't sent those to me. You are only granted access to your loan documents online for XXXX days, after that you are locked out. They claim I signed something agreeing to my balance being over $ XXXX rather than the $ XXXX borrowed, I was never asked that question, why would I agree to that? When I took out the loan, the rep reviewed the paperwork on her computer screen and just ran thru the documents quickly, she later brought out copies to be signed and told me they were identical to what she had gone over on the screen. She also told me that the loan came with credit life, unemployment and XXXX insurance as part of the loan. It was presented as mandatory, turns out I 'm paying a fee for that as well,
06/16/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to turn you in to immigration or deport you	TX XXXXX	Web
I received a notice from one main financial asking me to go to a police station and have a paper signed in front of the police officer. I am XXXX, are they suggesting that I do not have a XXXX XXXX or XXXX because other companies just remove the hard inquiry. I have not seen such resistance from a company that has violated my rights. Has no proof that I requested any type of services with that company. Has not been able to prove that I was at a branch location as listed on my XXXX and XXXX credit report. Are now stating through this letter that they have multiple lending partners and maybe I HAVE issues now with My MEMORY!!!!! WOW. This is harassment. I feel violated, This has cause a XXXX XXXX, With my medical condition and the external factor being presented with this letter. One main financial needs to either remove the hard inquiry of my credit report, or explain why there are not able to do so.I do not need to go to a police station or send in a statement after they have not been able to prove that the hard inquiry belongs to me. This is a deceptive Business Practice. How many consumers are being affected by companies that will not admit to their mistake. Please Assist Me. Thank You.
05/15/2019	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	GA 31705	Web	Servicemember
Your company put a fraudulent credit inquiry on my XXXX credit file, and now, you all are standing behind this miscarriage of justice. Your company has called me a liar. As a XXXX and a lifetime member with the XXXX, I am ready to fight for my rights. Your company had the impudence and the unmitigated gall to be slick at the mouth, and I am forced to do this. Your company had used XXXX undertones when I called your company from a different number. I have no other choice but go on the offense. I am in the process of initiating an all-out boycott against your company. I have reached out to XXXX. XXXX XXXX ( XXXX XXXX XXXX ), XXXX. XXXX XXXX, and my local chapter, XXXX XXXX XXXX, ( XXXX XXXX & XXXX XXXX ) XXXX ( XXXX XXXX ), and XXXX. Your company will hate you all attacked a Veteran and compound the problems with XXXX and prejudiced undertones. You think this boycott will not work because you all hardly patronage with XXXX, and your company has a high disregard for my people. I will make you all regret this foolish and XXXX decision. You will have grief for your proud, superficial, and untrustworthy idioms. I have set up another email that truly represents your company. XXXX XXXX
04/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38134	Web
I had a loan with One Main Financial. They agreed with a settlement of XXXX XXXX dollars on the XX/XX/XXXX for the loan.I went into the branch on the the XX/XX/XXXX to sign the settlement agreement for the loan. I paid the amount of XXXX on XX/XX/XXXX. I received a correspondence datedXX/XX/XXXX, stating that the loan has been paid as agreed and closed. XX/XX/XXXX I received an alert on my credit report stating that I was late paying One Main Financial in XX/XX/XXXX, ( when that is inaccurate because it was settled an paid as agreed in XX/XX/XXXX ). I called the Credit Dispute Department made them aware of the error they reported. They informed me to mail or fax in a dispute letter an the reason. I faxed the dispute letter XX/XX/XXXX making them aware of the inaccurate information they are reporting. I received correspondence datedXX/XX/XXXX stating that the information that's reporting is correct. They are reporting inaccurate information stating I was late on the account. My credit report is still showing I have a late payment from One Main from XX/XX/XXXX. I have all documents and letters to prove they are reporting inaccurate information. No late payments should be reporting
01/19/2018	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	MS 39047	Web
After reviewing my credit report I noticed an inquiry on there being reported by this company in which I have disputed them and put a fraud alert on my account as well with the credit bureaus & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX on my XXXX credit report. Regarding the following inquiry < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed this unauthorized inquiry for several months with no help from the company or XXXX. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. This is an UNAUTHORIZED inquiry. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
12/02/2018	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	HI 967XX	Web	Servicemember
OneMain Financial sent me a preapproved letter for a loan. When I went to the website for the loan, it says that I wasnt approved at all for the amount listed in the letter. The letter stated that I was preapproved for a loan for {$5000.00} unsecured. When I went to their website and inputted their preapproval code for the {$5000.00}, it asks me to click on the box for credit report. I did not know that this would end up lowering my credit score. After clicking the box and pressing enter, it says that Im only preapproved up to {$2000.00} secured. This is a deliberate bait and switch tactic so that I would end up having a hard inquiry on my credit report with a misleading letter. I wrote to the OneMain Financial with a response dated XX/XX/18. They will not delete the hard inquiry since I clicked the box on the website. I felt I was misled into thinking that I would have an unsecured loan for {$5000.00} but ended up being approved for {$2000.00} secured. I called the manager here in our local office about the loan itself. She asked me about my car and how much it was worth and I decided that I didn't want it. She still told me that the inquiry will be stuck on my credit report.
09/03/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TN 37862	Web	Servicemember
My mother and I jointly obtained a loan from XXXX XXXX XXXX Mortgage on XXXX/XXXX/XXXX in the amount of {$6100.00}. I stopped by their office and the lady was very rude stating " It left my office this morning and I could not offer life insurance on your mother ''. She kept my mothers XXXX certificate although she said she could not offer my mother life insurance for this loan. I think that was age discrimination and a joint account means two incomes had to be provided plus my mother putting her car up for collateral. I do not think this company is treating me fairly and they keep reporting to my credit bureaus. My mothers car is available and she should have been offered life insurance on this loan. I am XXXX and only draw a little over {$800.00} dollars that is why they had to have two incomes and collateral. They have had my mother sign contradicting letters and it seems that they twist things around to make them look good and collect the money. The pay off on this loan is over {$10000.00} with the interest. That is more than I make in a year. Can you please help me deal with this company that has cheated and twisted things around so much? Thank you very much and God Bless.
07/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29550	Web
This specific one involves OneMainFinancial. I unfortunately lost my job XX/XX/17 after XXXXyrs. I carried the insurance to cover all possible if anything likeso or else happened to hinder me from paying my bill. Prior to this, never late being automatically withdrawn from my account. When this happened and no income, all paperwork for this was taken to the office here making them aware as well as no unemployment etc. I am now getting a notice from XXXX and XXXX, XXXX in attempt to collect this debt in the amount of {$6500.00}! In no way do I feel this is appropriately taken care of nor does it need to be appearing on my credit report as for against me as well. This has been a tremendously challenging event for my family and I to say the least. My health has been the main reason for landing me to not being able to work. If a way of so and to pay my bills as I have my entire working life, by all means I would be. The unfortunate thing that I never thought would happen did though. Thinking of that insurance always making sure if having would be there surely obviously not. I would greatly appreciate the help if anything in any way with this matter. Thx in advance for the time.
12/05/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33183	Web
I have been a customer of ONE MAIN FINANCIAL for almost 10 years. I have never missed a payment. I missed one payment on XX/XX/2018 due to a medical emergency. I spoke with the company twice to let them know I could not make the payment until the following week. Since that time, this local branch in XXXX, florida has called my phone 15 times a day harassing me. I called them again to tell them to stop calling and informed them I would make the payment this week. Today I received notification from my mother that they called her 2,000 miles away! They divulged private, protected information about my loan to her and asked her for payment!! When I called the companies local branch to complain, XXXX XXXX was extremely disrespectful. He proceeded to yell at me and made me feel as if I were a criminal. When I spoke to his manger XXXX XXXX, she proceeded to speak to me a " disgusted '' tone while taking my payment. When I complained that her staff violated the law she was unapologetic and told me to call the district manger. When I called the district manager his response was, " I am very busy but I will look into it next week when I pass by that branch. '' Completely unacceptable.
12/05/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AL 35603	Web
I opened this loan I think at the beginning of the year or end of last year. I have been a loyal customer they do n't have to call me about a payment l pay when its due or a day later. The way I have been treated since i lost my job on XXXX is pure ridiculous and hurtful. The have customer they have to call every month because they are always behind. When I got this loan i was ASSURED it had employment loss coverage. I called on yesterday to put that into affect only to be told I was lied to and the one they added was XXXX. Well that I would never need and I did not ask for it. But I did ensure that I had the employment loss and i was told multiply times I did. Which was a lie. I was told that I can get my money back for that which would be prorated Okay fine. I was told they did not have the employment check although i told them that was what i needed because I had faced a layoff before and you never know what can happen in the future I was assured that it would cover all loss of employment. The branch when calling today was point blank rude. How do you treat your good customers like this? This turns a good customer into a bad one with rude workers. I need this resolved.
04/19/2019	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	TX 786XX	Web
XX/XX/XXXX, I mailed a certified letter to OneMain Financial disputing the information on my credit report and asking for verification of the account. I received a response that said it was accurate but they did not send any verification documents and just said that the account has been sold. No dispute was placed on my credit report as required by Fair Credit Reporting Action and the Fair Debt Collection Practices Act. On XX/XX/XXXX, I mailed a certified letter to OneMain Financial stating that they violated federal law by not putting the dispute remarks and once again requesting validation documents showing my signature. They responded that they would not address any more disputes. Once again no documents were sent and no dispute remarks were placed on my credit report. XXXX XX/XX/XXXX, I sent a final letter regarding them not putting the dispute remarks on my account and stating that since they have violated federal and state laws numerous times, the account must be deleted. They responded that my dispute does not provide specific information. Since they continue to violate federal and state reporting laws, the account must be deleted. All correspondence is attached.
10/17/2017	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	GA 30117	Web
On XXXX/XXXX/XXXX at around XXXX EST I received an alert that my credit had been pulled by One Main Financial. I promptly called XXXX and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call One Main. When calling this number it goes to XXXX. The rep for XXXX Services l gave me the number to One Main FinancialXXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out XXXX One Main Financial is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by One Main Financial at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by One Main Financial and or XXXX.
06/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web	Servicemember
XXXX XXXX sent me a recommendation for a debt consolidation loan from One Main. Since I trusted XXXX XXXX to be legitimate, I expected One Main to be legitimate also. I went to their office where they told me they were charging me 30 % interest. I agreed to that and received my loan. After about 8 months I looked at one of the receipts and noticed how small the principal payment was compared to the payment I was sending each month and decided to calculate the real interest rate they were charging me was 75 %. I contacted the company and spoke to a few people one of which laughed after I told him I know how the financial world works. I thought it might be a good idea for me to talk to a debt settlement company regarding the account so I contacted XXXX XXXX who told me they could help me. I worked with them until I found out they were going to charge me 35 % to save me 15 %. I stopped working with them and am now having to deal with One Main damaging my credit by showing the account in collections. Im not sure how much they overcharged me before I caught on to what they were doing, but I want this account to be shown as satisfactory or worked out quickly to settle it.
08/17/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	VA 23236	Web
I have two issues with One Main Financial. First, I applied for a deferment in XXXX 2016 with the Branch Manager and was under the impression the deferment was approved and was given paperwork stating that my next payment would be XXXX/XXXX/2016. After that date, I was told my deferment was not approved and I needed to make a payment. In late XXXX 2016, I was told I could refinance the loan and was asked if they could run my credit. I agreed and about 4 questions later, I was asked my work phone number that I did not have available at that time. I thought that since I did not call them back with my work number and I paid the past due amount, the loan would not be processed. Last week, I received a call asking if I still wanted to process the loan and I said " no. '' The same day, I also received a letter from One Main indicating they had processed my loan anyway. Today, I got a denial letter from them. My questions are, how can they process an incomplete application which I asked them not to process? Also, how can they give me paperwork indicating my initial deferment was approved and then say it was n't after the due date and then demand money? Please help me.
06/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44310	Web	Servicemember
I had a car title loan wi th Springleaf Financial on a XXXX XXXX XXXX in 2013. I lost my job and was unable to make the payments. They took my car and my account was turned over to a company called XXXX , XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted Springleaf that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent Springleaf ( to the address on my credit report ) 2 letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
12/01/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 287XX	Web
A lot of issues have started since One Main financial switched computer systems. I was behind on a loan payment which was due the XXXX. On the first they started calling me AT WORK, numerous times a day, demanding money and saying that my account was already 30 days late. When they started the new computer system, i was locked out of my account. It kept popping up an error message and to call my local branch. Customer service thru One Main financial is more than lacking. RUDE is the best way to say it. Threatening calls saying that the payment was already 30 days late and that it WILL BE ON MY CREDIT. When i explained that the payment was not yet 30 days late and it would be paid when i got paid, which would be before the XXXX, she began shouting at me YES IT IS 30 DAYS! This was on the XXXX of the month. Plainly on my statements I receive the payments are due on the XXXX of the month! The tone in which the calls were made and the frequency of the calls i feel like are total harassment. Nothing compassionate or trying to reach a resolution about these phone calls it was just flat out harassing. Numerous times she was told that the payment would be made on pay day.
12/26/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CO 80602	Web	Servicemember
Im submitting this on behalf of my claim of financial deceptive of myself and my XXXXyo elderly mom. My mom, Mrs XXXX, XXXX Illinois took $ XXXX loan 2 years ago at OneMainFinancial, XXXX XXXX, XXXX, IL It was rewrotten twice, {$1500.00} and {$2500.00} for a total of $ XXXX to pay property taxes and a few home repairs. She understood these amounts would be added on she is on SSN, $ XXXX month fixed income. What appears to have happened is each time the loan was rewritten interest was added as principal thus paying 24.99 % interest on interest x3. I understand her wanting to maintain her independence but now with the payments so high she cant afford to live in the very house she told loans out to pay taxes on. Shes kept tract and paid back almost {$6.00} with a bill that says remaining balance {$12000.00} AND interest continues to accumulate. She did not understand adding on included unpaid high interest, she would not have agreed to that had she understood what the total payback payments would be. How is this not unfair deceptive unethical elder abuse/extortion? She is the involved party but I am filing the complaint that she was taken advantage of and a victim
07/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 142XX	Web
Spoke to a XXXX XXXX who stayed he was from One Main Finical Group stated I was approved for a loan for XXXX. I was instructed because of my credit score that I would Need XXXX ( XXXX ) insurance and that I would need to purchase a card at a store that sold gift cards. When I arrived at the store no XXXX gift cards were available ( as doing research after the fact there arent any ) I was told to purchase XXXX and an XXXX card as XXXX and those companies work together told by XXXX to me. Insurance for the loan amount was {$250.00} XXXX card was purchase for {$200.00} and XXXX XXXX for {$50.00}. After information was exchanged I was told that the state was holding up the transfer and I would need to pay an additional {$1000.00} in taxes payable by the same way. After doing a little research and noticing after looking in the internet that the number I was being called from was not the number in website for One main financial I called number on web and was told it could be a scam as they would never ask for any money up front and I was referred to this site. Numbers that I received call from ( except for one ) or now out of service and other just rings now.
01/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 325XX	Web
I am receiving attempts to collect from a company ( XXXX XXXX XXXX , XXXX ) I am not aware. In addition, the company ( Onemain Financial , Inc ) is listed, as the original creditor, I am unaware. I need to prove from XXXX XXXX XXXX that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork ( contracts signed from XXXX ). I have no records of a contract by me with XXXX XXXX XXXX or Onemein Financial. XXXX XXXX XXXX has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If XXXX XXXX XXXX has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.
04/06/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	LA 71291	Web	Older American, Servicemember
I think this is an unfair and misleading practice by some loan companies. Why is this allowed to happen and be reported on our credit reports in this manner. It is not accurate because it makes other lenders think you are drowning in debt when the actual pay off on your loan is drastically lower. I have a consumer loan with One Main Financial and on my credit report it is reflected with a balance as shown below. Open - Current {$21000.00} The actual pay off is {$12000.00}. On our credit reports they are reporting the debt as what it would be if it was continued to be paid off for the life of the loan. Some other loan companies are following suit. This is ridiculous. If that was the case on my house it would look like instead of {$140000.00} remaining to be paid off the credit report would reflect about {$250000.00} as that would be the total of all the payments if I paid on it the next 28 years. I am assuming the loan companies are trying to hedge against someone filing bankruptcy on them but, it screws up consumers chances of getting loans when they need them because it misleads lenders and everyone about the real pay off amounts of their current debt.
07/26/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA 99206	Web	Older American
OneMain Financial Acct No XXXX Paid Off total balance on XX/XX/18 of {$1100.00} Received no further notices or statements from One Main Financial until XX/XX/18 received XX/XX/18 notice from One Main Account closed account for default XXXX called customer service and was told that a {$100.00} fee for renewal of line of credit was charged against account, that it was not paid, that it was written off and the notice of termination and default sent. XXXX told them he did not authorize any renewal of line of credit, that total account was paid off XX/XX/18 and no balance was owed. XX/XX/18 received XX/XX/18 revised notice of termination of account and waived balance. XX/XX/18 Reviewed statements online from XX/XX/18 through XX/XX/18. No {$100.00} renewal fee charged. XX/XX/18 online balance showed balance of {$58.00} however would only allow payment of statement balance of {$53.00} for XX/XX/18. Then went back online and paid additional {$5.00} for XX/XX/18. Balance now should be XXXX. I have no idea what the additional charges were for, did not receive any bills or notice of any default or request for renewal of line of credit after paying off debt
10/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	KY 41091	Web	Servicemember
Onemain Financial XXXX XXXX had provided us with a XXXX loan a year or more ago, we've been paying that off at XXXX/month, they called us and asked if we'd like more money, we set up a time and came in and they said they could pay off our car and loan and roll everything into a giant XXXX loan at XXXX/month. Since we were getting ready to sell our house we expected to pay it off within 60 days. Went down to the office on XX/XX/14 and tried to pay it off, thats when they informed me we still had the orig XXXX loan AND the XXXX loan, even though we only got XXXX cash out of the big loan. Thats a total of over XXXX and XXXX per month. NOT WHAT WE AGREED ON and the loan signing was all on computer and it didn't make it clear we were getting a SEPARATE loan on TOP of our orig loan. Not once did they tell us that, make it clear, or check if we can actually afford a nearly XXXX dollar payment. I feel this is wrong and deceptive, we are currently shocked, upset and deeply hurt by this fraud. We are now on the hook for XXXX we rightfully thought was rolled into the new jumbo loan. Onemain Financial XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ky XXXX
04/13/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NC 27612	Web
When I went to One Main Financial on XXXX in XXXX to finish the paperwork for my installment loan I was asked about purchasing an Auto Plus Plan for an additional {$13.00} a month for 5 years and I told the loan officer I did n't want t hear anyone about it but he said " listen to me you have to listen to me '' and contributed to read everything about it. After he was finished I declined the offer. The branch manager, XXXX, sitting behind him said " I heard you decline that Auto Plus Plan? Why? '' I told him I was not interested and he continued to argue with me pressuring me to buy this and it had nothing to do with unsecured installment loan I was in there to finish up. I told him that I was not comfortable with it the pressure they were giving me to purchase this product. I feel this is unethical to try to push products unrelated to the loan I 'm taking out and pressuring me to buy it and when I decline to continue to push and question why not and this was manager pressuring they was ease dropping on my conversation with loan officer I was dealing with. It has really bothered me that they are able to push products like this on consumers.
06/11/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 38632	Web
I have previously sent in a complaint against this company for this exact reason. I also spoke with someone in the corporate department, and she assured me this would be handled. I told her I was to not be contacted unless I ran a month behind. It is the XXXX of XXXX, this company called my cell phone first as to which I couldn't answer because I am at work. They then proceeded to call my work phone AFTER I asked them to put a " DNC '' Do Not Call on the account. I mail my payments in, and I have mailed them a check for last month and a check for this one as well. It is XX/XX/XXXX, my payment due date is the XXXX of every month. XXXX also speaks with a condescending tone and regularly cuts me off when asking questions. Again, these people have the title to my vehicle. I will always pay it, I was waiting for my new bank to send me checks. If these people call me again, I will pursue a lawyer. Especially when I am not even a month past due. XXXX is the person who keeps calling me. I also, told her for the second time, do not call me at work. I am done playing with this company. This is the last time before I take further action against them.
02/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60609	Web
In XX/XX/XXXX, I contacted One Main Financial. I contacted them because after paying them {$9600.00}, I only borrowed {$4900.00} from them in XX/XX/XXXX. My balance is {$8800.00}. Which after doing the math totals around {$18000.00} on a {$4900.00} loan. For them that is an investment of {$13000.00}. I used this loan to pay for my classes at XXXX XXXX through XXXX XXXX XXXX. I contacted XXXX XXXX who is my attorney. He has reached out to them for a settlement but they said they do not settle. I have a lien on my car with this loan, it is a XXXX XXXX XXXX ex with XXXX miles on it. It is valued between $ XXXX {$3000.00}. I have been doing business with them on and off since XXXX, they went through multiple names including, XXXX XXXX XXXX, Spring leaf Financial, and now One Main Financial. I am living paycheck to paycheck and this loan is a burden on me and my family, I am desperately seeking any and all help please. My attorney said they do not want the car just the remaining balance of {$8800.00}. It seems the more I keep paying them the worse the balance gets. My balance was the same this time last year. I think there is something wrong.
01/07/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 615XX	Web	Older American
We have a loan with Springleaf Financial Services Financial Services of XXXX Illiinois at XXXX XXXX XXXX of {$7500.00} at 22 %. The loan was to rehab our house in XXXX, IL. We requested an $ XXXX increase in the loan amount as the labor for the rehab is going to exceed our expectations. Springleaf proposed that they would refinance our car and give us {$2600.00}. We were not denied an increase, but we felt that we did not want to do that as the finance charged at Springleaf are greater than at our XXXX dealer. So, we withdrew out loan request with Springleaf. The issue is that we received a Statement of Credit Denial on XXXX XXXX, XXXX based upon a credit report from XXXX different credit agencies. Now our credit score will go down based upon this action, and we are trying to keep our credit up as we are still recovering from the loss of our business during the recent economic depression. We called Springleaf this morning ( XXXX XXXX, XXXX ) to tell them that they did not deny our credit, we choose not to accept it. They said there was nothing they could do. We would like this denial taken off our credit report. Thank you very much.
12/07/2016	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	CA 90059	Web
I have a loan with a company called One Main Financial in the city of XXXX, CA. I received a call from a representative by the name of XXXX. I have been attempting to apply for a loan deferment for XXXX weeks. The reps at the branch have stated they have emailed me the deferment form but I had not received it. Finally, on Wednesday, XX/XX/2016 XXXX stated she is handling my account and that " I better get the form in ''! She became irate when I told her she was speaking to fast and I was unable to understand her words. XXXX then stated " hold on! ". She Abruptly placed me on hold ... When I advised XXXX that she was being rude, she in turn told me I was the XXXX being rude and hung up in my face. I called the One Main XXXX back, XXXX again answered the phone. I asked for a manager, she stated there is no manager and declined giving me the name of a manager. XXXX then hung up again. I have been a customer with One Main for some years. I have always worked with XXXX. She is extremely pleasant. The Service provided by XXXX was very unprofessional and disgusting. This is not reputation that One Main Financial should want for their bank.
12/06/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 76009	Web
I have a loan with One Main Financial. I had a payment that became due near the end of XX/XX/XXXX, which Im not disputing. What has become stressful is the repeated number of calls I get per day on a debt that is not even 15 days past due. Im not sure if they are considered a debt collector as defined by the FDCPA, but most companies follow the spirit of the FDCPA even if they arent considered true debt collectors. Over the past 3 days ( XX/XX/18 - XX/XX/18 ), Ive received no fewer than 15 phone calls from this institution and at least 4 different voice mails. And although I cant be 100 % sure, Im fairly certain that they are calling me from numbers not associated with the organization, like a personal cell phone or similar. I understand that credit institutions have an obligation and a right to contact borrowers when a debt is owed, however the call tactics from One Main is nothing short of harrassment. So much so that I have been researching possible legal options, including class action alternatives. And thats typically not my style. Im not asking for anything except some reasonableness when it comes to their call campaigns.
01/24/2018	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	TX 76006	Web	Servicemember
Onemain XXXX XXXX XXXXXXXX XXXX, IN XXXX Acct # XXXX and Onemain Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with Onemain Financial opened in XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and XXXX twice.Once by Onemain and once by Onemain Financial. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called XXXX today and they called Onemain while I was on the phone waiting and was told that since Onemain Financial sold the loan to Onemain and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan with Onemain Financial and if they sold the loan to Onemain then one of these two entities will have to stop reporting. Both entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681
09/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	IL 604XX	Web
They are robbing people. I sought a XXXX loan and repaid it in a month, they have since charged me XXXX even though the loan was paid. I took a loan for XXXX and they mark me as owing over XXXX, I repaid the loan in a month and sure I could expect some early repayment fee or interest but this is insane and WRONG! Their website " my account '' is not accurate or transparent. Does not show what is really owed or pay off quotes. Their customer service is non-existent because they know they are stealing from you and being allowed to. Account opened XXXX XXXX XXXX for XXXX but claims a loan for XXXX XXXX XXXX I paid it back XXXX and they charged me on the XXXX XXXX, they charged me again XXXX XXXX another XXXX, and XXXX XXXX another XXXX claim I still have a balance of {$4500.00} for a loan of XXXX which I have now paid at least XXXX. I do n't want people to get ripped off I hate being screwed over and if there 's anything you can do to protect people and help people from shady lending practices here and other places then you 'd be doing a great service. I contacted Consumer Financial Protection Bureau before. I also contacted XXXX.
08/23/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 604XX	Web
I submitted a complaint to you regarding what I consider to be subprime predatory lending. I filed this complaint on Sunday XX/XX/2019. It was against One Main Financial. Their response to the complaint was that they would respond, per your site, after they look into the matter. Because I sent it on a Sunday, it probably came across their desk on Monday morning. Well today is Thursday XX/XX/2019 ( 3 days later ) & I was served with a summons to appear in court on or before XX/XX/2019! They served me more than a month & a week after the deadline for which I was supposed to make this appearance! Would the timing of this serving have anything to do with the fact that I attempted to resolve my financial burden through CFPB? It is these very tactics, along with the ones listed in my first complaint with CFPB regarding my struggles and inability to meet their demands, that makes it hard to trust in this institution and attempt to begin any kind of resolution, without the assistance of CFPB and the FTC. How can I answer a summons, that the deadline was missed before I was ever even summoned? Is this legal? What are my rights?
02/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	ND 58103	Web	Servicemember
I applied for a loan of XXXX with One Main Financial loan. On the enitre site and terms did it not state that I have to be a resident of North Dakota nor a problem with my address. I have made multiple calls to both the XXXX branch and XXXX branch told them my address. I also told the XXXX branch what my address is and located for. I called the OneMain Financial branch in XXXX and XXXX, ND and I informed of the XXXX XXXX XXXX XXXX XXXX nd is my address. I informed that the house in XXXX XXXX XXXX is on sale and i need the load for multiple things like deposit and car. I went to the XXXX nd branch due to the fact that the XXXX branch bus directions online lead me there. The person at the desk printed my ID off I told him my address, ask me for more information, I told him my address and if there anything I need. Just a Social Security Card. I gave them a passport and he said I have ot be a resident. I have already informed that and he kept taking more and more info about my social security and my dob. I have called XXXX and they stated I need a address on which i gave. I even gave my bank mailing address for my bank info.
04/22/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	MO 65109	Web
Today ( XXXX/XXXX/2016 ) My car was repossessed by the loan agency Springleaf Financial after I 've been making payments to them. When I called their corporate office, they kept giving me the run around on things and seemed to not be able to get their own story straight. I am currently XXXX weeks XXXX, I was laid off for 3 months from my old employer after they had found out I was XXXX. I recently was able to get income generated and I explained that to springleaf, they were very inconsiderate, I knew i was behind on payments but I have been doing my best to catch up on my payment, going in to my local office to make payments on weekly basis with whatever money i had even if that meant me not being able to eat for the rest of the week. Everytime I step into the local branch office where I live, the associates are extremely rude and are usually out back smoking and not even at their desks. Springleaf has told me i can only pay cash and I 'm now beginning to wonder if they have been pocketing my hard earned money. I have been told that if I have been paying them money that they should not have been able to repossess my car.
06/02/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 32812	Web
Springleaf Lending decided discriminately to raise our monthly payment to an amount that we ca n't afford. When contacted the only justification given by their customer service manager was that we would not be able to pay off the balance in full in a reasonable time. I say they did this discriminately because their customer service manager acknowledged that Springleaf offers a reduction in interest rate assistance to other customers, and that even though this raise in payment had nothing to do with our credit rating ( which has improved over the last two years ) and it fell outside the original terms of the loan, they were doing it anyway because it was in our best interest. How can it be done in our best interest if we are struggling to make the lower payment as it is? We incurred this debt and are trying our best to pay it off but we are encountering predatory lending by Springleaf who knows that we ca n't meet the new payment while racking up finance charges and penalties, as well as discriminating against us by not offering us the same terms in a reduced interest rate they are admittedly giving to other customers.
12/21/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 334XX	Web
I got into a car accident shortly after getting this loan and had changed jobs. I bought all three insurances from the lender to make sure if anything happened to me the loan would be covered and not harm my credit. I missed a payment and all the huge fees and fines snowballed the insurance I purchased would no longer cover me since the way I get paid changed. I continued to make payments and get caught up they continued to report late payments regardless even though I worked out an agreement. I was actually paid ahead XXXX XXXX and still reported me late. My loan was always paid ahead since. I have paid off this loan XXXX XXXX in full and the loan is still reporting as open with a dollar balance. I was sold fraudulent financial products such as the insurance and have now suffered harm to my credit because their bogus products to protect people from these circumstances are fake. The late payments need to be removed and a refund is due on the bogus products sold to me and all the pumped up fees and fines refunded and late payments removed. I could never recommend this company. I have a stellar credit history otherwise
07/21/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53143	Web
In 2005 I got a loan from XXXX XXXX. I paid every month, never missed a payment. After a couple of years, with life events, the balance got maxed out at {$14000.00}. When i started with them, the payment was {$75.00} and eventually got up to {$260.00}. I never missed a payment. They sold my account to someone else and than finally sold it to Springleaf Finance. I never, in all those years missed a payment, with any of the company's.I did have to file for a hardship recently due to the fact that my Pensions took a hit when I turned XXXX. Springleaf agreed and helped me with a lower payment and a lower % rate. I have never missed a payment with them. After 10 years of paying and never missing any payment, my balance has gone down by {$50.00}!!!! It has never gotten below {$13000.00} and at times has gone above the {$14000.00} max. How can that possibly be legal. I will be turning XXXX in a couple of months and I had expected to have this paid off by than, but the balance has never gone down. I have n't used the account in years except to pay the payment. Do I have an recourse with this? Should I hire an Attorney?
07/24/2019	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	NY XXXXX	Web
OneMain Financial is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for OneMain Financial to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. The illegal unauthorized inquiry was performed in XXXX of 2018. In the event OneMain Financial has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that OneMain Financial remove this inquiry off my credit files. Otherwise, any verification from OneMain Financial will be deemed hearsay and will be admitting that OneMain Financial is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.
12/12/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IN 47331	Web	Servicemember
I recieved a preappoval letter from OneMain Financial in XXXX. I then applied in XXXX and was approved pending bringing in a vehicle title for my XXXX. Because of the holidays it longer than expected to get my title. Once I received the title I applied for the loan from OneMain. I received inconsistent statements from the loan agent XXXX at the XXXX, Indiana location. It was decided that I needed to reapply after paying off a certain payday loan company. I then filed a complaint against this loan agent direct to the company. I sent the complaint to the company on XXXX. On today 's date I received a letter from the company stating I had been denied credit which is not true. I was approved and cleared any credit requirement. *I also have a current loan with this company and my credit score has since improved substantially. The letter to me was just a retaliation because of the complaint filed against this loan agent. *Again I am current customer of this lender. In addition, this loan agent or company maliciously stated that my credit score was a XXXX which is false information as shown by the attached file.
12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30736	Web
One Main Financial called my work and talked to one of the employees and said that their name was XXXX and needed an updated phone number for me the employee explained that she could n't give information out on employees and XXXX left her name and phone number so I could contact her. I contacted XXXX and she says I owe on a loan that I paid off in 2014 of XXXX online she said that was n't the pay off amount said I owed more than that. I told her I got a payoff qoete and paid it online and and sure that it was took care of! She continued to tell me I owe more money and asked if I was will to work something out because she already has papers to take it to court to file a law suit I explained that she needed to do what she had to do because I paid the loan in full! Then she proceeded to get angry so I hung up the phone. Yesterday they have called my phone on several acassions. I called them back and asked why would they call so many times when when I have already talked to someone and they have already said they have papers to take me to court? She got angry and said she 's only trying to do her job and hang up!
05/25/2018	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	IL 60561	Web
XX/XX/XXXX An inquiry from ONEMain showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. XX/XX/XXXX An inquiry from XXXXl showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues XX/XX/XXXX An inquiry fromXX/XX/XXXX-XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues
07/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30534	Web
I took out an unsecured loan in XXXX at One Main Financial previously XXXX XXXX. In XXXX I refinanced loan. The principal on the account was {$7900.00}. I have been paying on the loan for 5 years and they say that I still owe {$7200.00}. They are now threatening to turn the account over to their legal department andI have my wages garnished because we are 2 months behind due to my hours at work being cut by half. To date we have payed close to over {$11000.00} on this loan, it should be payed off or almost paid in full by now. We have been making payments of $ XXXX/month for the life of the loan. When we asked for help, for one month they wanted to refinance the whole loan again and wanted the title to my car and I declined that offer. That ris when they threatened to garnish my wages. Also I have noticed that when I make the payment, they hold the check and run it thru the bank after the due date so that they can charge me a late fee and add interest. This seems to me that there is something that needs to be done. I am not saying that I do not owe money, but I know that I do not owe them over {$7000.00}.
07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29710	Web	Older American, Servicemember
i filed bankruptcy in 2015, i had an attorney, was told that i had to report all properties, i did, i told my attorney that i did n't want my vehicle nor my house involved in the bankruptcy because all of my payments on the house and the vehicle were on time, i was told by my attorney to continue paying my mortgage and the loan payment that i borrowed on my suv, i made the payments until i paid it out, never missed a payment, the same with my mortgage up to date nothing late, then i found out that these XXXX accounts were being reported as closed, this is a lie i paid that loan out, and my mortgage is showing closed also, this is wrong, on behalf of the bankruptcy court, i already filed bankruptcy which is making my credit bad and then this happens. what happened to the FCRA, i ; m being discriminated against, my rights are being violated by the federal gouvernment. what do you need FCRA if it is not being carried out as stated. i need this corrected, it 's making my credit report look worse than it really is. my rights are being violated, their are other accounts on my report that needs work also.
12/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34759	Web	Servicemember
XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXX ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}. XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...
03/14/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IN XXXXX	Web
I purchased a vehicle and was financed by XXXX XXXX XXXX. About 3 months into the loan I was in an accident which resulted in the vehicle being totaled. When I got the loan I paid extra for certain services if something happened later on, one being I I lost my job, they would cover up to 6 months of payments. After the accident my insurance paid out enough to cover it all except for {$700.00}, but right after the accident I lost my job and was unable to continue to make the payments. They never called, or sent any letters for a year, then suddenly one day I get a bill for over {$2000.00}, from the remaining {$700.00} plus interest. When I tried talk to someone about it I was given the run around. I was sent to one department to the next, never getting any answers. I now have almost XXXX on my credit report for a vehicle I paid for. I had no issue paying the {$700.00}, had I known they didn't. But they didn't once call, email, or send a letter stating i owed a balance for over 12 months. In return my credit has dropped XXXX points, and I am in a position where I have no options except for bankruptcy.
07/10/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30067	Web
My wife and I have had a loan wit XXXX XXXX for several years. Although we were late at least twice on the loans, we caught them up. The loans were then sold to Springleaf Financial. Recently, I reviewed the payments on the loans and noticed that the amounts have never decreased since we have had the loans. XXXX loan is for {$15000.00} and another for {$5000.00}. XXXX loans are more than the original loans now and have not decreased. For example, we have paid more than {$60000.00} on the XXXX loan and I have no idea on the XXXX. When we tried to ask questions pertaining to why we have paid so much on the loans and they never decreased, we are either sent through multiple departments or referred back to the high interest rate and penalties on XXXX loans. I have discussed with several parties outside of the loan companies and no one seems to help. We both believe something is not right concerning the loans and the amounts we have paid on them, yet the amounts are not decreasing. Based on what is currently happening-WE WILL NEVER PAY THE LOANS OFF!! Please help. We have documents that can be sent.
10/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MI 48083	Web
I was looking for a loan.I pulled my credit report and under loans that I pre qualify for is One Main Financial.I filled out info online and was approved.They called me and said I have to come in there office at XXXX XXXX XXXX, XXXX mi.,XXXX and to bring documents including Car title.After the loan officer ( XXXX XXXX ) took my info she said this loan is a unsecure loan but need a copy of title.ShXXXX took my title and never gave it back and told me that they will mail your title back to you.After signing, XXXX said this ia car loan.They lied to me.I never received my title to this day.The day I signed documents was a very hot day and the loan office air conditioning brokXXXX down and was rushed to get loan done.Just recently, I had someone look at this loan and was told, this loan is a very bad loan and its secured.This whole time I thought this loan was unsecured.And because this is a bad secured loan, My auto insurance rate has gone up.Therefore, this loan is very bad and should have read everything in detail and should of declined offer.Therefore, they lied to me to sell the loan.
08/07/2017	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	CO 80920	Web
I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XX/XX/XXXX and then again today. This company accessed my credit without written consent and arerefusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO. Account name ONEMAIN Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
08/25/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	IL 60620	Web
Filing a complaint against XXXX XXXX Executive office, XXXX filed a false statement to the CFPB saying that she investigated my claim with a store employee at the store in XXXX XXXX I gave my statement is to what happened giving verbal by an employee, the employee say I came into the store and provided her with my proof that never happened in XX/XX/2019 by her statement says I came in not true I don't believe a investigation was done I think that the company just filed a false report to get rid of me XXXX asked for date and time that I talked with the employee I provided to her by phone then later to say that they don't record the call on a store level by ask about what was said if you can't re view the call another sign of disregarding my concerns and just saying the employee did nothing wrong well for one she lied about me being in the store XXXX got upset when said the your investigation was false but customer care call are recorded my someone can listen to the conversation we had XXXX read back or conversation and only put mostly what she said and not my answer or concerns
03/09/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 94544	Web
I was approved for a personal loan for {$12000.00} with One Main Financial. I asked about a receiving a lesser amount and reduction of the term of the loan from 48 to 24 months. I was supposed used my car title as collateral which was fine. The loan officers for the local branches provided unsubstantiated information in regards to the exact amount they wanted me to agree to and pay debtors on my behalf. I questioned why they chose which debtors are paid without looking at my entire financial portfolio. Why ca n't I choose which debts to pay that will reduce my overall monthly bills? I am responsible for this loan and this will not help my financial situation, especially at 22 % interest and title to my car. I do n't believe the what the two loan officers said was true. When I called the main corporate office I was told the loan application and amount is at the discretion of the local branch who processes it. I declined their terms but I feel the advertising is very misleading to consumers and the corporation seem to employed untruthful, misinformed workers to represent them.
10/06/2019	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	NV 89148	Web
I have noticed that ONEMAIN have placed an inquiry on my XXXX and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested ONEMAIN and XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " 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 are { { {$1000.00} } }, whichever is greater ; ''
08/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 33179	Web	Servicemember
I AM SUBMITTING THIS COMPLAINT TODAY AGAINST THE SPRINGLEAF FINANCIAL SERVICES COLLECTION AGENCY. My account # - XXXX 1 ). SPRINGLEAF financial services collection agency threatened me today, XXXX XXXX, 2016 at approximately XXXX XXXX for past due loan repayment in the amount of {$160.00}. 2 ). SPRINGLEAF FINANCIAL SERVICES HAVE CONSTANTLY HARASSED ME FOR A DEBT OWED TO THEM IN THE AMOUNT OF {$160.00} for 1 month payment past due. They have been excessively calling me XXXX - 6 times a day. And, sending me numerous letters and emails for just 1 month past due payment in the amount of {$160.00} 3 ). I attempted to contact SPRINGLEAF FINANCIAL COLLECTION DEPARTMENT TODAY BECAUSE I COULD NOT TAKE THE HARASSMENT AND THREATS ANY LONGER. But nothing was resolved because SPRINGLEAF REFUSE TO DO A DEFERMENT, PROMISE TO PAY OR EVEN TRY TO BE A LITTLE COMPROMISING DUE TO MY CURRENT FINANCIAL HARDSHIP SITUATION AS I HAVE REPEATEDLY INFORMED THEM OVER AND OVER AGAIN. THEY ARE VIOLATING SO MANY CONSUMER PROTECTION LAWS AND SHOULD BE FINED AND STOPPED. Sincerely, XXXX XXXX XXXX
03/20/2019	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	AL XXXXX	Web
One Main Finacial continues to delebratly damage the credit of a co-signer that signed a loan with me on my behalf. They call myself and the cosigner XXXX continously I am only a payment and a half behind. However I continue to make my regular monthly payments I asked One Main could I refinance the loan under my name only and they said no. Mrs XXXX my cosigner called me and said one-main has been calling her and harrassing her about late payment. Also I was told by one-main that we were not seriously in delinquency. However they have began to report this to the credit bureau. Mrs XXXX has perfect credit and she is upset about it. This company calls during hours when I ( XXXX XXXX ) is at work. My supervisor asked me who is that calling interupting you at work. I said One-Main Finacial. I have been harrassed and threaten by One-Main- Finacial. I was told one time by an employee if I didnot make a payment I could be sued or they will go after XXXX and that I would be the cause of her credit being damaged. Althoug I make a payment every month. This continues this is not fair
08/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MD XXXXX	Web	Servicemember
I borrowed money for a XXXX with OneMain Financial. If memory serves me correctly the total was approx {$6000.00}. During such time I acquired insurance in case of an emergency in which I did have to use on one occasion. Once I was able to pay again, I made a {$2000.00} payment which put me ahead a little. Just recently I did what I thought was to have paid off the loan. I called the establishment 1st however, they had already closed for the day. Therefore I paid the total amount online using the most recent statement that I had received. I thought I was all done and then I receive another statement requesting an additional {$160.00} payment. I was very upset and I called the branch again and asked for XXXX XXXX XXXX whom is the manager. The representative advised me that he was at another location and that she would forward him my information to call me back so that we can resolve the matter. However, no call and now this affect my credit worthiness according to my credit report. I just want to be done with this. I paid off the loan and this is really not fair.
09/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 900XX	Web
XXXX XXXX is a company I trust. I used them to get a secured credit card. Now, I am cheated. One of the companies who advertises through XXXX XXXX { XXXX XXXX XXXX } was offering radically more money on a loan. { 2000 % more. } My credit has been improving as I have made this a real priority. I applied for the loan a month before moving, hoping to cover moving expenses including furniture. No where in the five pages of legal and apply { except for one sentence, one time } did they suggest I needed to own a vehicle to put at risk as collateral. They classic bait & switched me. One of the parts of the service XXXX XXXX gives is to show the highs and lows of the credit scores of other user who have been approved. They switched the loan over to secured and claimed I was approved. I am sure they are including me in the XXXX XXXX list of approvals. I do not anticipate getting any money from them. I demand inquiry into how many of the listed approvals statistics actually resulted in money being lent to the consumer who found XXXX XXXX XXXX through XXXX XXXX.
11/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60302	Web
I obtained a loan from Springleaf who are now OneMain. I have had trouble paying the loan and the company offered no resolution. They have called and harassed me and to only solutions that they had included paying money that I do n't have or running my credit again. I spoke to XXXX at the XXXX location and was told that the late pays would be removed if I brought the account back current and he did not keep his end of the promise. This account is reporting a higher balance than what is owed on the account and OneMain is a loan shark. I can not believe that I am going through these kinds of changes with this company. I have tried to resolve the issue and have not been able to. I had my account switched to an office closer to me and the manager at the XXXX XXXX he talked to me like I was an animal. He said that he knows what " kind of person I am and his office is not going to tolerate that '' this company has made me feel less than human and are ruining my credit. I have not paid them because they have been deceptive and practices predatory loan antics.
05/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75098	Web
One Main Financial uses deceptive practices in the way it displays payment due information via their website. Their online " Account Summary '' and " Account Details '' page will show that there is zero due for the upcoming month, yet the online statement itself ( if you download it ) will show a payment due for the upcoming month. I have screenshots and downloads where their website clearly shows my next payment is due on XXXX XXXX, 2016. Yet my statement shows a loan payment due on XXXX XXXX. I have relied on their online information for the month of XXXX which showed I had zero payment due. I believed I had paid in advance. Yet I started to receive calls from the company asking why I had not paid my XXXX payment, and when I logged online to check, the online view had been updated to match my statement - after the fact. I though I had made a mistake, but this month when I view my online balance and my statement itself, I see evidence of their deceptive billing practices and I am attaching the screenshots I took as evidence. Sincerely, XXXX XXXX
06/05/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 206XX	Web
In XX/XX/XXXX , my husband and I applied for a loan with One Main Financial located in XXXX XXXX , MD. Since having the loan, we have made a numerous amount of payments on time and when my husband was laid off, we requested to have our loan deferred . One way or another, since having this loan, as of XX/XX/XXXX , only {$1000.00} has been applied to the principal and the representative said that if we paid in full today, our total balance due would be {$13000.00}. We borrowed {$15000.00} a few years ago and have made payments totaling over {$7000.00} since having this loan. Our balance should be significantly lower especially since we have paid a significant amount during the tenure of this loan. In speaking with several r eps at One Main, they were unable to explain why an enormous amount was going solely to interest EVERY month. We are in the process of pursuing a civil lawsuit against One Main if the funds that we have already paid is not applied promptly. This issue has been brought up previously and have remained unaddressed by One Main.
07/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OR 97526	Web
I have a loan with One Main Financial in XXXX Oregon. My payments were set on auto pay, and my payments were being regularly taken every 2 weeks. I noticed recently that One Main had not taken their payment from my bank account when they were supposed to. I tried several times to contact them and left phone messages. I finally got through and they claimed they were trying to call me, and I asked what number they were trying to call and they told my my current number. If they had indeed called me I would have answered or returned any missed calls. Their number is programmed into my phone so I would know it was them. The problem they said, was that they had a copy of the voided check instead of a voided check, and that they could not take any payments from me because of that. The truth is that they had been taking the payment right along every 2 weeks for some time although they did n't have the actual voided check. During the time lapsed that they did not take my payment, they slapped me with a {$98.00} late fee. This is highly illegal and unethical.
07/04/2017	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	CA 90807	Web
On XXXX XXXX, 2016 I submitted my last payment to One Main Financial in the city of XXXX in person to XXXX and my account was never credited nor did I receive my title. I was never notified of a foul play or robbery by XXXX. I visited my main location located at One Main Financial ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX and the manager stated that she would personally mail my title to me after she sent the requested documents to her corporation by fax. I never heard from her after numerous follow ups in XXXX and XXXX. I resent the documents in XXXX. I was told that the check I gave to XXXX representative XXXX was cashed by someone else. I never received a notice that there was foul play or a robbery by the management or carrier. Consumers have to know so that they can protect their assets. XXXX has yet to notify me. The only documents I received was past due letters and collection notices. The effort was placed on me as the consumer to prove that I presented a check to their company A full investigation should be done immediately for the consumers.
10/17/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	GA 30331	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXXXXXX XXXX Dear Sir or Madam, RE : Unauthorized credit inquiry While checking my personal credit report, which I acquired from the XXXX credit reporting agencies, I noticed inquiries made by Springleaf Fin Srvcs, XXXX XXXX, XXXX GA XXXX Phone : XXXX Since I have not, authorized anyone employed by your organization to make an inquiry personally or via the internet, you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. I 've a credit fraud alert attached to my file and have not been notified of such an inquiry. If this was an attempt to obtain services or credit, it was fraudulent. Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX
06/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93065	Web	Servicemember
Springleaf formerly AGF continues to report a debt on my credit report " Settled less than full ''. This debt is not mine. It may be a credit line opened by my wife. I believe she settled it in 2011. I did not co-sign or have any knowledge of the transaction. Springleaf reported it on my credit in an attempt to bully me into paying my wife 's debt. After it was settled by my wife they continued to report it on my credit. Over the last XXXX years I have paid all of my creditors and other than my mortgage I am debt free. My credit would be excellent except that this company keeps putting my wife 's debt on my credit report. I have spoken with them many times and they are unable to come up with any evidence that the debt is mine but they continue to report it. I have disputed it with XXXX and they come back " verified '' but wo n't cant produce any supporting documents or tell me how it was verified. My complaint is against Springleaf for deliberating putting incorrect information on my credit report and against XXXX for not properly investigating.
10/09/2018	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	MD 210XX	Web
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. I called One Main Financial for a payoff on the XXXX XXXX, which they stated was good for 30 days. Shortly thereafter, on XX/XX/XXXX, I received a check from One Main Financial for {$700.00} which I deposited. On XX/XX/XXXX I received a notice from One Main Financial stating I owed {$1000.00} because I no longer had insurance on a vehicle they were financing. I contacted One Main Financial in response to the correspondance I received and had a One Main Financial employee fax over the amount she said I owed. The fax she sent stated I owed {$420.00}. I contacted them to state I don't owe and that I received a refund check for {$700.00}. I have been receiving bills from One Main Financial for various amounts. On XX/XX/XXXX, I received a bill for {$760.00}. I do not owe the bill. Based on the refund I received, I believe that my car was paid off by XXXX XXXX. The amounts in question are an attempt to collect " FORCE PLACED '' insurance during a time when I no longer owned the vehicle.
10/28/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TN 37129	Web
This is supporting information just received to support my dispute of Springleaf Financial 's response to complaint Case # XXXX. Springleaf stated that they spoke to XXXX Mortgage about my loan and I was in foreclosure status ( which I was NOT ) : Please see paragraphs XXXX and XXXX on letter from XXXX XXXX that say their records do not indicate that I authorized any third parties to receive information for my loan ( paragraph XXXX ) and XXXX 's records do not indicate that they released any information to Springleaf before or after XXXX received payoff funds on XXXX XXXX, 2012. They ( XXXX ) goes on to state that the payoff funds were received in the form of a bank wire sent to XXXX by Springleaf " on my behalf '' ( Paragraph XXXX ) Also, the Payoff Letter cover letter ( from XXXX XXXX of XXXX ) shows that the payoff letter was faxed to my attention, but FAXED TO SPRINGLEAF 's FAX NUMBER. This supporting information should refute the statements made by Springleaf in their response to my complaint and show that my complaint is indeed valid.
11/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07307	Web
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from One Main Financial. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
11/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92503	Web	Older American, Servicemember
Im XXXX veteran, on XX/XX/XXXX I had personal loan with 36 % interest rates, l lost my job on XX/XX/XXXX. On XX/XX/XXXX one main financial modified the loan with 6.99 % adding the deferred interest {$920.00} to principal {$7200.00}, total of {$8100.00} payment of {$130.00} for 60 months, since XX/XX/XXXX, I paying the loan, after paying my payment on XX/XX/XXXX, after calling on XX/XX/XXXX and paying off the loan {$190.00} but on XXXX XXXX I was told there is deferred interest that I need to pay after XX/XX/XXXX that caused by {$30.00} not added to loan modification on XX/XX/XXXX, according to XXXX one main financial ( XXXX ) XXXX that we signed the loan on XX/XX/XXXX the total loan was {$8100.00} and why modified the loan and leave {$30.00} deferred interest. Payments : Since XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00} ... ... XXXX {$130.00} and last payment on XX/XX/XXXX {$190.00}, total of {$9000.00}. that exceeded {$8100.00}. The loan should by paid off by XX/XX/XXXX.
10/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27107	Web
In the month of XX/XX/2019 OneMain Financial debited my account twice within a two week span without my consent. On XX/XX/19 the company debited from my account {$150.00} and also on XX/XX/19 {$150.00} which caused me to go into an overdraft status. I contacted my bank. My bank closed the debit card down and had them to place the money back into my account after my dispute. On Wednesday XX/XX/2019 I had authorized online a payment in the amount of {$360.00} the company changed my information online and attempted to draft a payment in the amount of {$670.00}. The draft attempted to come through my account twice without success. Please see below : XX/XX/19 ONEMAIN FINANCIAL XXXX XXXX XXXX Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from ONEMAIN FINANCIAL XXXX XXXX XXXX Card ending in XXXX {$150.00} ONEMAIN FINANCIAL XXXX XXXX XXXX It only shows on text message where they attempted to run the {$670.00}. This is unethical practice from my understanding they are not suppose to change my information or go into my account.
03/28/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 98685	Web
Onemain Financial XXXX, WA XXXX ( XXXX ) XXXX My Husband and I have a loan through this company that we have been paying on since XXXX 2015. Onemain is reporting that we own nothing on our credit report that the loan was paid in full but we are still paying our monthly payment towards this loan. We are working with XXXX Through The Housing resource center which is HUD Certified and we tried to get onemain financial to printout our payment history from the time our loan was originated and they said they were unable to do that because they got a new computer system. Then a few weeks later we received a copy of our payment history when we went into the office and you can not even read the payment history printout that they gave us. They told us that is the only printout that they could give us. I am worried that we are making payments towards our loan and its not even being reported to the credit bureau. I would like to have this company investigated if possible to make sure they are complying with the Fair debt collection practice act.
04/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 94063	Web
I currently have a loan with One Main Financial for about {$7000.00}. At the moment I have been struggling since I am a XXXX XXXX XXXX XXXX and only work part time and have a child to raise on my own. I used a deferment for the month of XX/XX/2019 and proceeded to make a possible payment for XX/XX/2019. This company doesn't communicate with each other at all or even try and understand your situation. They are extremely aggressive by calling my workplace multiple times a day. It's embarrassing since I am usual at school most day and afternoon I get to my desk with notes and comments about how many times this company calls and harasses my coworkers to get a hold of me. I work late hours and try to communicate as best as I can my situation with One Main financial but they are probably the most disrespectful and unorganized company I have ever dealt with I think my car loan company is more understanding and patient than this people. Their motto is " lending done human '' there is NOTHING human about harassment and verbal aggravation.
05/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77346	Web
I obtained a {$5000.00} loan in XXXX in anticipation of having a tax bill and other expenses coming up. The girl that I signed the documents with only had me sign the signature pages and had me skip all of the other pages with the details of the loan to try to get me out of the door as soon as possible. They signed me up for online access to my account, but they did not give me any physical paperwork with an account number, loan amounts, interest rate, etc. I kept getting emails about statements being available, but didn't even have my login information that they set up on my behalf. I finally get logged in today and see that my {$5000.00} loan is listed with a {$5900.00} starting balance. I repeatedly told the girl that I did not want any insurance or any add ons on my loan. Apparently she didn't listen, the statements don't even list an interest rate, and my monthly payment is barely touching the principal on an amount that is not even correct! OneMain Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX
09/27/2017	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	WA 982XX	Web
I went to a cash maching to use a card from One Main Financial to get {$500.00}. It was a XXXX XXXX machine, the machine said the cash transaction was declined or was unable to be processed. Though the cash was never dispensed - the charge went on my card anyway. I called XXXX, the ATM service provider, and One Main. They all blamed each other and nobody would refund my money. I filed a dispute with One Main and they said it would take 10+ days. In the mean time I am out {$500.00}. One Main states they are acting on my behalf to resolve the situation but will not provide me with any documentation on what they are doing. I said if they are acting on my behalf they must provide me with the information on their efforts to resolve the situation - I was very clear with the representative and she refused and when asked several more times, I made clear what I was asking for - she continued to refuse. XXXX and One Main are both pointing the finger at each other and nobody cares that they took ( basically theft ) {$500.00} from me.
04/17/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MS 39402	Web	Servicemember
Around XX/XX/2013 I refinanced a loan with this company and surrendered my truck title as collateral. We set up auto draft so this company would always receive their payment on time. After paying off the loan I waited and waited but never received my truck title, finally I called this company only to be told they had mailed my title. I waited and waited again, 6 months had passed at this time and I started calling again only to be told they had just mailed it out. Again I have waited, called, left messages until I have given up and tried to apply for a replacement title only to find out this company is still showing my truck title with a lien against it, 2 years after it was paid off. I went by a local branch of this company and found out my title ad never been mailed, that it was sent to another branch over 400 miles away. Still I can not apply for a replacement title because this company is holding it hostage. I have checked all of my credit reports and it shows the account paid in full and closed, but I still have no title.
11/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 22191	Web	Servicemember
Plaintiff, XXXX XXXX XXXX, states his complaint as follows : Plaintiff is an individual who now resides in XXXX , Virginia . Defendants OneMain Financial Plaintiff entered into a loan agreement with One Main Financial XX/XX/XXXX. The original loan amount was {$10000.00} which was deposited in my XXXX XXXX account on XX/XX/XXXX On XX/XX/XXXX One Main mailed a statement which represented a balance of {$10000.00}. Plaintiff inquired about the {$500.00} increase and was informed that it was not part of the loan To date the account has not been adjusted. As a result, the interest rate ( MAPR ) exceeds the maximum interest under the MLA. COUNT I Violation of Military Lending Act 1. Plaintiff incorporates the previous allegations of his Complaint as if fully set forth herein. 2. Defendants actions as set forth above constitutes violation of the MLA. 3. One Main actions included undisclosed fees which was not verbally expressed to applicant. 4. In addition, One Main actions increased the MAPR over the maximum amount under MLA
08/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98012	Web
One Main Financial is a predatory lender. I took out a loan with them a couple years ago and fell behind on payments. Eventually they were able to rewrite the loan so I was no longer behind but they never told me that my principal and interest payments were changing. They are charging me over 90 % in interest. I pay XXXX per month and XXXX is going towards principle. There is no way this loan can be paid off within the terms that I signed the contract. They never disclosed to me the interest rate would jump up to 90 % if the loan fell behind due to me being unemployed. These are dishonest and deceptive practices and One Main needs to fix my loan so that I am able to pay this off in a reasonable amount of time. This is not right and they refuse to fix this issue. They lied to me and now are trying to go after me for not paying my loan but they are robbing me on interest. This loan should be paid off in the time frame agreed and the principle and interest needs to be fixed. They never told me or disclosed this interest rate.
10/19/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 456XX	Web
I have a loan with Springleaf Financial services through the XXXX Ohio Branch.. I have had financial difficulty for a few months and have not been able to pay my agreed payment in a timely matter. The branch manager called me at work XX/XX/XXXX I believe. I work for a collection agency and all of our phones are on a recorded line. I ask him to not call me at work do to the recorded line and told him I would call him back. He continued to discuss my default on this call, I hung up on him. When I got off work I called him, I explained to him about the recorded lines and that all collection agencies have them. He said " that 's not true my lines are n't recorded and I am calling to collect on your loan '' and giggled. I again ask him not to call me at work. He said ok and thanked me for scheduling a payment. On XX/XX/2016 he ( XXXX ) called my work again and left a message with a co- worker to have me call him. I should not have received another call at my work number after telling him XX/XX/XXXX not to call me at work..
06/22/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 62301	Web
In XX/XX/2018 I was contacted by a lawyer claiming to represent a creditor I owed from a loan. I made payment arrangements through said lawyer to avoid going to court. The amount due to the creditor was agreed upon as {$2400.00}. I made {$360.00} in payments between XXXX and XXXX of 2018. In XX/XX/2018 I noticed on my credit report that the balance was being reported as {$2300.00}, which is entirely incorrect as I had made payments which indicated my balance was {$2100.00}. I disputed the account through the XXXX Dispute process and the account was removed due to an incorrect balance being reported. Today XXXX XXXX, I received in my regular mail a notice of hearing for this account in which the lawyer is attempting to reinstate judgement due to failed payments. On the lawyers Motion he states that as of XXXX XXXX I have not made payments as agreed which is entirely false. They also state the judgement amount should be for {$2200.00} plus court costs which is also incorrect due to the payments I had previously made.
10/18/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77063	Web
Have never heard of the company and they have never contacted me and have never provided any proof of this loan. Despite repeated requests to validate. As a Texas resident according to what they placed on my credit bureau reports, last payment activity was XXXX, over 4 years ago. Even if it was valid, which it is not, they are barred by Texas law since the last date of activity was over 4 years ago on XXXX and it is XXXX. 4 years and 3 months, past the Texas statue. They continue to update my credit reports with nonsense information like " skip, bad debt, placed for collections, etc. " I have good credit going back 25 years and same phone number for 16 years, same email address for 16 years and save mailing address for over a decade. There are no negatives on my account and I have positive credit in the good to very good range across all three bureaus and my address ' that are reported are current. The " skip '' comment that they are reporting is totally invalid as nothing has changed in over a decade.
05/04/2018	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	FL 33322	Web
I CONTACTED XXXX AND ONE MAIN FINANCIAL ALREADY REGARDING THIS ISSUE I HAVE HAD A FRAUD ALERT POSTED TO MY ACCOUNT AND HAVE MY CREDIT FILE LOCKED.. I AM DISPUTING ( 2 ) CREDIT INQUIRIES MADE BY ONE MAIN FINANCIAL THAT I DID NOT AUTHORIZE WHEN I GOT MY ANNUAL CREDIT REPORT I NOTICED THESE INQUIRIES.. I FAXED A LETTER TO ONE MAIN FINANCIAL ON XX/XX/XXXX REQUESTING VALIDATION THAT I AUTHORIZED THIS. I GOT NO RESPONSE WITHIN THE ALLOWABLE TIME FRAME.. SO I FAXED A REMINDER LETTER ON XX/XX/XXXX AGAIN REQUESTING VALIDATION ... TOWARDS THE END OF XXXX I RECEIVED A LETTER FROM THEM STATING IT WAS FROM SPRINGLEAF FINANCIAL ( WHOM I NEVER HEARD OF ) BUT YET STILL NO VALIDATION SUCH AS COPIES OF THE APPLICATIONS SHOWING I APPLIED FOR THIS LOAN.. NOW THEY ARE OUT OF TIME.. I WANT THESE BOGUS INQUIRIES REMOVED.. THE DATE OF THE INQUIRIES ARE : XX/XX/XXXX AND XX/XX/XXXX ... AGAIN NEITHER ONE OF THESE DONE BY ME .... I DEMAND THESE BE REMOVED AT ONCE .... I ALSO CONTACTED XXXX TO REVIEW THIS INFORMATION IN DISPUTE ....
01/04/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 618XX	Web
I do consistently run XXXX weeks behind on my vehicle payment. The payment is never made more than XXXX days late. One Main Financial calls my cellphone numerous times per day, and today every hour on the hour, once my payment is XXXX days late. They can see my payment history. This loan is XXXX years old. They send repeated letters in the mail to me where " they '' have scheduled " me '' to come in to their office for an appointment to discuss my loan, and my loan is never more than XXXX days late. This is utter harassment! They repeatedly send appointment notices in hopes of bullying me into deferring my payments. I do not want to defer. I do not want to prolong this loan and have to deal with them any longer than I have to. I do not want to pay more interest at XXXX % ( ridiculous ). I simply want to pay this off and get away from them. They are never able to report a more than XXXX days late to the credit bureau because my payment never runs that late, but it does run behind. The harassment is ridiculous!
09/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 645XX	Web	Older American, Servicemember
Loan was initiated on XX/XX/XXXX for {$7400.00} with XXXX XXXX in XXXX XXXX, MO which became One Main Financial. In XX/XX/XXXX, experienced financial difficulties and contacted XXXX XXXX XXXX. They were responsible for negotiating the interest rate and payment amount with creditors including One Main. After one year with XXXX, we got back on our feet and began making payments to One Main our selves. It was later on that I noticed that all of our payments were going to interest. I have contacted the company twice and they seem unresponsive with all my payments going to interest. As of XX/XX/XXXX, the balance on this loan is {$5400.00}. I have made over {$17000.00} in payments. The total amount of payments on the original contract is {$15000.00}. I have been late on some of my payments but this amount seems ridiculous. I have had XXXX XXXX, I have XXXX, and I can not work. I submitted a letter to One Main asking for some compassion with this issue. But they refused to do anything. So I decided to contact you.
08/27/2018	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	NY 11236	Web
I received an offer in the mail for an " additional loan ''. I applied and received an email stating that I was " Approved for [ my ] loan offer ... '' as long as I verified income, identity, etc. This was confirmed on my account page with the company, which states, " Your documents have been reviewed and approved We are currently finalizing your application. A branch representative will reach out to you to you to set up time to begin your loan closing. '' I also received an " approval '' message on the webpage after submitting my application. I didn't hear from a rep. so I called, but was told, " I'm not approved and will receive a letter in the mail detailing why ... '' despite having an active and recent loan with the same company. I'm okay with the denial, except I was being deceived throughout the entire process to submit information and contact the local branch to " close '' on a loan. It was a waste of my time that affected my present and future financial planning and has led to losses on my part.
05/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 74701	Web
We have called XXXX XXXX to have them explain how a loan balance of XXXX accrued XXXX of interest in 13 months. On XX/XX/XXXX, a payment of XXXX was applied to my account. This left a balance of XXXX. The office in XXXX informed my wife that they could not accept a full pay off from her because she was not on the loan. This was really odd to us. On XX/XX/XXXX, we paid off the loan. The pay off amount was XXXX. I still don't understand how they came with this pay off. The interest rate on the loan is 25.00 %. When I calculate the interest based on the loan amount, the interest should be around {$37.00}. I have been sent a copy of the my agreement but I can't find it were is states I'm responsible for the full amount of the interest of the loan assessed on the full loan amount for the full term no matter when I pay it off. I did find a " Prepayment '' section stating that I would be refunded the unearned portion of the Finance Charge interest if the loan was p. As of today, I have not received a refund.
06/09/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 92545	Web	Older American
Spring Leaf ( Formerly .XXXX ) had a loan on our house at XXXX , we paid every month for 180 months when the economy wen belly up in XX/XX/XXXX we called them immediately an let them know that we needed a modification, They responded by plastering forclosure notices all over the property, they kicked us out, and auctioned the property on the courthouse steps in XXXX XXXX , They robosigned the papers that is how they worked so fast. They called us up and told us that we qualified for a modification a HARP loan. trouble is they already sold the house. we moved to XXXX into a mobile home. since AGF sol the house for less than what we owned them they should have adjusted our biill accordingly, When I pulled a credit Report on XX/XX/XXXX I saw that SPRING LEAF formerly American General Finance had a balance of XXXX and Change since they admitted they made a mistake in taking our house and that we qualified for a HARP loan or modification, we feel that Spring Leaf or American General should make us whole again
12/07/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	IL 60172	Web
On XX/XX/XXXX, we send a letter to OneMain Financial Group in regards to a letter they sent us dated XX/XX/XXXX that our mortgage in the amount of {$4200.00} was transferred to them on XX/XX/XXXX. We attempted to call them seeking what is this. We were asked to provide personal information. We were leery of this so we generated and mailed out a letter seeking documentation of this mortgage debt. Nothing was provided. We received another letter from them stating the same amount but a different transfer date. It went from XX/XX/XXXX to XX/XX/XXXX. This must be a scam since we do not have a mortgage in the amount of {$4200.00} that was originated on XX/XX/XXXX. The co-borrower, XXXX XXXX, is my husband and we married on XX/XX/XXXX. Any debt occurred after this date would have been in my married name as XXXX XXXX XXXX versus XXXX XXXX. Also, for all financial transactions, we both utilize of middle initial. OneMain Financial has not provided us with any documentation or who the previous lender/servicer was.
04/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO XXXXX	Web
About XXXX XXXX , XXXX , I received in the mail a notice of pre qualification for a loan f rom One Main Financial . On their website, I supplied some information to see what loan amount I would qualify for. I received an email stating my loan was approved for up to {$12000.00}. I took in my information t o the One Main location on the mailing. I was told I would qualify for {$6000.00}. I was also told to submit more information which I did, including my finished XXXX tax returns that showed an adjusted income of {$56000.0 0}. Ione Main Financial sent me a denial of credit stating my income was not enough to qualify. Then, about XXXX XXXX , XXXX , I received another notice in the mail from One Main Financial that I pre-Qualified for {$5200.00}. One Main kept running my credit report which caused my credit score to fall due to to many inquiries, making the loan I did receive with another company on XXXX XXXX , XXXX , more expensive, due to the increased interest rate. This is not right.
11/25/2017	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	MI 48209	Web
After reviewing my XXXX credit report I noticed an Inquiry on my report from One Main Financial that was reported on XXXX XXXX, 2017. I personally did not authorize to have One Main Financial review my credit report. I sent them several letters including an Affidavit affirming the veracity of my statement that I DID NOT agree to the inquiry. As well as 3 other letters asking them to remove it. They sent back XXXX generic letters claiming that I inquired for a loan online. I disputed that I did so and they sent me an application that was filed in my name WITHOUT MY SIGNATURE. I am stating that I am a victim of identity theft and they are not even acknowledging my correspondence. I sent them a letter stating that I will be complaining and considering suing them and they still sent me another generic letter about me applying online. I am EXTREMELY UPSET that they are not investigating this matter or removing this inquiry! They are just ignoring my correspondence including an Affadavit signed by a Notary!
08/04/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	DC 20032	Web	Servicemember
I had a second morgage on my old house with my exhusband. We were divorced and I have a quit deed on the property, as well as my exhusband taking full responsability for the loan on my divorce decree. The issue was it was a secure open line of credit so they still were holding me accountable for the payment. Intially Springleaf told me they were going to take me off the loan. AlI I needed to do was send them all the proper documents, which I did but they never took me off. I disputed the loan several times and it came back that I was responsable. Last year my ex decided he was going to stop paying the loan and now the loan has went into default and I have a negative charge on my credit. I again decided to contact springleaf about the issue and included my SCRA trying to come to a resolution but I never got a response back. I seeked help from a finacial advisor and was told to file a complaint here for help. I am an Active-duty Service Member and was told that my case should be handled by XXXX office.
10/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NJ 074XX	Web
on XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into One Main financial business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. OneMain did not do their job in my eyes. They checked the name, address, place of business only. this is a gross injustice. to make matters worse, when i contacted the number to One Main that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. Please let me know if there is anything you can do to help
12/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 43040	Web
my personal loan with one main financial was paid off early XXXX by mariner finance as I needed a slightly larger loan to do home improvements. I sat down with XXXX and called the XXXX XXXX one main financial office, and they faxed the current payoff to marnier. I then signed the loan paperwork with XXXX and XXXX hand delivered the payoff check that day to One main. I just received a bill from one main stating that although I made a large payment i 'm still expected to make my monthly payment and that I still owe {$1700.00} which is clearly impossibly, when I do the math though this would be the total interest I would have been charged if I took the loan with one full term. That is illegal you can not precharge a customer interest. IF the payoff they faxed mariner was not correct then that is on them, they have a responsibility to send a correct payoff at the customers request. This loan needs to marked paid as full, and I better not receive a late fee or incur anymore interest.
12/02/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32904	Web
I have XXXX issues with Springleaf Financial. First issue, I am not receiving statements from this company, they state that statements are a courtesy to the customer. They reported me 60 days late last month after I supposed did not make payments on the account. Which is ridiculous, why would I be late on a loan after building a relationship with this company for over 10 years? I believe the reason, that I am not getting statements is that the branch manager, XXXX XXXX, is discriminating against me is because I filed a complaint with the FTC this year, when her employees would not stop calling me at work. I have cell phone records and emails where I told her employees not to call me during my work hours. There was no reason that they could not call me on late evenings at Springleaf and tell me that my payment was due. I would also like to add that for the majority of this loan, I have paid additional on my monthly payments. On at least, XXXX they have misapplied my payments.
12/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93065	Web
I have several issues with this company. When I first applied for the loan, I was told by several people at the office, including the branch manager, XXXX XXXX, that this was a simple interest loan and that I could make extra payments directly to the principal of the loan if I sent it to the office directly with the phrase " Principal Payment '' on the check. Furthermore, when I paid extra on the website and the payment was divided by the normal schedule instead of a principal payment, I was again told by the staff at the XXXX XXXX, CA branch that I should have sent it to them as a principal payment. Well, I recently decided to start paying this loan quicker and sent them a payment directly as I had been told multiple times. XXXX XXXX actually called me to tell me that they could n't do that and that I would be paying the loan as agreed in the schedule. When I asked XXXX XXXX about what he has promised me, he refused to respond other than to ask me what to do with the check.
08/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 39401	Web
These people are very unprofessional! First I refinanced my loan with them only getting {$100.00} out of it. When I went in that day, they had a kitten that they found outside locked in a room in the back! No food or water! Then XXXX put " optional insurance '' on my loan but didn't tell me it was optional! I had to call corporate and have them take it off. Third, on Friday XX/XX/19, XXXX XXXX called me at work! On my work phone! When I told her I needed something sent to me to show what I owe because I was about to file bankruptcy, because they never gave me any paperwork, she LAUGHED and said I couldn't file them on bankruptcy because I hadn't made my first payment. They let me skip my payment for XXXX, for " customer appreciation '' month but didnt tell me I was going to have that interest put on my first payment after I refinanced! I'm very dissatisfied with the way they do their customers and after reading other reviews about them, I'm starting not to trust them at all!
06/21/2018	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	SC 29673	Web
Back in XXXX I got a Title Loan through One Main Financial. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with One Main financial removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.
04/08/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95403	Web
Hello Approximately 2 weeks ago I had noticed a change on my credit report Springleaf Financial ( Now OneMain ) had deleted the current loan I am paying on from both my XXXX and XXXX Reports. So I called Springleaf ( Onemain ) AND Spoke To XXXX in their Credit Reporting Department ( XXXX ) I asked her the reason for the deletion her response was since I am paying my loan back via a Attorney That OneMain is not required to report on the individuals Credit Reports it 's according to OneMain Polices. I did n't know this was aloud do to the Fair Credit Reporting Act. I was never informed of this policy. Late last year Springleaf Financial Changed names to OneMain again without informing myself. I had previous loans that are paid and over 7 years old that can be removed from my reports. XXXX informed me that if I want to remove or dispute items on my reports that I need to call her directly instead of thru the dispute process on XXXX or XXXX can she make that kind of statement?
01/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29412	Web	Servicemember
I contacted One Main Financial for an installment loan of {$1500.00}. I was contacted promptly by the store located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. After leaving the store I realized I was also sold various insurances that I did not need for another {$1500.00}. So even though I only needed a {$1500.00} loan I was sold a {$3000.00} loan. I 've ran into some issues paying the debt due to a increase in child support. I contacted One Main Financial and asked that the insurances be canceled and a final balance sent to me for payoff. The company has refused and instead started a constant barrage of phone calls to myself, my employer, family, and parents. They call at least 10 times per day and my employer is getting upset. My parents are also upset as they are over XXXX years old with XXXX XXXX. Yesterday, my parents were waiting on a phone call from the XXXX XXXX. regarding a XXXX XXXX XXXX result. Instead they were met with more calls from One Main Financial.
02/14/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19382	Web
My problem is with the company One Main Financial of XXXX, PA. I had fallen behind on payments this past XXXX, around XXXX or XX/XX/XXXX due to a temporary set back from illness. Someone named XXXX called & left messages on my cell, which I am fine with. However, he then, left a very detailed message on my work phone. This is a number & voicemail that my boss & co-workers have access to. The following day, he called again on my work number. I answered & told him that it was my work number and to not call it again. In the months that followed, I got caught up on my payments. However, a few weeks ago, I had a complication during a medical procedure & had to stay in the hospital for a few days. So I'm late again with my payment, which I full intend to get caught up on as my situation is temporary. Immediately, I began receiving the calls including, two more phone calls on my office phone, the number that they were told to NOT call, the most recent being today, XX/XX/XXXX.
10/12/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	NC 28205	Web
This complaint is with One Main Finacial in XXXX, NC. An employer there called my place of business, XXXX XXXX XXXX, as I am a XXXX. She called about a late payment on XXXX XXXX, XXXX in the XXXX My payment is not due until XXXX XXXX, XXXX. A deferment agreement was signed on XXXX XXXX, XXXX to skip the month of XXXX as we tried to be proactive and realized we wouldnt be able to make XXXX payment but would be back on track in XXXX. One Main has my cell phone and my wifes cell phone. My wife was never contacted. They called my employer first and when payment isnt even due. Their response when I called was that, well you called back, and that they never received the deferment. When I asked for an email to send them th confirmation email I received when I requested the deferment, I was given one, but told it probably wouldnt work. They have been repeatedly told not to contact my family, other than my wife, and under no circumstance to contact my employer or wifes employer.
01/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 452XX	Web
I took out an installment loan XX/XX/2016 for {$1700.00}. They paid off the balance of my car which was {$600.00}. When I signed my final loan papers, my payback the was on the screen stated {$2600.00}. I was off sick XX/XX/XXXX and when I looked again, my total payment for this loan was {$4000.00}. I immediately contacted them and asked them why it went up so much and they said this was the original amount. I tried to pull up the original info I signed and it wa sno longer available. I asked them how could they possibly charge me almost {$3000.00} for a {$1700.00} loan?? The interest rate is almost 591.00 % which is ridiculous! But with loop holes being in the Ohio consumer loan process, they get away with predatory lending which this is. They offer a loan amount to those who have bad credit and then charge a high payback along with ridiculous interest rates and fees. My car was almost paid off and now I am back in the whole with a 10 year old care fore 3-4 more years.
11/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85202	Web	Servicemember
Im a victim of identity theft. Someone stole my identity and applied and opened a personal loan account with One Main Financial on XXXX.The personal loan account is fraudulent, unauthorized and not mine. I have mailed and sent numerous letters of disputes to One Main Financial for the last 7 months in regards to the fraudulent account, and I havent not heard back or received any correspondence from One Main Financial for 7 months. I been receiving harassing and threatening phone calls of profane language, verbal abuse, threats of legal action, wage garnishment, arrest, jail and prison for over 7 months at home and work at XXXX XXXX and after XXXX XXXX from One Main Financial debt collection call center representatives, for an account thats fraudulent, not mine, and a debt, i dont owe. One Main Financial is in violation of The Fair Debt Collection Practices Act ( FDCPA ). My social security number listed on the fraudulent account is : XXXX, Date of Birth is : XX/XX/XXXX
03/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95111	Web
Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ). Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from ONE MAIN FINANCIAL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to one main financial and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from ONE MAIN FINANCIAL and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
07/27/2017	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	OH 447XX	Web
I constantly monitor my credit with XXXX XXXX . XXXX XXXX always shows you cards you have a good chance of being approved for and offers you to get pre qualified for loans, I just looked at companies I could get pre qualified for and that was it. I never agreed for my credit to be pulled. One Main Financial pulled my credit to approve me for a loan that I did n't want. I NEVER agreed for them to pull my credit and I never accepted a loan from them! I called them and explained this so they would take the inquiry off my credit. The people I spoke to were very rude and did n't care and basically said it was my fault and they were n't going to take it off. I filed a complaint with the BBB and they tried to contact them 3 times to resolve it but they never replied to the BBB. This loan company is sketchy and they are being too pushy with consumers for loans. I want this inquiry off my credit from One Main Financial that took my credit score down XXXX points.
04/05/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30331	Web
One-Main Financial has been unable to provide me with accurate information regarding my loan. I have requested copies of my payment history and payoff info. When in arrears less than a few dollars, I have been called and harassed up to 10X per day on my personal and work numbers. Yet, when I attempt to call and request my info, I am treated with nothing but contempt from the staff. The worse is the call I received today. I was greeted by " XXXX '', and she displayed nothing but awful representations of character. As I was requesting information from her, she continuously criticized MY character regarding my payment history. I am not paid on a regular cycle, this was explained to them on numerous occasions. But I have being harassed and spoken to in such and unsavory way. I also have concerns about how One-Main aka XXXX aka Springleaf has been conducting business as of late. Their lending practices are on the verge of loan-sharking, with bullies as enforcers.
10/05/2019	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	CA 92011	Web
On XX/XX/19 I contacted OneMain Financial for an installment loan of {$1000.00}. I specifically specified that I only wanted an installment loan of no more than {$1000.00}. I made it clear four times that I didn't want a title loan, and therefore not to run my credit report if it was going to be for the purpose of a title loan. When they got back to me, she said I was approved for a refinance on my title loan. I had been clear that I didn't want a title loan, yet they ran a hard hit on my report. I did not accept their title refinance loan. Please support my case against Onemain Financial. XXXX XXXX deliberately did a hard credit report inquiry against my permission and after their supposed credit approval tried to sell me to a title loan that was indeed a refinance to my existing title loan. At the start of the process, I made it super clear that I did not want a title loan and that I only wanted a {$1000.00} installment loan and definitely not a title loan.
07/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	KY 407XX	Web
The complaint starts with a personal loan that was taken out by me and my mother from One Main Financial. The loan was in my name and my mother cosigned for this loan. I stopped paying on this loan when I was fired from my job. My mother became very ill and I stayed home to take care of her because she became XXXX. She then passed away XX/XX/XXXX. I had not been able to pay on this loan for the 2 years I was off work and taking care of my mother. Starting XXXX XXXX my wages were to be garnished for {$8900.00}. As difficult as it has been losing at least {$250.00} every 2 weeks and raising XXXX children I understand this is my debt. My complaint is that now that this is almost paid in full which included the interest on the loan, that the Judgement Creditor is going to charge me 12 % interest on top of the interest already included on the balance. I do n't understand why I am being charged interest on top of interest. Can you please help me to understand that.
08/14/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MO 63135	Web
One Main Financial ( formerly known as Springleaf Financial ) has conveniently terminated a loan contract ( XX/XX/XXXX) that was supposed to be covered by XXXX payments through XXXX XXXX XXXX for account # XXXX. All required paperwork was completed and approved by my doctor, myself and XXXX from XX/XX/XXXXthrough XX/XX/XXXX. However, I just discovered that One Main Financial has recently decided to forfeit the contract and claimed that it expired although theyre at fault and have added frivolous and erroneous fees to the account. Furthermore, they have erroneously turned over the account to a collection agency. This will result in additional fees from the collection agency, ruin my credibility and credit report. I attempted to discuss and resolve this issue with XXXX, One Main Financial Branch Manager, however, he refused and threatened to call the police because I asked for an explanation and informed him that I intend to sue for bad business practices.
10/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 610XX	Web	Servicemember
My name is XXXX XXXX. I took out a loan from Springleaf in XXXX, IL with good intentions to pay it back, but with an extended stay in the hospital ( 1 month ) I am now in a financial hardship so I am now having a company help me with all my debts ( National Debt Relief ) I got a packet from this company who is helping me and inside this packet is a letter that I can give to all my creditors to stop calling. I signed this letter and mailed it to Springleaf in XXXX, IL on XXXX XXXX, 2015 certified so I know they have it as it was signed for. Since XXXX XXXX, 2015 till today XXXX XXXX, 2015 I have received 31 calls. I have an attorney through XXXX XXXX XXXX but I wanted you to know as well about this company and what its doing. I have ask numerous times to please stop calling me after I wrote the letter but they have verbally threaten me with law suits or cursing me or even insulting me verbally. I really want this to stop!! Thank you so very much
04/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29316	Web
Citifinacial received a default judgment against me in XXXX XXXX. In XXXX XXXX I settled the charged off account with Citifinancial. Since XXXX I have attempted to work Citifinancial and XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, SC office to get a Satisfaction of Judgment submitted to XXXX County Clerk of Court. Attached is a copy of the settlement offer and also a copy of the letter I received from Citifinancial showing the charged off account was satisfied. They refuse to submit the satisfaction of judgment information and this continues to negatively affect my credit standing and causes me to incur higher interest rates and fees or being outright denied credit. I am also submitting a complaint to the Consumer Financial Protection Bureau, XXXX, as well as seeking legal representation for damages caused by Citifinancials ' inaction. Judgment number with XXXX County : XXXX Account Number with Citifinancial as shown on credit report : XXXX
12/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92649	Web
I opened a loan with Springleaf financial in XXXX at the XXXX XXXX Branch on XXXX XXXX califonia the payments were XXXX for four years the loan was to mature on XX/XX/XXXX I made several late pmnts however their was period of time where payments got lost especially in XXXX when Springleaf sold to one main financial I had a gentleman XXXX XXXX re amortize and fix my loan and they said my loan would be paid in full XX/XX/XXXX as per the agreement In XX/XX/XXXX they told me the loan matured but I still owed XXXX because of all the payments going to interest I have tried to resolve and no luck They then forced me into my first 30 day delinquency in over a year by demanding I set up post dated checks when the date came and I needed to change the date by one day they wouldn't let me and instead forced me into a bounced check and fees and now they dinged my credit report I dint think I will ever get this loan paid off I have aid them XXXX as of date
12/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 08054	Web
One Main Financial is reporting incorrect loan information to all XXXX of the credit reporting agencies. The loan I took out was established XX/XX/2015 as an unsecured personal loan. This company is labeling the account an auto loan and reporting it the same. This information is incorrect and I 've disputed this with all three credit reporting agencies faxing proof of documentation from my existing loan forms to them. XXXX is the only CRA that is still reporting after 30 days of review/research as this is still a valid coded account. I 'm still waiting for XXXX and XXXX to report back their finding/investigations. I 've also contacted the merchant, One Main Financial regarding this inquiry/complaint and they have yet to address this problem. They are refusing to speak to me regarding disputing my account and how they are coding it to the credit report agencies. ( One Main Financial, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, NJ XXXX, XXXX ).
02/28/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 60624	Web
In XXXX of XXXX a fraudulent application for a loan was made with my personal information online. One main financial contacted me by phone to ask me to come into their office to fill our paperwork to complete the process. I informed them that I did not apply for a loan with them in XX/XX/XXXX. The person I spoke with said they would stop the loan process. They also informed me that I needed to send them a letter so they could delete the fraudulent inquiry from my credit report. I sent the letter to them in XX/XX/XXXX. They sent a letter back basically saying because it was an online application that they would not delete the inquiry. That makes no sense. I told them it was not me at the time this happened. My credit is suffering because of something I had nothing to do with. I am attaching my initial letter to them - their response letter - and a notice from XXXX where I alerted them that this was not me applying for the loan online.
02/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MN 55432	Web
Accidentally paid off loan twice I thought. One main financial would n't talk to me for a year and a half until i had the XXXX Attorney generals office contact them. They finally contacted me after they contacted them regarding this matter. In talking to them and verifying payment. I found they received the certified check and cashed it. But they did not receive or cash the check from Home title company. So now One Main Financial has not reported to the local county that the loan was satisfied or the credit bureau. Also Home title will not release the funds until One Main Financial does so. So the title company have held onto my money for almost two years now without notifying me and no indication of when they will release it even though i provided proof that the loan had been paid in the form of a certified check. Also One Main Financial has not provided proof to the title company, the county that the house was sold, or the credit bureau.
07/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NV 89135	Web	Older American
This is a complaint regarding Springleaf. My husband and I borrowed money from American General apx 16+ years ago. My husband passed away in 2012. The highest loan balance was apx {$20000.00}. I still owe {$14000.00} on this loan despite making monthly payment for all of these years. Current interest rate is 22.9 % and my monthly payment is apx {$300.00} which barely pays the interest. I asked for a printout of my loan payments, and could not understand what I received. I am sure I have paid over {$50000.00} on a {$20000.00} to this date. Springleaf has made more than a fair " return '' on this loan. They, American General, and I believe at one time it was XXXX are loan sharks. I will never get this paid back. The loan is still in both my husband and my name. I am XXXX XXXX XXXX. This money borrowed to finance a children 's rights lawsuit. No, there was no life insurance from my husband to pay off this loan. The XXXX home took all of it.
02/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34957	Web	Older American, Servicemember
On about or about XXXX 2019 I applied for a new loan with XXXX XXXX, they denied my loan but sent me to One Main they might help! I applied and was subsequently denied by One Main.Since then everyday i was getting letters from One Main saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called ONE MAIN i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted XXXX XXXX they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.XXXX XXXX said they are investigating it.XXXX XXXX should be held accountable for partnering with a scam lender
10/17/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IN 47331	Web	Servicemember
I have called the company on and spoke with representatives there XXXX times about this issue about my balance. I have been to the balance will update by the middle of the month. This has not happened and the old balance is still reflected and now their is a new balance required that I do not intend to pay before contacting legal counsel. This company appears to disregarding my last payment XXXX entirely. The showing balance of XXXX was my last statement balance and I have the records to prove this. Notwithstanding I stay updated on my account with this company at all times. I have had trouble with this company and I have another complaint for which is being addressed also. Nevertheless, my balance is improper and is XXXX plus accrued interest but not XXXX. Essentially I am paying principal now. I believe this is part of a harassment attempt by this company as your records ( at cfpb ) shows past complaint ( s ) against this company.
09/12/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CO 80132	Web
I have made my payments online through my XXXX Bank bill pay. Your company has received these checks, cashed/deposited them. Yet your staff continues to call, stating I have not made my payments. They are rude, unprofessional and raise their voices to me. I have the cancelled checks through my bank showing you have cashed/deposited them. Then you charge me " late '' fees when I am not late. This is against the law. I have filed complaints today through XXXX agencies about unfair practices, charging late fees and harassment from your staff. I have proof of these payment via cancelled checks. This site does n't allow me to attach the checks. I can attach these checks showing they were paid/deposited by Springleaf before their due dates. Since Springleaf has taken over my loan this is the XXXX or XXXX occurrence illegally charging me late fees and falsely accusing me of not making payments after you have cashed my checks.
06/07/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	GA 30097	Web
Springleaf finance in XXXX Ga. back in XX/XX/2015 I call Springleaf about a loan of XXXX dollars and to pay in full in 36 months, I was told to come in the next day bring my wife to co-sign on the loan which I could got on my own. Me and my wife was told the loan was for 36 months on the paper work was 36 months which we both read in full we e-sign to loan papers but the lady said there was a mistake on the paper work and had to reprint the loan paper work but was very, very nervous shaking with this new paper work I read and e-sign the loan of 36 months my wife read and e-sign the same paper on 36 months, the woman was shaking so bad after we had sign the papers when was giving them to us alone with the XXXX dollars. we got home we found out the there was a bait and switch on the paper work of 48 months which we both read before signing of 36 months please check the hard drive on there computers if they haven't erase it.
09/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60623	Web
in XXXX of XXXX I came into One Main financial to get a loan and was approved. The loan officers name was XXXX XXXX. I filed the appropriate paperwork and the loan XXXX asked me if I wanted the insurance that came with the loan and I told them NO. I did not need the insurance which included life insurance and medical insurance because I already had my own personal policies. The loan XXXX then showed me a different price that was lower than the initial monthly payments and told me that that was the pricing WITHOUT insurance. I said ok. Later down on the line I end up checking my account and see that the Loan XXXX still included insurance in my loan when I clearly asked her not to! And the company told me I had to come in person to take the insurance off and that the would not reimburse me for the months Ive been paying extra for insurance. Total ripoff. I do n't care how small the amount is, its the principle that matters.
08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95747	Web
On XXXX I received a preapproved offer through XXXX XXXX for a XXXX unsecured personal loan at just over 23 % through One Main Financial. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of One Main and was told I could write a dispute but it would not change anything .
07/21/2018	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	MD 21401	Web
One Main Financial reported me late in XXXX with XXXX AND XXXX. The account was paid in FULL and closed beginning of XXXX. I spoke to someone end of XXXX and advised them that payment will not be paid till Beginning of XXXX. I had set up a payment with a representative and she assured me I was not going to be reported late. That was not even a concern when we spoke. I should not have been reported late to begin with. This was a loan that was with Springleaf and One Main took over. They are reporting inaccurate information. I am unable to get employment because the potential employers check scores and my scores dropped 16 points because of this. Since the account is paid in full I don't see a problem with fixing and deleting this delinquency which is not even accurate. THEY NEED TO PROVIDE WITH MY PROOF AND DO AN AUDIT ON THIS ACCOUNT SINCE IT WAS OPEN TO CHECK IF IT WAS ACTUALLY LATE. ALSO SHOWS LATE FOR XX/XX/2016.
04/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53204	Web	Older American
On XX/XX/XXXX I asked for a personal loan from XXXX XXXX XXXX XXXX XXXX. for {$500.00}. After that I was paying on cash back to the loan. After 5 years of paying the minimum payment I still have the debt but now the debt increase because they said that issued a check for {$1000.00} written XX/XX/XXXX and {$700.00} of XX/XX/XXXX.The problem is that I never received those checks. Then I started investigated by myself. I hired an Attorney but anybody gave me a good answer. I obtained a copy of that check, proof 1 back and fort of the check No XXXX. the said that my complaint did not proceed because the check It was signed for me. The reality the check I have never signed or received. During that time I was in the hospital. Until today after fighting 2 years trough attorney, and letters.. I still have problems with the check. Any body believe me. I am desperate everybody said that I can not do anything about that debt.
10/25/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 460XX	Web
I currently have a personal loan through OneMain Financial. I have never missed a payment for the life of the loan. I usually mail my payments in, so typically the postmarked date is used. Also, on their payment form, there is a payment due and a payment due 10 days or after date. However, their office in XXXX, IN where I originated the loan constantly calls me the day it is due and every day after. I contacted their corporate office and explained what was going on, and XXXX at the XXXX office contacted me and let me know that they would give me a 10-day window before calling. Within the last 3 months, XXXX at the same office has started calling the day it is due and so on. On XX/XX/XXXX I received a phone call, a page, and an email all within 5 minutes. NONE of my other creditors or utility companies use these practices, so I can not believe that these actions are legal. These practices are predatory at best.
09/02/2016	Yes	Consumer Loan Title loan	Received a loan I didn't apply for	FL 33771	Web
onemain is on my credit report as a hardpull i have never applied with them so when i called the place to check on this the man that answered said that XXXX was the one that caused this and he just had another person with the same issue ... i said no matter what your name is on my credit report and i wanted it pulled off ... it got nowhere i called XXXX and they do n't even have me on there records ... funny thing the onemain had my file and i did n't even apply with them because he brought up a account of mine and asked what that was about ... i just want the hard pull off my report as i already have a id fraud issue going on and have to do all the foot work myself..after 53 years of raising my kids with just a bank account and debit card i apply for credit and see a whole bunch of id fraud..and people wonder why i never wanted credit ... lol here is the info, ONEMAIN FINANCIAL XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
10/24/2017	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	PA 178XX	Web	Servicemember
I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( XXXX, XXXX, and XXXX ) being reported by Springleaf ( OneMain Financial ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked Springleaf ( OneMain Financial ) as a Goodwill gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that Springleaf ( OneMain Financial ) will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
05/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	IL 60544	Web
I am being sued by one main financial for a title loan that i defaulted on. I have been involved in 2 car acciddnts pastb2 yrs and there for i have had financial hardships. I tried to work with them to lower payments but my medical bills have grown to where i cant afford to pay all my bills let alone XXXX to XXXX a month on a vehicle that i no longer have or is working. They have harrassed me by calling my job when i was still working. It got to the point that i was talked to by my boss about recieving personal calls 3 times a day. I went to court and then tried to contact one main financial to try and solve the issue. The lawyer i n charge of the case wouldnt even talk to me or my brother who is now in charge of my financials because i dont have the XXXX XXXX to handle all the debt that is building up due to my accidents and medical bills. They have been incredibly rude and not willing to work with me at all.
05/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI 548XX	Web
I was approved online for a loan through OneMain Financial for {$12000.00} XXXX unsecured ) or {$15000.00} ( secured by auto ) to purchase construction equipment for my personal use ( attachment 1 ). I later discussed the loan over the phone with XXXX employees who contacted me about the loan XXXX XXXX and XXXX at bank phone XXXX ). I was told the financial institution did not make equipment loans, but that I could refinance XXXX of my cars and received {$9000.00} in addition to pay for the equipment. I told them I was not interested in their loan since it did not accomplish what I wanted and I felt the interest rate th ey quoted was too high. A few days later, I was notified online that my loan application had been denied ( attachment 2 ). An attachment to this denial was my credit report with several boxes checked indicating why I was " denied '' ( not attached due to personal information ).
11/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 752XX	Web
Applied Online and was Pre-approved for a personal loan of XXXX and XXXX secured with a vehicle. Based on a monthly income from all sources of XXXX. After discussing offer over the phone and learning I worked at a XXXX bar they 'forgot ' to include my stock dividends and capital gains income. So I was only approved for XXXX unsecured loan based on XXXX monthly income.. After documenting assets and income with bank statements, brokerage statements, profit and loss statements for self-employment ... They decided I did not qualify for a XXXX loan with proof of XXXX figure monthly income and XXXX of stocks and liquid assets. I think this decision not to lend is not based on any logical evaluation of my ability to repay. But rather discrimination against me on the basis of my assumed XXXX orientation XXXX XXXX nightlife entertainer ) or religion XXXX my LinkedIn mentions an XXXX student group I led in college. )
06/25/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30017	Web
One Main Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX continues to use harassing tactics by calling from multiple branches throughout GA and AL. I have received 9 calls from various numbers since XX/XX/19. I have looked up every number and they all say One Main Financial. As I block a number, they call from a different location.I have spoken with them several times to voice my concern about the harassing calls but they continue. They told me they can call several times a day. I have gone online and scheduled a payment for XX/XX/XXXX. I owe {$320.00}, I've scheduled a payment for {$250.00} today online. Leaving {$78.00} balance to make me current. The payment has to show on their end. I can't believe that they have continued to call me additional times today, XX/XX/XXXX, since I set up the online payment. The calls come from different branches. The numbers they have called from so far are attached.
07/24/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 350XX	Web	Older American
I have had several small personal loans by an agency Springleaf which was held by a company in XXXX AL ... I had one renewed and I noticed that everytime I made a payment nothing was being deducted from principal. So when I investigated the previous loans they were the same. So I believe I had been trapped in a predator loan which would never have been repaid back. I am a XXXX and not been well and recovering from a bad case of XXXX. During this time period I suspended payments and I started get calls from several different phone numbers demanding payment in full and threatening jailtime and other very undignified calls. A couple months ago I received a letter stating the company had been sold out and a new loan had been reissued from a Springleaf company at XXXX XXXX XXXX IN XXXX. I keep getting many threatening phone calls all hours of the day and night. Something is seriously wrong with this account.
04/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 982XX	Web	Servicemember
On or about XX/XX/XXXX, my wife and I took out a loan from One Main financial in the amount of {$7500.00}. At all times until XX/XX/XXXX payments were made on time. On XX/XX/XXXXa bankruptcy was filed in the United States Bankruptcy Court of XXXX Washington. The case number was XXXX Both XXXX and XXXX XXXX were included in the bankruptcy and One Main Financial was notified of the filing. Despite this, One Main continued to draft the monthly payment out of our account until XX/XX/XXXX. At that time, they were notified they were in breach of the bankruptcy automatic stay. On XX/XX/XXXX, the bankruptcy case was completed and a discharge order was issued. On or aboutXX/XX/XXXX One Main Financial reported on both XXXX and XXXX XXXX 's credit report that the account was 90 days past due and a balance was still owed. This is in clear violation of the bankruptcy discharge and is a violation of federal law.
06/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	KS 666XX	Web
onemain financial scammed me when I refinanced a loan with them. My previous loan had unemployment insurance I agreed to so when I refinanced the new loan the loan officer stated you still got the insurance and said we will sign all documents online so we can whisk through them and get you outta here. The whole purpose of refinancing was to try to get extra money and lower payments. Loan officer stated that I could only get {$100.00} but the new payment was lower. After all was done I left the business and was told all documents will be emailed to me. I looked at the documents the next day and realized there was 4 different insurance policies attached to the loan that totaled around {$900.00}. This was never explained to me and knowing that I could have received the money in my pocket instead of being added to my loan. I feel this is an unfair practice and should be reported and let consumers beware.
12/09/2018	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	MI 48089	Web
I disputed the information that OneMain reported on my credit report. I sent a certified letter that they signed for on XX/XX/2018 requesting validation of the debt. After 30 days, I didn't receive a response. So, I sent a follow up certified letter on XX/XX/XXXX, signed for by them on XX/XX/2018. I still have not received a response from them but they updated my credit report. They changed my payment history and added in the remarks section " consumer disputes ''. They missed the 30 day timer allotted to them per the FCRA & FDCPA. They had 30 days to respond and it wasn't until after I sent a follow up letter that they made any adjustments to my credit report and they never sent me any communications. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
02/24/2017	Yes	Consumer Loan Title loan	Can't stop charges to bank account	PA 190XX	Web
I obtained a loan from Springleaf Financial 's ( now OneMain ) branch in XXXX, Pennsylvania. At the time the loan was made, I provided the lender with a routing number and checking account number from which to withdraw the monthly payment. I recently changed banks. Well before XX/XX/XXXX 's scheduled withdrawal, I logged into OneMain 's website and submitted a new routine number and account number corresponding to the new checking account. I have since logged back into the website to verify that the new account information ( XXXX ) is displayed as the payment account. Nevertheless, OneMain has made 2 attempts in XXXX to withdraw the payments from the old account at XXXX. XXXX refused to honor both drafts, and charged me {$35.00} for each dishonored draft. Calls to both the OneMain branch and web support center did not provide an explanation for the unauthorized drafts against the old account.
01/19/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 34482	Web	Servicemember
In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter on XXXX XXXX, 2016 to One Main Financial which was listed on my credit report requesting validation of this account. I requested that if they could not validate this debt that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XXXX XXXX, 2016 I pulled another copy of my credit report and noticed that One Main Financial did not furnish the credit bureau 's with the required disclosure within the 30 day period required by law. Under Federal Law they are to place a " notice of dispute '' on my account within 30 days of my dispute which they received in XXXX 2016. I sent a certified letter to One Main Financial on XXXX XXXX, 2016 informing them they were of this federal law violation. To date they have not deleted my account as requested and they are clearly violating Federal Law.
05/24/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	IL 61701	Web
Checked into a loan at ONE MAIN FINANCIAL never got further than a inquiry on my part just checking interest rates, said I was n't interested and tried to hang up the gal on the phone practically begged me to continue and fill out a application and I declined. Today XXXX XXXX 2016 I received a declined application # XXXX from this institution. Now this is fraudulent because I never filled out a application I totally declined this females begging me to just try and see what rate I would receive! I am totally shocked by this letter and feel something needs to be done about it!! First of all where did they get my information this is personal information they took liberties with and I do n't know whether she receives a bonus for more applications or what her motives were! But I need this hard credit pull removed from my credit report ASAP please.ONEMAIN FINANCIAL. XXXX XXXX XXXX XXXX XXXX. XXXX IL XXXX
12/02/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77033	Web
I made a {$1500.00} payment in XXXX of 2015 to One Main Financial, which brought my loan balance down to {$6900.00} and should have paid my loan up for 5 months. I subsequently made a payment of {$270.00} in XXXX, which brought my balance down to {$6800.00}. I also made a {$270.00} payment in XXXX and XXXX but neither of those payments was applied to my balance. On XXXX XXXX, when I noticed the balance had not changed on my statements since XXXX, I contacted One Mail Financial. The manager, XXXX, stated that the accumulated interest is the reason my payments were not applied to my balance. I asked him how that could be when the {$1500.00} payment I made in XXXX should 've have covered my payments for at least 5 months. He could not give me an explanation other than saying the interest still accrued, even though my monthly payment is {$260.00}, and I paid {$1500.00} to cover my next XXXX payments.
12/06/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 78250	Web	Older American
I currently have a personal loan with One Main .When I opened the loan it was Springs Leaf. I borrowed {$5000.00} and I have never missed a payment in a over a year. The One Main office sent me an offer to borrow {$4000.00}. I called to make an application. My income debt ratio did allow me to make the loan. I needed to make at show {$700.00}. more on my income. I called back to ask if I can apply with a cosigner. I was told they needed to live in the same household. So I called another OneMain branch and told them what I want to reapply with a cosigner and asked if the cosigner needed to live in the same household. I was told it was not necessarily. I was lied to by the loan office I tried to open my loan. I have account there now. This office is denied my loan based on a lie. Because it is not necessary for the cosigner to live in the same home coordinating to the second OneMain Branch I called.
11/09/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	IN 46322	Web
On XX/XX/2018 Onemain Financial took funds from my account for a car payment in the amount of {$200.00}, even though they'd received the payout on the loan. They've since given me the runaround saying the funds were returned, which they weren't, that they'd XXXX me a check on XX/XX/XXXX, which they hadn't, and then that they had to " hold '' my money for 15 days. This is the XXXX Indiana branch of Onemain Financial.As of this date XX/XX/2018 the management is STILL giving me the runaround! This withdrawal put my account in the negative and they still refuse to reimburse my money. They even tried to make this MY fault because I failed to tell them to no longer take funds from my account.I explained that I'm unable to be home to receive a fedex package due to travel for work, yet they insist that it's the only way for them to reimburse my funds.Taking money under false pretenses is A CRIME!
07/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27295	Web
Dear CFBP I am filing a complaint against One Main for failing to correct incorrect credit reporting. I have two accounts with erroneous information reporting, for account number XXXX One Main is reporting late payments in XX/XX/XXXX and XX/XX/XXXX. I have sent letters and even got proof of payment was remitted electronically before the due date from my bank with amounts and dates still One Main has not corrected the error. My second account XXXX is reporting that late payments occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I got my bank to issue proof that payment was remitted electronically before the due date of the XXXX. Still One Main had failed to fix this account. I am requesting that the months in question for both accounts be corrected to paid as agreed immediately for all three credit bureaus. Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
09/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60616	Web
I paid all of my credit cards off in XXXX. I missed the change on my loan with Springleaf and paid {$860.00} of the {$860.00} balance. In XXXX, I received a bill for {$14.00} which I assumed was residual interest and paid that in full immediately. I 've now received a XXXX statement for {$0.00} to which they only replied they " believe '' that will close out my balance. I believe I have been charged interest on the interest balance. I did n't experience 2 months of residual payments with any other credit cards I paid off on the same day. If somehow correct ( which I ca n't imagine having to pay {$0.00} on a {$0.00} balance ), they are a ) using a financial calculation unique to them and b ) not clear in their disclosure of this practice. The agent with whom I spoke offered to write the {$0.00} balance off as " settled for less than owed '' which I refused of course. Thank you
06/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 07731	Web
Back in XXXX 2009, I took out a personal loan with XXXX ( now OneMain Financial ). The term was for 84 months, and while I knew the interest was high ( 29.49 % is insane ), I assumed that the payment schedule that I was given would work to a XXXX balance at the end of the 84 months, at least that was how it was explained to me when I signed the papers. The initial amount was for {$7700.00}, and at the completion of the term, OneMain expects the remaining balance of XXXX, now. XXXX on time payments, with XXXX deferments, of monthly payments of XXXX, I have paid a total of {$16000.00} dollars towards my account, more than double the initial loan. OneMain is predatory and outright extortion. There were several months where as little as {$2.00} or less were applied to the principal. I had no idea that in order to actually pay my loan off I needed to put down triple my monthly payment!
11/05/2018	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	CO 80111	Web	Servicemember
On or about the XX/XX/2018, I XXXX XXXX noticed a OneMain inquiry on my XXXX consumer credit report dated XX/XX/2018. I am dealing with my identity being stolen and have a fraud alert posted on my XXXX consumer credit report. I contacted OneMain by phone on the XX/XX/2018, and was informed by the Representative, " who would not tell me their name '', that it would be deleted from the XXXX consumer credit report in 30 days. On or about the XX/XX/2018, I XXXX XXXX noticed the OneMain inquiry on my XXXX consumer credit report, # XXXX dated XX/XX/2018 still appearing. I mailed a second notice " validation letter '' in regards to this inquiries and explained that this was conducted without my consent or permission and is a violation of the FCRA, " Fair Credit Reporting Act ''. This action is causing the consumer injury, without proof of my consent or a certified copy of the contract.
04/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MO 63701	Web
ONEMAIN RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. ONE MAIN REPORTED A BANKRUPTCY REMARK ON MY XXXX CREDIT REPORT. NEITHER ONEMAIN NOR XXXX VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. ONEMAIN DID SEND A LETTER TO ME ON XX/XX/XXXX, SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. XXXX INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH XXXX, NO OTHER REPORTING AGENCIES. ONEMAIN SHOULD NOT BE REPORTING FALSE INFORMATION AND XXXX IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!
10/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63304	Web
XXXX is reporting an old account on my report, via Onemain Financial, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Onemain Financial provide evidence that I have not settled this account or it is I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Onemain Financial and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Onemain Financial a dime, and they know it, and XXXX should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
03/15/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 763XX	Web
More XXXX of XXXX - - Your Loan Has Been Approved! XXXX x XXXXXXXXXXXX XXXX XXXX ( 1 hour ago ) to me Congratulations! Your loan has been approved for {$5000.00}! * Get your loan as soon as today : 1.Get approved ( Done ). 2.Make an appointment with your local branch XXXX. 3.Get your check as soon as today! What will happen at my branch appointment? 1.You 'll meet with your personal loan specialist to verify your identity, income, and sign your loan documents. 2.Be sure to bring a government ID ( e.g. Driver 's License, State ID Card, Passport, or Military ID ). 3.And for income verification, you can show us your last XXXX paystubs, most recent signed tax return or bank statement verifying direct deposit. Thank you for choosing Springleaf! We look forward to helping you complete your loan request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
10/08/2019	Yes	Debt collection I do not know	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	GA 30097	Web
XX/XX/XXXX I took out a loan with Spring Leaf financial ( Per conversation with Spring Leaf and her consumer credit report ). XXXX XXXX, Spring Leaf, and One Main Financial merge companies. My consumer credit report states the loan was closed on XX/XX/XXXX due to refinance of account. On XX/XX/XXXX there was a civil judgement filed against me stating that I took out a loan for {$5000.00} with XXXX XXXX and it was unpaid. I contacted One Main and they stated they sold the account to Spring Leaf. I contacted Spring Leaf Financial and they indicated to me they had sold the loan to XXXX XXXX. I contact XXXX requesting copies of the orginal loan documents with my orginal signature stating I have a {$5000.00} loan with XXXX XXXX they stated they do not have the file however the original loan from Spring Leaf had been written off. We are asking for a satisfaction of Judgement.
04/24/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MD 20785	Web	Older American
My h usband and I are both retired and we did a debt consolidation with One Main Financial b ack in XXXX . Our total loan/ cash advances totaled {$75000.00}. To date, we have paid {$77000.00} but their statements still show that we owe {$75000.00}! We requested an itemized statement of all payments, just to make sure our payments matched theirs and it did. We paid roughly {$800.00} a month, every month however, over 90 % went to interest. We asked for an amortization schedule so that we can see how to pay this loan off without bankrupting ourselves. The manager said there was none on " This type of loan. '' She further said that it worked like a revolving line of credit, like a credit card. If that is true, why has n't the balance decreased after making steady payments for the past 8 years? They are now threatening to take our home because of this predatory loan.
03/07/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78660	Web
I took out this loan 15 mos ago. At first it seemed like a good deal at the time. Then I found out after I had already signed to the terms that they had duplicated my student loans more than once when they were calculating my DTI. My loan was consolidated as XXXX loan at the time and it was in deferment so when they duplicated it they added it several times as a XXXX. I 'm not sur if this was to drive up the interest rate or what. Also they reported mostly interest to the front of the loan, so paying it off was going to take longer than it would a regular loan. Lastly I paid off the loan on the XXXX of XXXX. I was told that they were going to report it paid to the credit bureau on the first and mail me back my original contact, however they have not and I have already spent money on a credit report with my mortgage company, just to have it show inaccurate information.
04/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WA 98372	Web
XXXX XXXX established a loan with One Main Financial. Due to personal circumstances including the finalizing of a divorce, he became behind on payments. In the winter of XX/XX/XXXX, he was offered a settlement amount of {$1300.00} which was pain in XX/XX/XXXX. A letter, which unfortunately was lost in changing housing situations, was received documenting the account as paid in full. No further communication or efforts to collect the debt were received from OneMain Financial until XX/XX/XXXX. After repeated phone calls without messages - sufficient enough to disrupt his work day - XXXX spoke to a representative who then stated XXXX was months behind on payments. The representative failed to identify himself appropriately. When XXXX disputed the information verbally, he was advised that payment needed to be made or further debt collection practices would occur.
11/23/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	SC 29708	Web
I have been the victim of identity theft and it is proven in court and the police that the perpetrators of the acts in the identity-theft are not me. I attempted to apply for a loan through a company called OneMain Financial and they have since told me of a previous loan that their company has been bought out or part of XXXX. I do n't have anything to do with XXXX and because of the identity-theft an account might be showing under my identification but it is not me. Almost a XXXX percent certain that was not my correct first name and I asked to talk to the Department and the person refused to let me talk to them. I 'm complaining because they are breaking the XXXX laws on ID theft. Have them remove my correct name and social security number and any other identifying information from their records of that previous account that has been proven to be fraudulent.
10/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA XXXXX	Web	Servicemember
I had a debt with Springleaf Financial Services XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX OR handled the debt collection. Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. XXXX XXXX XXXX, XXXX, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XXXX or XXXX XXXX he said. My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws
12/12/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	IL XXXXX	Web
I have contacted XXXX regarding a loan that I had with Springleaf financial as of today I have disputed it with all the credit agency and them numerous times that issue that I have is that in XXXX 2016 they said that I made a XXXX dollar payment on my account which I have not paid a dollar on the account the account is in accurate the amount owed is in accurate the timeframe is in accurate and the whole account is just wrong they refused to remove it they are very very rude I 've asked them to validate the debt and they are not doing so they just keep updating the information I do not owe the {$740.00} the account balance from the last record that I had was XXXX dollars they will not tell me where they arrived at the {$740.00} they will not provide me any documentation showing any information about the debt all they give is the date and the amount that 's it
08/05/2017	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	IL 60031	Web
Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.
06/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK XXXXX	Web
I am a co-borrower on a loan for my son. He is behind on his payments and One Main Financial continues to call me. which I understand is their job, but they are calling my job on a harassing basis and I have verbally told them do not call me at work and so has my boss and they are very rude and says they will call here whenever they want and so forth. Now they are calling daily asking for Human Resources number to file garnishment and that number has been given to them every time and they then call back saying that is not a good number which it is. They are jeopardizing my job with the calls and they have been told to stop. My husband lost his job and I am barely paying my own bills must less my sons, and yes I know that is what a co-borrower is for, but I feel the harassment needs to be directed to him not me until all other options with him are exhausted.
03/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34286	Web
I originally opened this loan in XX/XX/XXXX. This company has daily finance charges that are unfair and take advantage of people in time of distress. Their percentages of the loan payoff are extremely high. At or above 30 %. I have been paying almost all interest and this loan has been going on for 9 years! I have finally paid this loan off but something must be done on the amount of interest they are allowed to charge the consumer. This is the following information from my XXXX printout. One Main Financial XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Original Creditor Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$10.00} Balance Updated XX/XX/XXXX Original Balance {$7300.00} Monthly Payment {$10.00} Past Due Amount Terms 60 Months Responsibility Individual
01/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34953	Web	Older American
Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! They are using my credit report to input information without authorization for defamation purposes. I have open accounts being reported and the same account is being reported as closed. In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.
10/18/2017	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	VA 23831	Web
On X/X/17 I mailed a letter to the company asking them to remove an inquiry from my report because I am sure that I did not authorize it. I mailed it to the address the company provided to the Credit Bureau that they pulled the inquiry from. USPS returned the letter to me with a sticker attached that read, " Return to Sender - Attempted not known -unable to forward ''. This means that the company is not providing the credit bureau or consumers with an accurate address in which to inquire about or dispute information inaccurately being reported. This is completely unfair to the consumer and a clear violation of my consumer rights. I have attached a copy of the envelope with the notification from the postal service, a copy of the letter sent inside, and a copy of the address reported to the bureau, pulled directly from the report provided to me.
08/27/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85040	Web
Every day, Monday through Saturday, One Main Financial calls me three times a day during my work hours. I have spoken to a representative before to inform her that I can not answer my phone from XXXX - XXXX. I told her if she can please add on the notes to call me after XXXX. This has not been resolved. In addition, they keep calling to ask me to make payment or that there is a late fee. I've already explained to them that I am in a debt consolidation program that manages my payments and sends payments to them. No other creditor calls me as much as they do because they all know that I am on a debt management plan. They should be contacting the debt consolidation company instead. It is frustrating getting called every day, three times a day, especially when I am at work attending important meetings or talking to customers. This is unacceptable.
05/14/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91505	Web
Called from local number XXXX-XXXX-XXXX and threatened to come to place of work for a signature, requiring a supervisor or HR rep from my company present as a witness. Left callback number of XXXX-XXXX-XXXX. Message was a recording, exact wording as such : I'm a private carrier contacting you in regards to a sealed document that requires a signature from you they are scheduled to be delivered and presented to you at a place of employment or residence within the next 48 hours between XXXX XXXX and XXXX XXXX please make sure to have two forms of valid ID and A witness to sign off on the document if you happen to be at a place of employment you will need a supervisor or HR representative to sign off as a witness if you have any questions or would like to place a stop on the service please contact the filing party immediately at XXXX-XXXX-XXXX
08/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27529	Web
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
07/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 468XX	Web	Servicemember
On XXXX XXXX, 2017, I disputed the account listed on my credit report as ONE MAIN. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought Springleaf Financial. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
10/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78227	Web
It wasn't any of those problems with the company. What happened was I got an email and phone call from someone who claimed it was from this company and they had all my information. They just wanted me to verify it and I did. Then I received another phone call about 20 mins later stating it was this company again. He was asking for my info and I said you all already have it because I spoke to someone, he got upset and I hung up. So I called the local branch and found out I was denied the loan and that no one has called me. I got the headquaters number and found out they had no one by that name working there and there was no record of someone from the office calling me. So some how someone got my info from this company ( when I probably applied online ), called me and made sure all the info was correct. This company didn't make that call.
04/29/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 285XX	Web	Older American
we purchased our home in XXXX, due to health issues we need to sell it. We bought the home from XXXX XXXX. It was a foreclosure home. We have discovered XXXX undisclosed liens on the mobile home, these liens were both discharged in XX/XX/XXXX. We have received a release to lien from XXXX for the one that they had. However, One Main has not done anything but give me a run around. XXXX refered me to them ( letter attached ) as they have no record of the lien. I have called, faxed and emailed all the documents to Main One, and XXXX. I was able to get the social security number for the prior debtor, and Main One and XXXX tell me that they can not find any record of this. If neither of them have any records, Main One should either prove that the lien is still outstanding or provide the documents to give to the DMV ( release of lien ).
08/28/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34759	Web	Servicemember
XXXX XXXX XXXX WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY SPRINGLEAF. ON XX/XX/2013 I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XX/XX/2013 WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF XXXX XXXX XXXX AND SPRINGLEAF HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.
06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43701	Web
XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. When I called One main they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone number. Also the letter didn't say why I was denied.
05/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29485	Web
I have contacted OneMain directly as well as the 3 credit bureau 's. I have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.
03/16/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 93036	Web
I had got a loan with One Main Financial, made payments then fell behind, I called to see about setting up arrangements and they didn't know what office was handling my account, I gave them all the information and they said they would contact me and never did, I reached out to them again once to settle the debt again they didn't know where my account was located still never received a response. SO I filed a complaint with the XXXX, they then pulled my account from collections and made it current. Then when I contacted them again they STILL could not locate the account. Now its on my credit again and was sold and this is damaging to my credit. I made numerous attempts and complaints and nothing. This is over a course of 4 years. I am fed up with them reporting when they never tried to resolve it when I was initiating a response.
09/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MI 48473	Web
OneMain Financial, ran under the direction of the XXXX XXXX and the District Managers of XXXX and XXXX in Michigan force licensed agents to include all optional credit and non credit product premiums into the loan quotes when selling or offering OneMains loans to consumers. They have set a sales goal and this goal directly reflects your personal ranking within this District and Region and is used to evaluate your performance on a month to month basis. Your job at OneMain is contingent upon meeting this laid out sales formula to increase premiums for the profit of OneMain and NOT to disclose or be transparent to any of the consumers. The company also tried to steer away from any customer who is over 70 years old as they cannot sell insurance products to them due to age as it reflects the sales numbers for optional products.
07/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	WA 98166	Web
I used to be a Consumer Loan Originator for OneMain Financial. I'm writing this complain to report my manager for actively discouraging employees from completing proper investigation into fraud alerts on consumer accounts. Names on titled loans were checked by calling a private licensing office and no effort was ever made to ask about or investigate fraud alerts on consumer accounts. I had several instances when I raised concern about fraud on consumer accounts only to be assuaged by my manager that we should lend out money with no further request for questioning or documentation. An extreme of this situation would be a consumer who applied with 17 cars and no money to start a business. My manager told me not to worry about the situation and to try to secure a loan on one of his vehicles without any further questioning.
02/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 456XX	Web	Older American
You have on the credit reports that the accounts with : XXXX XXXX XXXX XXXX XXXX XXXX are closed. This caused my credit scores to go down.These accounts were not " closed. '' These accounts were " paid off ''. Please check your records and change my credit report to read " paid in full. '' I have tried very hard this past 2 years to get my credit in better shape and using " closed '' instead of " Paid in full '' are lowering my credit score. Again, please check into this and correct this report. Than k you so very much for helping me with this matter. I do not need another loan, however, I would like for my credit report to show numbers that prove that I have been working hard to increase my credit s ; core and pay my bills in a timely manner. Again, thank you for anything you can do to get this information corrected.
01/09/2018	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	IN XXXXX	Web
A letter, dated XX/XX/XXXX, was sent to One Main disputing the account. This letter was received by One Main on XX/XX/XXXX, as evidenced by USPS Tracking number XXXX. On XX/XX/XXXX, I checked all three of my credit reports and the One Main was not shown as being disputed as required by FCRA 623 ( a ) ( 3 ). I sent a second letter to One Main advising One Main of their failure to show the account as disputed on my credit reports, a violation of FDCPA 807 ( 8 ), and asked that this account be removed from my credit reports. This letter was received by One Main on XX/XX/XXXX as evidenced by USPS Tracking number XXXX. On XX/XX/XXXX, I received a letter from One Main, dated XX/XX/XXXX, stating that the account is now being reported as disputed, 49 ( forty-nine ) days after One Main 's receipt of my original letter.
08/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OK 73012	Web
I applied for a secured loan at One Main Financial in XXXX OK. I have previously had a loan with this company in another state and was never denied for a loan. This loan was recommended based on my credit. They first said my student loan debt was too high. I added my husband. They then denied stating my credit score is too low. This loan is supposed to be for those with low credit scores. I believed they denied me based on my race being XXXX. They also denied my son stating his income was not high enough when he also previously had a loan with this company in another state with mo problems and his income was even lower at the time. I believe there are unfair loan practices at One Main Financial in XXXX Ok and I would like to know their rate of approval for minorities. I was seeking a XXXX to XXXX dollar loan.
12/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 381XX	Web	Older American
I applied for a loan with this company and the finance charge and interest was not what was stated to me. I have not signed any of the documents electronically. I want them to clarify the {$100000.00} insurance policy and payments made to agency that I was unaware of until I was able to read some of this contract that I have yet to electronically sign. As well as a title of my vehicle for loan, in addition to the {>= $1,000,000} dollar LIFE Insurance policy. Why do I need all of this on me for a {$7000.00} dollar loan? I was charged double finance charge and interest on this loan. This occurred on XXXX XXXX, 2017. I am a XXXX years of age and have been in the military. I just recently retired with 33 years of XXXX and military service. Please advise. I appreciate your time and concern with this matter.
07/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 19141	Web
I acquired a XXXX personal loan with Springleaf Financial, I was told the interest rate would be 27 %, my first statement had XXXX on it, I called and was told this was due to 48 month term. I wanted to received an accurate statement and was told that was how the statements were. I asked for the balance and realized that after paying XXXX my balance had not decreased, I was then told I would have to pay at least XXXX before I would see a decrease in the principal. I was then told the interest is pre- calculated based on rule 78, I was never told about this prior to signing for the loan, I believe I am being charged a very high interest rate and I would like to know if it is legal for Pennsylvania , I searched on google and it states this is no longer legal for loans to be pre- calculated, please advise
11/11/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TN 37129	Web
In their response to complaint XXXX, Springleaf Financial made several statements which I proved to be false with documentation from XXXX Mortgage. I signed statements with every complaint that all information I am giving is true, and I believe that it is a criminal offense to knowingly give false information. Springleaf gave false information regarding to speaking with XXXX XXXX about the status of my loan with XXXX XXXX XXXX stated in writing, which I submitted to the CFPB, that they had NO communication with Springleaf. ). Springleaf had to know this information was false when they responded. There are other instances ( how payoff was obtained ; faxed to MY attaention at Springleaf 's fax number, etc ) which also call many legalities into question, but the first instance is already documented.
10/21/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37912	Web
I had a loan with a monthly payment of {$86.00} a month on the XXXX if each month. On XX/XX/XXXX I made a payment of {$480.00} and my regular loan payment for that month. The {$480.00} payment was entered as an adjustment and not a payment and no interest was taken off even though I paid almost 6 extra payments. When I called to inquire about why no interest was credited I was told that I paid all of the interest in the beginning of the loan. I paid the loan off a year early but was on credited about {$80.00} in interest when I paid {$280.00} this week. I was told there was no penalty to pay it off early but I paid the entire loan plus all interest but {$80.00}. I have enclosed copy of check sent to make payment and my monthly statement showing it was posted as an adjustment not a check payment.
10/02/2017	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	FL 32137	Web
Hello, I filled out an application for a personal loan on One Main. 5 days ago. During the application process they advertise that checking the offers will not affect your credit. It was supposed to be a soft enquiry. Within a few minutes of applying I received a message from XXXX that a hard enquiry had been filed. Since then I have been calling their offices daily, they promise me a call back to resolve the issue. every day it is the same thing they never call me back. the person I spoke with on Thursday said when you click on the check offer you agree to the inquiry! Obviously I did as long as it was a soft inquiry which would not affect by credit, not a hard inquiry. In the attached document you will see that at the bottom of the page it says " this will not affect your credit score ''
10/07/2016	Yes	Credit card	Billing disputes	OH 44112	Web	Servicemember
I was never late in paying my SpringLeaf account. The account was autopay set up through Springleaf and that had been the mode of payment for years. I have paid it off in XXXX. Springleaf purchased my account off beneficial and continued to get payment through autopay. I do n't know how they can justify destroying my credit by stating that I was late on XXXX of XXXX for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus! When I called springleaf they refused to take this erroneous mark off my credit. That card has been dormant for several years. Their behavior is not in good faith and I dispute the late report to the credit bureau. Please investigate and remove the late payment from XXXX XXXX off my credit report.
12/03/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NM 87124	Web
About a year ago I received a letter from OneMain Financial that stated they were offering me a loan up to 10,000 if I was approved for credit. I applied about 6 months ago and was denied being told I need a cosigner. I politely asked to be taken off the mailing list after the manager refused to give me a small loan to rebuild credit. About 3 months later I received another letter telling me they were offering me the same loan again. I sent an email that was very direct and demanded to be removed from the mailing list immediately. I was contacted by email and asked for my address. I was then assured that I would not receive any more mail from this company after I provided that information. Today, XXXX/XXXX/17 I received a letter again stating they were offering me a loan up to {$10000.00}.
07/29/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27030	Web	Older American
I do not remember borrowing {$9000.00} in XX/XX/XXXX and my home equity was used as collateral. In the foreclosure process in XX/XX/XXXX, I filed bankruptcy to try to keep my home. The bankruptcy was dismissed in XX/XX/XXXX, because I was unable to pay the {$1200.00} per month. Last year, XX/XX/XXXX, Springleaf started calling with threats about the {$9000.00} loan. I did not know it was unsecured, and they did not ask for the money on XX/XX/XXXX when the foreclosure short sale occured.They are calling threatening me and talking to me like they will come after me. I have been making payments, but on XXXX Social Security and XXXX just is not enough money. I spoke to the foreclosure attorney and he said it was an unsecured loan now, but Springleaf, now called OneMain is using scare tactics.
08/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 17603	Web
I am currently disputing One Main Financial with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of XXXX months ago and on to XXXX after it has already been deleted and the executive director of One Main was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit. I have never had an account with One Main Financial and all accounts they have posted on my credit reports need to be removed immediately!
09/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85392	Web	Servicemember
I had an account with Onemain Financial that was charged off and sold. Onemain created a duplicate of that account without my authorization and reported the account with a balance. This duplicate account has the same open date and same charge off amount as the original. As a result, my credit report reflects two separate charge offs from Onemain for the same debt. I have disputed the duplicate account with the credit bureaus, but Onemain verifies the duplicate account as accurate. I disputed the duplicate account with Onemain and they simply updated the status to show " Reached an agreement with a lender to repay only part of the original debt '', which is not accurate because I never attempted to reach an agreement with them and I never paid any money to settle this duplicate account.
05/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NM 873XX	Web
Today, XX/XX/19, XXXX XXXX, Loan Manager from One Main Financial Loan Department called at XXXX to and offered me a loan of {$10000.00}. He emailed a loan agreement, while I was on the line with him, and I was told to reply to the loan that I agreed, as soon as I said I replied, he hung up on me. I tried to call him back at XXXX and he hung up on me several times, and now he won't answer. I replied to him through email that I don't agree to the loan agreement. I called the OneMain Financial- Corporate Headquarters and they said they never offer loans over the phone and nobody by the name of XXXX XXXX works for them. However, the email that was sent has the One Main logo on some of the pages. XXXX XXXX has my personal information, as well as by routing and checking account numbers.
08/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 40511	Web
On XX/XX/2017 I took out a loan with One Main in XXXX, Ky. That loan was for {$10000.00} on a 4 year payment plan. My total payback was about {$15000.00}. I called today to get a payoff and I was told it was a little over {$4900.00} I called back to ask why the payoff was more than the balance, I was told it was an interest bearing account. When I signed the contract it was an installment. So I went to pull my copy of the contract which they gave to me in a folder and I never actually looked at my copy because I didnt have a reason to. I pulled it today they never actually gave me a copy of my signed contract they only gave me copies of the insurance disclosures. They insist I signed a contract agreeing to interest bearing and I did not and they didnt give me a copy of my contract.
07/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28213	Web
I disputed this account with OneMain Financial in XXXX and once I disputed the account in 30 to 45 days the account was remove from all three credit report. It been off for four years and now it 's been put back on all three credit report on XX/XX/XXXX.It have been off for four years. They did n't give me notice of the account been put back on my reports which were remove from my reports. I also ask for copy of the agreement which they response to correspondence received from OneMain Holding, INC or one of its affiliates.I have the letter.I told them that my personal information was lost are stolen but someone use my personal information. It was use to obtain good and service. And spoke with someone on XX/XX/XXXX validate the Account # XXXX.It 's in the letter I have sent to you.
08/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 152XX	Web
On XX/XX/XXXX I gave Onemain financial permission to draw {$90.00} from my debit card on XX/XX/XXXX On XX/XX/XXXX I changed that amount to {$180.00} the same way the same day. On XX/XX/XXXX they try to make an Ach transaction from my account, which I had thought they did as a debit on XX/XX/XXXX as we agreed. So this was against my approved day and in an unauthorized way. They offered to review my incurred bank fees and MAYBE reimburse me those. They wanted nothing omitted. That was enough to make me unwilling to share my banking info any further with them. I had to place a stop payment on the account and was charge numerous overdraft fees. I can no longer pay them from the account so I have to buy money orders and mail them. Now they say they havent gotten the money order yet.
09/11/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TN 38119	Web	Older American
My original loan was with Springleaf Financial, which is now One Main, for refinancing a XXXX XXXX XXXX. The loan originated XX/XX/XXXX with a first payment of {$850.00} that was due XX/XX/XXXX. There were 47 recurring payments of {$780.00}. I have been paying this loan for over a year now. I am a XXXX XXXX XXXX on a fixed income. I earn {$3500.00} a month from a pension. I earn {$1400.00} from Social Security. I also take care of my adult son who suffers from stage XXXX XXXX failure. I recently contacted One Main about refinancing the remaining loan balance so that my payments could be lowered to something that is easier to manage. They informed me that refinancing would make my loan payments higher. How is that possible? Paying this loan has been a hardship for me. Help me.
10/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 38930	Web
I recieved a call from XXXX XXXX and they i was aprroved for a loan up to XXXX and pay back a XXXX and so I said that was to much and then he said he would approve me for XXXX which I payback XXXX a month.He also ask for my last for digit of my SSI # After that he went over my bank information that he already had and he told me a file number XXXX. SO he told me to call a XXXX and provide the XXXX. I called the number and they basically said I have to purchase insurance with PPI ( Payment Protection Insurance ) which was XXXX and to pay that before i can get the funds into my account. So after that he hung up and I called back a woman answer named XXXX XXXX her and her ext XXXX and she told me the same thing so told her I did not have it and she told me to call back when I do.
01/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 641XX	Web
The harassing phone calls began, after I took my payment scheudule off of the automatic debit, from my checking account. I still make my payments, in the same fashion, however, I am two weeks behind. One Main Financial, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has continuously called my cell phone, up to 6 or 7 times a day. They have also called my place of business. I believe the phone calls are intended to pressure, intimidate, annoy and stress me into getting back on the automatic account debit. I have made my payments on time through this method, for over 3 years. I refuse to pick up the phone, and continue to make my payments on-line during the month that it is due. This is a predatory lending institution that preys on those that are in financial binds.
10/04/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30058	Web
Previously I disputed false advertisement and false assumptions with the BBB on XXXX XXXX XXXX. They persist that I applied for a personal loan on XXXX XXXX, XXXX, which I did not. References to the first dispute is below in the inbox. XXXX XXXX Bank was notified by XXXX that I was affected by the security breach, XXXX ( XXXX XXXX, XXXX ). This when they said I applied for the credit, as you see in the information I supplied, I did not apply for credit initially. Now I believe that this could be the result of the security breach. The advertisement stated that checking to see if I qualify for a loan, it would not affect my credit, but I received a hard inquiry. The online advertisement is below in the drop box. The application they provided is totally incorrect as highlighted.
04/28/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 303XX	Web
I went onto Springleaf 's website to see if I prequalified, and it states " I understand that checking to see if a prequalified offer is available for me will not affect my credit score and that this is not a loan application. If an offer is available for me, I will still need to apply. '' So I have never been told that I need to apply, I was asked more information. This morning I had a hard inquiry but I never signed anything or was told that they will be doing a hard pull on my credit report or I would have not gone through with giving anymore information. I called and the lady said that ALL financial companies do a hard pull. So I feel like they trick the customer by showing this will no affect your credit score. They should have told me that up front but they did not.
01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	OH 442XX	Web
Due to a family hardship, I am working with XXXX XXXX XXXX to eliminate my credit card and signature loan debit. XXXX of my creditors Springleaf Financial continues to call me at work and at home even after they have received the cease communication notice and I have also told them not to call me at work because I 'm not allow to have personal phone calls. At XXXX point the XXXX XXXX XXXX XXXX of Springleaf ( XXXX ) transferred out of my work voice mail and got my Manager to transfer the call to me.The message the XXXX XXXX XXXX XXXX XXXX left on XXXX/XXXX/16 on my cell and on XXXX/XXXX/16 on my work voice mail said that he turned down XXXX settlement offer and would not work with them. He wanted me to make XXXX payment or he was sending the account for wage garnishment.
12/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MA 01923	Web
I had a loan with OneMain Financial that automatic payments were taken out every month, it was always paid on time then the XXXX to last payment they stopped automotic pay on there own. I called and set up the last XXXX payments. XXXX payment was taken out and apparently the other payment never got taken out. Several months went by and I called them on XXXX XXXX after looking at a statement I received showing a payment do. It stated to call or mail payment to them by XXXX XXXX. I called and they are refusing to take my payment because the have sold the debt and wo n't take the payment for 30 days. I am trying to get a loan and no longer can get the loan because I ca n't show proof I have paid it off because they are refusing payment. Can they refuse payment for 30 days?
02/10/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	PA 190XX	Web
One Main Financial drafted me a loan without disbursement to all creditors. They never notified me and continued to collected payment and interest in funds never disbursed to me or creditors. Upon finding this they held the funds to convince me to make a full payment in exchange for those funds back. I notified One Main also known as springleaf Financial in written form and verbally not to call my place business. After which I received 9 phone calls from the branch manager. My rights have been violated with these calls and interest charges above what I received. I am requesting the XXXX dollars in violation and interest charges in funds not disbursed be credited to my loan. Today they repossessed my vehicle. I am requesting the vehicle be returned along with the title.
07/03/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	KY 40601	Web
XXXX from OneMain Financial in XXXX, Kentucky has been asked several times to stop calling my place of employment and my personal cell phone. I have enrolled in a debt settlement program and they have also contacted him to stop communications with me that they handle the matter now. He went as far as coming to my home this Saturday XX/XX/XXXX around XXXX. My husband answered the door and told him I was not home but he kept insisting my husband was lying because there was XXXX vehicles in the driveway. He has since continued to call my phone 3 and 4 times a day as well as calling my place of employment at least twice a day if not 3 times some days. My boss has even asked the calls to stop at work but they continue! It is affecting my job now and this has gone to far!
09/09/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 37865	Web
I had my credit score ran 2 times by Spring Leaf and I never gave authorization to run my credit. When I called the office they gave me another number to call. When I called that number, they looked up my account and said I had to send them proof or they were not going to take it away. They said it really was n't on there, but when I looked on my credit report it was, 2 times.they blew off my complaint by minimizing my findings, saying it was n't on there the credit report is wrong, I had to tell them multiple times. This was around XXXX, I threatened to contact cfpb and hung up the phone ... ..now near XXXX same day, I checked and the inquiries are gone, but the fact is they STILL ran my credit without my persmission and I think they need some sort of repercussion.
03/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77346	Web
i have mailed XXXX XXXX XXXX Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.
09/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77092	Web
Received letter in the mail for a loan approval for XXXX = unemployment insurance and another product I did not apply for in XXXX. Called ONE MAIN and talked to XXXX in Fraud and let her know I was a victim of identity theft. Sent in necessary affidavit. I received letter in XXXX that my fraud claim was denied with incorrect information listed as to when account was serviced, had the wrong account number ( according the contract I obtained a copy of ), wrong reasons for denial including that a signature on application matched a passport that was never presented according to the branch where account was opened. The branch called for payment and I indicated again I did not apply for loan. I resubmitted police report and sent my drivers license via email to XXXX.
10/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 633XX	Web
I currently have a debt to Springleaf Financial. This issue has persisted for approx a year. This company will call me constantly, multiple times a day, on different telephone numbers, sometimes leave messages and sometimes not. They have called me at work when I have asked them not too. When they dont reach me they call my " reference '' list of individuals that they required i leave with them. These individuals include my children, family, friends, none of which have any responsibility towards this debt. I have asked for this to stop on many occasions and it persists. I realize this is my debt and I am making attempts to get it paid, but this is harassment of myself and others. I do n't know what else to do and found this information on the internet. Thank you.
05/21/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	GA 30240	Web
I 'm in the process of a deed in lieu with XXXX XXXX XXXX under the ( HAFA ), where they are allowed up to {$12000.00} to pay off a lien. in my case being a XXXX mortgage of less than {$10000.00}. Springleaf Financial the XXXX mortgage, as well as XXXX have all the information provided to them, phone numbers, fax numbers, account information everything needed to get a negotiation done. Springleaf even after several months of me calling and faxing them information and after XXXX has mailed them an offer do n't seem interested in a settelment. they have written this account off in XX/XX/XXXX, and only seem interested in 1 payment on original loan. Is there anything that can be done to settle this matter before this turns into a full foreclosure. Thank You XXXX XXXX
04/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NH 038XX	Web	Older American, Servicemember
I have a personal loan with One Main Financial. My probelm is repeated phone calls and mail about my account. i have attempted to clarify the terms of my loan to no avail. My due date is the XX/XX/XXXX of the month, my grace period before late charges kick in is 10 days. While my payday is the XX/XX/XXXX usually, I don't mail my payment until that date. which allows 6 days for the payment to reach them. My problem is I begin receiving phone call and mail correspondence the day after my due date of the XX/XX/XXXX. Currently on my phone I have saved over 40 phone calls in 60 days and 28 pieces of mail in just over 30 days. All this is going on while I am traveling everyday to take my wife to XXXX XXXX. My question is do I have any options legally in this matter..
08/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CO 811XX	Web	Older American
I am XXXX years of age. I discovered that One Main Financial has charged me for unemployment insurance a few months ago. I have requested ( on XX/XX/XXXX ) that they refund these premiums since there would have been no coverage because of my retirement and age. In addition, my original contract with the lender required a reduction of interest as long as payments were made on time, which I have done for the last several years. However, there has been no reduction and, therefore, I was overcharged interest on this account for a number of years. I requested that this be done in my correspondence to them on XX/XX/XXXX of this year. As of this date, I have received no response to my requests for these refunds and I believe they have elected to ignore my request.
03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29210	Web
I have been paying on a loan with One Main Financial. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me
10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TX 78572	Web
I 'm being harassed by phone, and emails on a daily basis, I get between 4 to 7 calls a day. I have asked branch manager XXXX to stop calling multiple times, but calls keep coming. I try to answer all calls but they been using harassing and threating language. I sent a written request to stop calls but I was told that they have all the right to continue calling. they have called some of my relatives as well on multiple occasions. I have proof of all the calls, voicemails, and emails that I have received. my payment has never been late for more than thirty days. Manager XXXX XXXX claims that they 're not a collection agency, therefore I cant stop the calls, but the emails I receive claim that they 're a debt collector and they 're trying to collect a debt.
10/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 24541	Web
On today Monday XX/XX/XXXX I got a voicemail stating that I was denied credit at this company by the name of One Financial! I applied for the loan on Friday of last week and talked to a lady names XXXX that assured me that an approval was in place! I never heard the word Debt ratio until today when I called and she said I didnt make enough money! First of all I bring home more than they say I bring home and provided my check stub with proof! This company have been sending me notices after notices begging me to apply for a loan that I had been preapproved for! I am so disappointed and hurt I will never recommend anyone to apply for this company! The lady XXXX mislead me and Im not gon na stop reporting this company! This company is very misleading people!
02/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29212	Web	Servicemember
I contacted XXXX and told them my address is XXXX XXXX XXXX XXXX XXXX SC XXXX and my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX yet they told my 47 companies are reporting my address and XXXX XXXX XXXX XXXX which is across the street and these companies send mail to XXXX XXXX XXXX XXXX not XXXX XXXX XXXX and I have never address anything XXXX XXXX XXXX XXXX Need help correcting this. One the company One main is reporting me with a repo and charge off when the car was total in XXXX of 2018 it was not my fault XXXX XXXX did not pay car off until XXXX or XXXX and then they charge it off in XXXX and sent me a bill in XXXX for balance how backward is that. I would like for it to be corrected because it cant be both totaled and repo/charged off
11/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 34744	Web	Servicemember
I have tried to work with Springleaf to settle out this charged off debt. My attempts have not been answered. I want to try to settle this debt but I am unable to pay the entire amount that charged off. I even hired a debt management company to help me but they have also been unable to work anything out with Springleaf. I want to make a final attempt to resolve this debt and repay at least some of the money. I do not dispute that this money is rightfully due to Springleaf. I am soon going on XXXX XXXX ( XXXX XXXX for XX/XX/XXXX ) and my husband has been XXXX but we can make payments totaling to {$2500.00} before I am no longer working. I 'd like to offer that amount to settle this account in 3 installments. SPRINGLEAF FINANCIAL XXXX XXXX {$7300.00}
03/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29445	Web	Servicemember
I want to start making payments to the financial institution when I got employed again. I asked to start making payments and they agreed of a certain amount. When later on I tried to cancel the next month payment due to a serious issue I had to deal with in my life, they threaten to garnish my wages and wanted to know where I work and my supervisor phone number. I did not tell them and they want 30 % of my wages. I also received a letter from them that month postmarked before I had the conversation to cancel the payment and the amount they wanted for my payment was vastly different compared to the one we agreed upon. I have called them twice to cancel the payment, each time the amount they said was different and they also refuse to cancel the payment.
07/13/2018	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	TN 378XX	Web
I have contacted the three credit bureaus pertaining to inquiries on my credit report that I did not authorize. they claimed they cant not dispute hard inquiries and they remain for two years. this maybe the case if I authorized those inquiries myself, however I did not authorize none of them. they credit bureaus told me to contact the creditors and explain it to them, which I did. they claimed it was me but when asked were they there when the credit was ran with me in front of them with my id? they claimed no. so anybody can get someone's information and use it over the phone or online to obtain good. I was told by the creditors to reach back put to the credit bures to see if I can dispute it. so all and all I am getting the run around and no help.
03/10/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	IL 604XX	Web
I have a personal loan at One Main Financial that I was 14 days late on the payment. They have called my cell phone 3 times a day, everyday, since the first late day. Today they called my employeer. Because I work at a casino and do not have phone access on the job, they must speak to a security officer, who then must leave his post, find me, have me taken to an office, and then relay the message. This happened a year ago when I was late with a payment and I told One Main Financial that they were not to contact me at work. Obviously, they still do. Furthermore, they will call from their office and employee cell phones, as if they are trying to conceal who is calling me, but I have all the numbers saved on my call records from my cell phone carrier.
07/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 133XX	Web
We have had this loan for greater than XXXX years, originally as a home equity loan. Late payments were made however payments were always made. We placed it into consumer credit counseling in XX/XX/XXXX when the owner refused to work with us to lower the interest rate so we could pay it off. at this time, we believe it is a negative amortization situation. At this time the owner still refuses to accept a payoff to end the loan ( a reasonable payoff ). We continue to make payments via the consumer credit counseling service and have until XX/XX/XXXX left to pay on it at the current rate. The owner company has more than recuperated their principal amount with interest. The original interest rate was over 20 % and was paid like that for many years.
05/09/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30127	Web
Despite my informing my XXXX mortgage holder with regards to my reduced income and the inability to pay on or prior to XXXX of the month, I am receiving repeat phones calls daily from Springleaf Financing. I always pay on or before the XXXX of each month. My payment is due on XXXX and by XXXX without a late fee! It is now XXXX XXXX Eastern Standard Time on Saturday, XXXX XXXX and already received 4 calls from them. I no longer answer them and they are calling on my cell phone as well! I have asked they never use that number, but they chose to ignore. The interest rate is also very high! Please help in getting this matter resolved!! Thanks in advance, for any assistance that you may be able to provide. Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
03/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	KY 42103	Web
I recently applied for loan at One Main Finance XXXX XXXX, KY. Which I did not take out by choice. However when ask about what the loan was for. " I stated it was to pay off a credit card. ' The lady stated I was a authorized user. Was it my husband 's? I stated it was my wife 's. She said it could be your husband 's. I guess depending on which role you play. And laughed. I really did not appreciate that at all and I certainly did not think it was funny. I think One Main company may need to educate their employees in the XXXX community and rights. I am offended by what the employee say to me and she had no right to say nor should she have stereo typed me. I would like to know what can I do about this? Thank you XXXX XXXX Sent from my XXXX
01/01/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 22901	Web
On XXXX XXXX, 2015 I contacted my local office of Springleaf Financial Services to inquire about making a loan. I allowed them to look at my credit report. They asked for a pay-stub and more information to submit a complete application. I did not provide it because I did not want to get a loan from them. On XXXX XXXX, 2015 I received a letter from Springleaf informing me that my request for a loan had been declined and this decline was reported to XXXX credit reporting services. I did not ask for the loan, nor was I provided details in writing, nor did I request approval for a loan. I believe this was done unfairly and was done as retribution because of my lack of interest in their services. I want this decline retracted and not reported.
12/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	PA 173XX	Web
I have been late on my loan payment since my husband lost his job. I have made a deferred payment for XX/XX/2016 payment. They make calls and leave messages for me every day, send me mail. Which is fine I understand the loan needs to be paid. Now they came to my home. Calling all of my references repeatedly. I already explained to them my situation. They came to my home yesterday, spoke with my husband. So we know the situation. I am making every effort to try to get the money together. Still today they call my father. He has a XXXX XXXX. I do n't need him to know that I am having problems paying my bills. Once a week, mailed letter is fine to remind me that I am late on my payment. This is harrasment. Springleaf bank/One main Financial.
10/15/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 440XX	Web
One Main Financial in XXXX, Ohio falsely wrote the value of my home at {$37000.00}. When I said NO, that 's incorrect, he was dishonest and said he got it from the County Auditor 's site. The value of my home is {$56000.00} on the County Auditor 's site and the attached land is {$4000.00} for a total of {$60000.00}. NOT {$37000.00}! That 's a difference of {$23000.00}! This was done purposely! I was not feeling well at all that day and did NOT realize it had n't been changed to the CORRECT value as I had asked that it be. I am on XXXX ... XXXX. This is yet ONE MORE WAY that people with XXXX and usually with low incomes are taken advantage of! It needs to STOP. I had an average credit score, not a poor one, and equity in my home.
03/26/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 17815	Web
I took a loan out in for approx. {$7000.00} in 1997 from XXXX which was later sold to Springleaf and now to One Main. My agreement made with Springleaf ( One Main ) was I pay a settlement on the loan for {$4500.00}. I have been paying on this faithfully, and will have paid {$4200.00} on XXXX XXXX. ( Regular scheduled payment ) With the balance {$340.00} owed by the end of XXXX - per our agreement. I received a letter from One Main saying that I owe {$6900.00}. They have also been charging me late fees when late fees are NOT MENTIONED in our written agreement. I have paid twice the amount of this loan since the beginning and now three times. I have attached a copy of our agreement and a copy of my payments made. Which confirms the above.
02/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 20745	Web	Older American
I took out a loan with One Main Financial and paid it on time, I applied to have my home refinanced and part of the requirements of the loan was for me to pay off One Main Financial. I told the I would be paying the off and needed a pay of amount. on XXXX/XXXX/XXXX I received a letter from them ( attached ) with the payoff amount of XXXX for XXXX XXXX, XXXX and said there would be a interest amount of {$5.00} everyday after that. I paid {$8500.00} on XXXX XXXX, XXXX. They did n't tell me anything after that and I asked for a receipt or printout of what was paid. On the print out it said I owed them {$350.00} more with no explanation and the charged me a late fee win I was paying interest for everyday I was late. I will send attachments.
06/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 190XX	Web
Went through XXXX XXXX XXXX which made an agreement with On Main fi nancial in the amount of XXXX through the law office which was representing one main. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX over the phone to the law office from XXXX XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from one main telling me I was delinquent. I have spoken to many individuals at one main who keep telling me they are working on it and have not resolved receiving the p ayment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
08/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37388	Web
On XX/XX/18 at XXXX XXXX, I called One Main Financial. I believe I spoke with Someone named XXXX. I told her I no longer authorized Aut draft payments from my checking account. We had to go over this several times. I told her I had some medical issues, and had missed some work and I needed to change to manual payments. She talked to her manager, then came back and told me they would remove my Aut draft from my checking account, but my payment was still due by theXX/XX/XXXX Today I checked my bank account, and they still auto drafted my account. This has caused even more financial hardship ... and I want this stopped. Being that I called on XX/XX/18, One Main Financial had more than enough time to cancel the auto draft on my account.
06/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 44446	Web
I received the loan on XX/XX/XXXX from the loan officer XXXX XXXX, deposited in XXXX sometime early in the morning. I gave him my social fulp name, bank routing and account and my log bin bank info. The amount was {$990.00}. A guy with an XXXX voice named XXXX kept ordering mentor buy {$50.00} and {$100.00} gift cards, scracthed Tuesday XXXX and take pics of other and he'll then send me the money. I had a feeling it was a scam and illegal so I stopped doing the procedure 's. He then got angry and impatient. Texted me another number that was his manager, but when the manager picked up the phone, sounded like the same guy. He threatened my social benefits along with return deposit that left my bank in negative balance on XX/XX/XXXX.
05/19/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	PA 18052	Web
This company call repeatedly throughout the day, sometimes in excess of 12 times, all from different numbers. They have also contacted a friend of mine several thousands of miles away, several times this past week. Yesterday and just today was the last time. A woman by the name of XXXX XXXX called from XXXX . She told my friend that she thought she was me, then asked for my number. She was told no information would be given to her without her stating who she was and what company she was calling from. She would not disclose the company name. I have sent several e-mails as well as letters to the company asking them to stop calling my friends and family, and stop harassing me several times per day, and the continue to do so!
03/29/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92131	Web
The company continues to add on fees that I am unaware of. I understand that yes, I get behind on making a payment. But, when I make the payment, I am always told this will take care of what needs to be taken care of for that month. The next thing I know, I am getting other charges saying I have racked up numerous late fees that were never disclosed to me. When the company went under another company, all of a sudden these fees were always there. The most recent instance took place in XX/XX/XXXX where I talked with one of the lenders, and he clearly stated the amount I am paying will satisfy what I owe for the month. Then I get a letter in the mail stating the amount I paid did not satisfy that month and they needed more money.
09/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX XXXXX	Web
I applied for a loan with spring lead financial and borrowed XXXX they are including interest to the bureau that shows a balance of XXXX. No other credit company has even reported or included interest to a bureau. It 's not fair. It 's not accurate and it damages u when applying for a loan because the debt to loan income is not accurate which results n a denial from whom ur asking credit for. I have disputed this with bureaus and also they personal they reporting it 's correct well it 's not. I also have a loan with XXXX and few other XXXX they do n't include adding interest to a credit bureau .and the amt they said is correct on bureau do n't even match they automatic recording when u call. It 'd XXXX less than bureau reporting
02/15/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 78046	Web
I wanted to payoff loan and showed balance of XXXX. I went to the local store to payoff and they were charging me over {$100.00} more than the balance owed. I called the following day to corporate office and still had to pay over {$100.00} to close the account but was still less than what the local office was charging and it was said to me if they wouldve closed it the day i had gone the local office the interest wouldve been even less to payoff. Ive been paying this loan for over 4 yrs and have been called to renew several times after I said no! Ive been getting calls to renew and take home {$1500.00} but as I looked back I would have to pay more than triple that amount. They make nearly impossible to payoff and close account.
12/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80132	Web
My mortgage company put on my credit report that I was 31 to 60 days late on my house payment. They did the same thing 3 years ago. I had proof then and I have proof now that I was NEVER 30 days late, let alone 31 to 60 days late. I called and they supervisor I spoke with was very rude to me about it. I stated I had proof and she refused to take it. She told me to write her a letter and then they would consider that matter but until then I 'BETTER MAKE MY PAYMENTS ' or she will make sure she continues to put negative marks on my credit report. Last time this happened I had to file a complain and call the corporate office to get it off my credit report. I paid my account then and now, I was never 30 days late on this account.
04/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 151XX	Web
My loan is for only about {$8500.00} but the statements are confusing. They only show the amount owed after all interest over the life of the loan. For example I borrowed the above but my statement shows {$16000.00} and this also appears on my credit report which hurts my debt ratio. It would be as if my mortgage is {$60000.00} but instead of showing what I borrowed they show the amount on my statement with all 30 years interest in the total but no where does it show the original amount borrowed. Which would make it hard to see if my payment is being applied correctly. It also does n't show my interest rate. I am requesting that my statement reflect the basic info that every other business seems to be able to print on theirs.
03/13/2017	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NC 28227	Web
On a few occasions, I have been late with a 2nd mortgage payment with Springleaf ( now One Main ). The online portal will represent that I owe for two months. When I pay for two months, they always credit the first month and then apply the rest to additional principal. This results in harassing phone calls about overdue account and a lengthy phone call with them where they have to go back and research payments for a year to finally agree that they misapplied the payment. Sometimes it takes several calls and several different people making several attempts to adjust this payment. Are n't these institutions held to some sort of standard to apply payments to outstanding balances before applying payments to additional principal?
06/17/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 600XX	Web
I had called the first week in XXXX, I was laid off and wanted to see if they could help. I was told they could modify the payment for two months, from XXXX. To XXXX, they sent paperwork I signed and was told all good. First payment I made that day was correct, second payment full amount was taken. I called to try to resolve this and was told by XXXX I was wrong, he had notes and recorded call. I asked for the paperwork to be emailed to me and to pull call. I never got paperwork, and was told he was not sure how to get call pulled and could not give a timeline. I also set up a new due date in XXXX, and they did not set it up until I called after they took the payment on the old date and was told it fell through the cracks.
04/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80817	Web	Servicemember
I contacted One Main in XX/XX/2018. I have asked them to provide me with specific information regarding the said account. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. I have previously informed them that my ex husband XXXX XXXX is responsible for the debt as stated in our divorce documents. The debt was incurred through identity theft and deception. I also has insurance and liability on this loan in the case that anything should happen. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
09/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20002	Web	Servicemember
OneMain is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, one main still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life
06/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 43230	Web	Servicemember
Loan was with One Main Financial ( XXXX ), XXXX XXXX XXXX, XXXX Ohio, taken in XXXX, 2015 Actual Loan amount {$4700.00}, for 30 months. Total to be paid with finance charge {$6500.00}. Total I paid in 12 months was {$6000.00}. ( XXXX pmts of {$210.00} and XXXX check {$3400.00} ) .In XXXX when I called for pay off amount was given {$2000.00}, but when written letter received payoff was {$3400.00}. When I asked for report of how may payments was allocated ( interest and principle ) they refuse to give to me. I received my last payment of {$210.00} refunded to me. I believe One Main Financial took the total finance charges before applying money to the principle. One Main Financial owes me at least {$1000.00} if not more.
12/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91302	Web
Their info and process is not transparent and dont give clear info. I paid a big chunk of my loan last year and they told me i have the payment due one year after. I still paid some before the next due date. I am paying more now than before even, but i still get few calls a day telling me i am behind and they will send me to collection and my credit will be ruined and they are charging more for finance charges. They are charging me 37 % interest and never decrease the payment amount due to lower total. The never give me clear numbers why and how they are charging me this much and why i am behind with higher payment with lower amount owing and still the amount owing keeps increasing. It is like contracting with devil.
01/09/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 392XX	Web
I have a loan with a small remaining balance with One Main Financial XXXX XXXX, XXXX XXXX. There is a 10 day grace period before there is a late fee attached to the bill. I have told this branch a couple of years ago to stop calling me during the grace period. For the past two months I have had a short fall and I have paid after the 10 day grace period. They call my job and leave messages on my voicemail and do not state who the company is but they just leave their name and ask me to call them back. I do not have a direct number to my office phone so they are calling the receptionist everyday and asking for me. This is the only company that I know that does this. Anyone else will send a later after the grace period.
06/01/2019	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	FL 33157	Web
Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as One Main XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
02/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 43035	Web
I am behind on a payment on my loan with One Main Financial. I specifically put in writing and requested they no longer call me at work. The branch manager agreed in writing and said they would remove my work number. They have started calling me again at work and even left me a message on my work voicemail. The dates this occurred was on XXXX XXXX XX/XX/18, XX/XX/18, XX/XX/18, at XXXX XXXX, and today left a voicemail at XXXX XXXX today. Their contact information is below. They have my cell number and have also been leaving multiple messages a day on this voicemail as well. Branch Manager : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX : ( XXXX ) XXXX Email : XXXX XXXX
02/28/2017	Yes	Consumer Loan Title loan	Can't contact lender	FL 32209	Web
on XXXX XXXX, 2013 I received several phone calls from Onemain Financial about a payment on my account stating that my account was past due. and and the lady told me i better bring my XXXX XXXX to the office and make payment, i went to the office and told her she will treat me with respect and she called the police on me. so i sent a cease and desist letter to Onemain Financial to stop harrassing phone calls and to comunicate with me through the USPS. and since that day Onemain Financial has refused to accept my payments and caused me to breach the contract for a loan that is secured with my vehicle title. and they have listed a different account number regarding this loan with with the credit reporting agencies.
05/30/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	KY 420XX	Web
I borrowed approximately {$11000.00} from Springleaf Financial. A couple months later I made a call to pay the entire balance off. The lender told me if I would leave a small balance they would report to my credit to improve my score. I asked if the interest would be on the balance only because I no longer needed the money they lent but did want a higher score. They agreed and told me I would not owe any payments until XXXX. I paid them {$10000.00} that day leaving an {$1100.00} balance. Statements were sent with no details of interest except {$0.00} due. Now years later they want to charge me interest on the entire XXXX. In other words they want to charge over {$7000.00} interest on a balance of {$1100.00} loan.
12/04/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 497XX	Web
I have been having issues with paying the full payment each month to One Main Finacial. I have tried talking the ladies at the local office and letting them know that even though I am paying less than the normal payme I am paying something at least once a month. I receive harassing phone calls from them on a daily basis pressuring me to pay more that I can not afford to and now thy are calling not only me but my place of employment and my co borrower and his place of employment. I have asked them several times to stop since I am paying something on the loan each month and it continues everyday sometimes XXXX times a day. I am afraid they are going to cause me to loose my job then none of my bills will get paid.
04/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 450XX	Web	Older American
I have a loan with one main financial XXXX XXXX XXXX. XXXX oh XXXX my monthly payment is XXXX due on the XXXX of each month. they tried to take my XX/XX/XXXX payment out early and put me in insuffient funds. my credit union XXXX XXXX charged me XXXX XXXX XXXX. when I called branch manager at one main XXXX XXXX she apologized and told me she would return my XXXX. I went ahead and made a payment on line for XXXX $ on XX/XX/XXXX and then they went into my account again and took out XXXX.they double dipped.i have had problems before and they assured me everything was fine.XXXX even told me they would not debit my account twice but they did. these people can not be trusted.i will never do business with them again
07/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60106	Web
I applied for this loan online and was contacted by a local office. My credit score was good, somewhere XXXX. These days I decided to go over the loan paperwork and was frustrated how they charge me and how little goes to the principal every month. I am on paperless bills, so I never actually went through details. The most misleading is how they introduce their product online, and what you are sold at the end. I am expecting from them the pay off balance now. I was very frustrated when went to check again how much I should repay. This kind of personal loan should do not exist. If they are allowed, they should be sold to people with credit below 500. It is a shame to call this service a financing service.
10/24/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20774	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
10/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27106	Web
The branch manager refused to answer my questions regarding harassing phone calls when my account is on a direct draft each month. When I asked for the anime of the representative who called multiple times, the manager refused to provide me the name and hung up on me three times when I attempted called back to speak to him. When I went to the branch and advised him that I thought it was inappropriate for him to hang up on me, he advised em he did not hang up on me but was done speaking with me. I asked further question about my account and when I advised him I would contact the consumer Financial Protection Bureau, he said I was threatening him and said he would call the police if I did not leave.
12/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 706XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} Terms : High Balance : {$5000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : ACCOUNT TRANSFERRED OR SOLD CHARGED OFF ACCOUNT
10/26/2018	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	FL 344XX	Web
They keep sending me offers telling me I'm qualified and an offer number so I go online and apply and it states that I was approved for an amount providing I can provide the proper documentation which I can then everytime they turn around and say no I'm sorry we can't help you at this time. My main problem is not that they didn't give me the loan the problem is this is the 3rd time they tell me I'm qualified and they do a hard inquiry on my credit reducing my credit score after I've worked hard just to get it over 605.even on my XXXX XXXX app it says my approval odds are good for this company I just answered another one of their letters only for them to turn me down and lower my credit score
09/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97322	Web	Servicemember
On XX/XX/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through One Main Financial. One Main did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11225	Web
One Main Financial ha s incorrect hard inquiries on both my XXXX and XXXX credit reports. They are showing inquires from XXXX / XXXX / XXXX . Inquiries that I did not authorize. One m ain financial has sent me a letter on XXXX stating that they do not see hard inquiries on those XXXX reports even though I sent them a copy of both reports. I do not know wha t one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX and XXXX report. The inquiry date is XXXX / XXXX / XXXX
06/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AR 724XX	Web
I was contacted by a Man through text message and by phone saying he was with a Loan Company by the name of 1Main Financial .... He told me I was approved of this Loan But I needed to purchase Insurance, In Case I wasn't able to pay out the Loan .. He requested I purchase a {$200.00} XXXX XXXX Card .... That was going to be used for Insurance ... I Have Reciept of that purchase ... After talking to this Man, 15 mins he stated I needed to pay Taxes on this Loan Money ... .. I Then knew it had to be a Scam .... He stated he lived in a Tax Free State .... Haha ... I have a phone recording of him saying he will be taking money out of my account! I NEVER received any Money ... .. What can I do?
12/19/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CT 06066	Web	Older American
I filed a bankruptcy and One Main Financial offered a re-affirmation on the debt, lowering the amount and interest rate, this enabled me to request and attain a Bankruptcy dismissal this past month. The re-affirmation new payment was to start today XX/XX/18 and when I called to make the first of 48 payments for the car loan, they then told me this was no longer a valid offer because I dismissed the Bankruptcy, I said as you know I dismissed it because you gave me an affordable re-affirmation as we discussed. They ignored me and their earlier assertions. The loan was XXXX dropped to XXXX, the interest rate from 19 % to 6 % I feel this is bad faith lending practices by One Main Financial.
08/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07104	Web
In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from One Main Financial to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated onXX/XX/XXXX attempting a final goodwill gesture to allow One Main Financial to contact their erroneous reporting, and they did not do so. I also sent a certified mail to XXXX dated XX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.
11/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70461	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2015 Balance : {$4800.00} Terms : High Balance : {$4800.00} Limit : Past Due : {$4800.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 30141	Web
I took out a personal loan with a company called Springleaf Financial and I was making the payments on time until I ran into some financial trouble. I tried to work with company to make payment arrangements but that would not help me and then took unauthorized payments out of my bank account with out my consent. Now the company has changed over to One Main Financial and I am back to making payments, I am constantly be called harassed daily on my personal phone and on my job my about making payment arraignments, getting my checking account information, and when is my next pay period. They even go as far as telling me to go barrow the money from someone else so that I can pay them.
02/02/2017	Yes	Consumer Loan Title loan	Can't stop charges to bank account	TX 760XX	Web
I got a loan with One Main XXXX XXXX. for I think $ XXXX ( Ca n't find statement for initial letter. I have fallen on hard times and called them XXXX/XXXX/XXXX because I noticed that as of my statement on XXXX/XXXX/XXXX I still have a balance of {$1900.00} left. This is ridiculous after all this time. I called the company and explained I could n't pay the loan anymore and to come get my car. The company waited a couple of weeks then called me back and told me the would not come get the car and I stilled owed the balance. This does not seem fair. I am on XXXX and I feel that I am being taken advantage of. They call my phone at least 5 times a day and will not just come get the car
01/26/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MT 59601	Web
We obtained a loan thru One Main Financial and paid on the {$5000.00} loan for 2 years with an interest rate of 35.99 %. After 2 years of making payments ( on time ) we went in to the institution with {$4500.00}, hoping to pay it off in full. They would not except the payoff because they said our payoff was more than what we took the loan out for. At that time we did n't realize The interest rate was that high because when we took out the loan everything was signed with an electronic signature and we were unable to see any paperwork or details actually stating the interest rate. We were desperate for the money and feel we were lied to and taken advantage of by One Main Finamcial.
04/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 115XX	Web
One Main Financial took an automatic payment from my bank account and enrolled me into the ir Direct Pay pro gram. I never signed up this at any time and even made my standard payment to them a few days before my payment due date. I spoke and emailed the branch on Friday, the XXXX and told them they made an Unauthorized payment. Today, on XXXX , I called the branch to inquire on the status of my returned payment. They told me they needed a copy of my bank statement showing me that they Debited the payment. I thought this was intrusive and quite inconvenient. I Never at any time signed up for automatic payments and now I am being inconvenienced because o f One Main 's error.
09/03/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA XXXXX	Web	Servicemember
When I negotiated terms of the loan repayment after I separated from my spouse, the creditor began calling my spouse, which is normal. My estranged spouse gave them another contact number for a friend ; at that point, the creditor began to call them repeatedly, asking for me. I spoke to the creditor, and asked them thrice not to contact anyone but me when dealing with this issue ; I have since made arrangements to pay the balance in full to avoid any further contact, but the creditor still called my friend twice within twenty minutes to attempt to get them to contact me. Since I had made arrangements to pay the balance in installments, I have never missed a payment ... ever.
05/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 297XX	Web	Older American, Servicemember
Just because I got myself in a mountain of debt, that is no reason for a company to take advantage of me. The company already had me into it for a large loan, then it approved another loan on top of that. They charged me interest like they are loan sharks. XXXX loan states that I still owe them XXXX I know that I have borrowed no more than XXXX from them. Another XXXX at the same company states that I owe them XXXX I know that I have borrowed no more than XXXX from them. I set up a direct pay from my bank to pay them every month from my checking account, and they still charge me a late fee every month even though I never miss payments. I am being taken for a ride.
04/27/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 15108	Web	Servicemember
Within the last 2 to 3 weeks ( XXXX XXXX or so ) I have been receiving calls on my home phone and cell phone from a person who says he is with " OneMain '' and it is " an attempt to collect a debt '', and that I should call back according to times in the Pacific Time Zone. XXXX of the numbers he called from are : XXXX and XXXX. I have no idea what debt this outfit is talking about ... ..I have no outstanding debts with this company or any other. I am reguarding these calls as deceiving promotional calls and am blocking them. I have received no correspondence from this company nor any other about any outstanding debt. These calls are completely falascious and must be stoped!
11/23/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 76135	Web
This is NOT a duplicate complaint. This was my original petition : '' OneMain Financial- Pay Status and rating key are conflicting. Contradictory and inaccurate. Demanding that OneMain Financial request account deletion from all credit reporting agencies ( XXXX, XXXX, and XXXX ) '' Please note my attachment. It clearly notes and backs my claims. You will notice descrepencies in XX/XX/2011. The Rating Key is coded as a charge-off XX/XX/2011, yet the Last Payment Remark indicates that the account was Charged Off. This is contradictory. Because of such, it is erroneous credit reporting and therefefore I am demanding that the account be deleted from all XXXX credit bureaus.
02/02/2019	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	NJ 07108	Web
I pulled my credit profiles and noticed 2 credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable and noted that the address didn't exist. This is the same address reported by the company on my credit profile. The law requires that credit reporting agencies report complete and accurate information. These 2 credit inquiries can not not be verified per the undeliverable address referenced on my credit profile.
06/21/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KY XXXXX	Web
This company is One Main Financial located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. We are working on a debt consolidation with XXXX XXXX XXXX and we have sent a cease contact with us. But they continue to call myself and my husband at our phone numbers at ( XXXX ) XXXX and XXXX. I get about two calls per day and my husband gets two calls per day. They leave messages on my voice mail and will not quit. I would like this to stop and work with XXXX XXXX. I lost my job two years ago and am under employed and ca n't continue to make the payments so, we went to XXXX XXXX to help us resolve our debt. Attached are documents that we have sent to stop the calls. Regards, XXXX XXXX
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11225	Web
One Main Financial ha s incorrect hard inquiries on both my XXXX and XXXX credit reports. They are showing inquires from X/X/16 . Inquiries that I did not authorize . One main financial has sent me a letter on XXXX stating that they do not see hard inquiries on those XXXX reports even though I sent them a copy of both reports. I do not know what one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX and XXXX report. The inquiry date is X/X/16
08/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ME 040XX	Web
I had a mortgage with Springleaf Financial starting in XXXX. I did a loan modification in XXXX XXXX in XXXX XXXX they did an escrow anaslysis and their party company that does the taxes and insurance reported we owed more taxes. So Springleaf increased my payment ( I was unaware ). I kept on making my regular monthly payments but because of the inaccurate report from a company they hired the payment was not distributed correctly which made me 2 months behind. I XXXX XXXX they realized the error but they did not go back and recalculate the payments to bring me current. Instead my mortgage was sold to a company that has a BBB of an F and reported as two months behind.
09/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 14206	Web
I filed a complaint against One Main Financial regarding their lending terms and practices. I was concerned that the terms of my loan agreement were usury and unfair. Shortly after submitting this complaint with your office, I was contacted by the customer service office of One Main telephone number ( XXXX ) XXXX XXXX, where I was questioned about the nature of my complaint. Shortly thereafter, I noticed that an unauthorized debit was initiated in my checking account by One Main Financial. I am concerned that this debit, which was processed without my consent or authority, was processed in retaliation to the complaint I filed against this company with your agency.
01/19/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70003	Web
I was unable to make payments due to medical crisis in my family and on XXXX/XXXX/XXXX I made a payment arrangement with Spring Leaf to make {$50.00} one time payment and {$70.00} thereafter till I am able make the full monthly payment beginning XXXX XXXX. I have been paying as agreed but Spring Leaf is sending Sheriff to harass my family -- my husband recovering from XXXX and our daughter with XXXX challenge. When I called them to ask why, they said if I do n't want the Sheriff at my door, I should go to the Sheriff office to sign some papers! See attached fax cover of hardship request I made for the payment arrangement and my bank activity showing my payments.
06/23/2015	Yes	Debt collection Mortgage	Communication tactics Called after sent written cease of comm	NC 27030	Web
After agreeing to make payments from this summer until loan was paid off, they agreed to this. Now I sold my home on XXXX XXXX XXXX XXXX, XXXX, NC, Springleaf has refused to re assign the property lien over to me so that I can avoid foreclosure. If the " short sale in lieu of foreclosure '' does n't close by XXXX XXXX, 2015, the home will be foreclosed. Please have Springleaf reassign the lien to me so that I can avoid foreclosure. I do not get proceeds from the sale.The loan manager on XXXX XXXX, by previous name American General, came on to me as harsh and rude. Now I am working with that home office to stay away from him, XXXX XXXX, XXXX XXXX XXXX XXXX, NC.
06/19/2017	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	TX 78109	Web	Servicemember
i have about XXXX credit hard inquiries that were randomly on my account all within a weeks time frame. I did not make these inquiries as I was building my good credit starting at a score of XXXX , and these inquiries knocked me down to a score of about XXXX I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries. They said it was authorized, although this was online transactions, that I did not do! I have authorized XXXX inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!
08/13/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30240	Web
I told the company that they could come get the vehicle.. the shop that has the vehicle has sent out letters for them to come pick the vehicle up and they fail to do so. I am in a financial bind and am not able to make the required payments, before this I have never missed a payment or has been late. The vehicle is ready to be picked up and is available to the company. Why want they get the vehicle back? They keep calling my job and upsetting my coworkers by telling them they are lying about me not being there ( I have been on leave for 3 weeks ) I have asked them to please stop calling my job and just call my cell number but they refuse. This is harassment!
08/23/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	FL 32907	Web	Servicemember
The institution sent me a fraudulent letter ; in it they said I was pre-approved for a loan of up to {$8000.00} ; however after completing the application I was told I did not qualify for any amount. The problem is that I had to authorized them running my credit check, which deducts points. I always believed pre-approved meant already approved. I wouldn't have even applied if I were not pre-approved ; I was hopeful this loan would help better my credit not lower it. False advertising from part of a financial institution is a fraud and deceit of the worst kind ; because the damage to our credit is already done and all they say is sorry, you are not approved.
01/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89502	Web	Servicemember
On XX/XX/2019, One Main Financial illegally obtained my credit file. I called One Main to explain I did not authorize them to pull my credit. One Main told me to dispute it with XXXX. I explained that XXXX would require a letter from them to remove it, yet One Main refused to remove the inquiry. Today, XX/XX/2019, I contacted XXXX, per One Main 's suggestion. Just as I told One Main, XXXX requires a letter from One Main. I did not authorize this inquiry into my credit file, and neither XXXX, nor One Main will remove it. This is ONE MAIN 'S obligation and duty to request removal through the credit bureau ... NOT MINE. They illegally obtained my credit file.
08/28/2019	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	FL 33617	Web
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
10/07/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	PA XXXXX	Web
On XXXX/XXXX/XXXX, I requested for a car loan for {$4000.00}. The lender issued me a Personal loan with 26.51 % interest ; but the contract document says it is a Secure loan with the car as collateral. The contract does not say Personal loan anywhere ; but the loan-writer verbally classified it as Personal loan to rationalize the high rate. In practice, I was given a Car loan with Personal loan rate. I requested the lender to modify my interest rate from 26.51 % to 16 % in XXXX XXXX. The lender refused. The lender added additional items ( disability insurance, life insurance, fees, and cash-back ) without clear explanations and wrote a loan of {$4800.00}.
09/23/2019	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	TX 78621	Web	Older American, Servicemember
Onemain and One main financial changed. When they changed, they reported twice to XXXX. One main financial eventually deleted from my report, however, Onemain reaged my account that now shows 1st delinquency in XX/XX/XXXX. The first delinquency was XX/XX/XXXX and no more payment were ever made. It is now over seven yrs since I quit paying, yet Onemain refuses to accommodate. I have attached a copy of my report from both companies showing that one main changed my acct number and reaged the debt. I have made numerous attempts to get one main to delete the account with no success, including filing 2 disputes directly with XXXX, contact by mail, and fax.
02/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 467XX	Web
XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry I did NOT inquire about any of this!
03/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	IL 629XX	Web	Older American
In XXXX I got a loan from XXXX XXXX. In XXXX I file Bankruptcy chapter XXXX. This loan was included in my case. After the discharge I was still paying on this loan. The loan was only for XXXX dollars and the payment were dollars then it went to XXXX. I have been paying on this loan for the last XXXX years and the balance never change. I have never miss a payment. I look at the bill and found out that IM not getting any credit for my payments .The loan has been sold to Sping leaf and now its call one main, I need help .If I have calculated the payment right I have paid them almost XXXX over the course of 13 years I don't understand what going on.
09/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 373XX	Web	Servicemember
all of the above- refuses to dismiss as fraud when the company decieved me. onemain has not proven that they bought the account from a 3rd party collector. takes 90 days ( limit is 30 ) to respond to challenges and then continues to refuse to remove negativity.they were contacted by XXXX XXXX and refused to them also for 9 mos. since the company defrauded and decieved me then refused payment twice from legitimate banking info- I REFUSE TO PAY THEM. I have the RIGHT TO REFUSE under FCRA. therefore account must be deleted. keeps reporting as " in collections '' to the bureaus despite multiple legal demands. DEBT IS NOT OWED. THIS IS EXTORTION.
06/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 298XX	Web
2010 I modified a mortgage loan. Caught up XXXX payments w/ American General. They lowered my interest rate XXXX. After I got divorced, XXXX again I wanted to modify my loan thinking I could get a lower interest rate catching up XXXX payments. I got my signature notarized at my local bank and sent XXXX now Springleaf ) papers. Thinking they XXXX again lowered my interest rate cause my payments were lower. They had taken away seven years of payments and put it back to 20 years. I told them it was n't right and I did n't realize they took away 7 years of payments at XXXX a month and I 'd sue them. The next month Springleaf sold my Mortgage to XXXX.
11/06/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL XXXXX	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
10/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30084	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
04/24/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	MS 38632	Web
ive had a loan with this company since atleast XX/XX/2013, i have always been a good customer, i am now in a financial bind and i am running a month behind on my payments. they are threatening me, calling my work after i have asked them what can i do to bring my account current or how can yall help me. they never say anything nor try to help. i have never had an issue making my payments before until now and they will not do anything. the manager XXXX is rude and i have asked her not to call my place of employment and my references have also asked and she continuously calls. sometimes they will call 3 times in a row within a 2 minute time frame.
03/25/2019	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30058	Web
Hello my name is XXXX XXXX, I am filing this report due to a loan that was reported on my credit report recently I really do not have any knowledge of this account all I can say that it was told to me by Onemain Financial that the previous lender for this loan was XXXX XXXX the Account number was giving to me by OneMain is XXXX and that they brought this loan from XXXX they also told me that they brought the loan which is {$14000.00} and my payment was {$500.00} a month they also told me that this loan was open in XX/XX/2002 had no connection with XXXX are Onemail Financial so I am asking CFPB to contact them for me for clarification thanks.
02/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 61801	Web
I was able to receive a loan from One Main Financial. The loan was for {$6000.00} for an interest rate of 35.99 %. They tacked on the interest rate and the loan was over {$11000.00}. I asked the agent why the rate was so high. She said it is a yearly rate. I then asked if I paid triple the amount owed would the interest still be that high. She replied no. Well that is a lie bc I did not realize it was a rule of XXXX loan, which is a total rip off. Companies should not be able to do this to borrowers. Its an awful loan and no one should sign off on this. I would have never done so had I fully digested what it was I was indeed signing off on.
09/20/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AR 725XX	Web	Servicemember
Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XX/XX/XXXX 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XX/XX/XXXX2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt. I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.
03/16/2016	Yes	Consumer Loan Pawn loan	Charged fees or interest I didn't expect	OH 44221	Web	Older American, Servicemember
took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.
09/20/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AR 725XX	Web	Servicemember
Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XXXX XXXX, 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XXXX XXXX, 2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt. I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.
06/08/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	VA 240XX	Web
One Main Financial, XXXX Virginia. If you are a day late with a payment they will call you 8-10 times per day and will still call after you speak with them. We know we have to make a payment and they do not need to continue to call so many times. They told us why they call so much and leave messages is because we do not answer the phone. If you have multiple household members and you each have a loan, they will call each person 8-10 times per day. Our phone rings constantly! This is a small company and they know that there are XXXX household members with separate loans with the same phone number but continue to make repeated phone calls.
07/16/2019	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	IN 46214	Web
On the XXXX of XXXX, I received a pre-qualification letter so I applied. The website said it would not effect my credit score, but as soon as I pressed submit, I got an alert that my credit had dropped from a hard inquiry. I called the company and they said stuff that made no sense. I feel that the website was deceitful in their wording. They transferred me to the credit reporting department and said I needed to send in a dispute. I dont feel like I should have to jump through hoops for something that shouldnt have happened in the first place. I feel like the company used deceptive practices in order for people to apply for their loans.
01/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA XXXXX	Web
I have a loan out with One Main Financial, and I have been paying it faithfully, but I am sometimes late due to my paydays and how they fall. This company constantly calls me from the day the bill is due until like a day after the bill is paid and harass me. They do n't just call once a day they call several times a day and it 's always someone different. This harassment is causing my severe stress and I am breaking out with XXXX due to it. They will not work with me to be more flexible with the due date so that it does not create this hostile environment. I have never been so frustrated with a company as I am with One Main Financial.
03/10/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 54494	Web
OneMain Financial refuses to reclaim collateral that was discharged in my Chapter XXXX bankruptcy or release the lien on the collateral. I have contacted them several times and they continue to refuse reclamation or release of the lien. When informing them I would be returning the collateral at my own expense to their branch office as suggested by my Attorney they threatened I would be responsible for any fees they incur to move, store, dispose of the vehicle. I am not responsible for this legally discharged debt. OneMain is being vindictive by not reclaiming the collateral or releasing the lien so I can dispose of the collateral.
06/25/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78214	Web
One Main Financial calls me four to five times a day. I work during normal business hours and can not be contacted at work. They reach out to my husband as well. We receive several calls and voicemails a day. I have voicemails releasing private information. The voicemail states they are contacting me on a past due balance. They need to speak with me on my account it is urgent. They have left the date my payment was due. I have made contact and scheduled a full payment and they still continue to call. My payment was due on XX/XX/XXXX, today is XX/XX/XXXX. I understand if I have not spoken with anyone or made a commitment but I have.
03/01/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 60619	Web
I have tried to work with the lender directly in terms of paying off my loan at the correct remaining balance for a few months. Since then, my lender is attempting to delay communication in order to continue charging an outrageous amount of interest at the rate - 33.498 %, and recently put me on an interest-only bearing term which I was unaware of. The lender has charged me unreasonably high penalties for failure to keep up with repayments and took advantage of the fact I was unemployed for a year. The lender has told me they will not be able to work with me until my account goes to collection because I do n't have an attorney.
12/12/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	GA 30274	Web
i partially filled out an application on line to XXXX financal, deleted the app because i changed my mind about it. Then i recieved XXXX phone calls from them about finishing my application so they can process it. I TOLD THEM NEVERMIND i wasn, t intrested in getting a loan from them after all. So today i recieved in the mail where they pulled my credit report as if they went ahead to precess the loan. this is wrong on all accounts. so i have made numerous phone calls to them complaining and they say its a process for them to reverse the inqury. why did they pull my credit info when i specifically told them nevermind. on the phone
03/26/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 35758	Web
I spoke with someone at Onemain and asked them not to call me at work because I am not the only who have access to the voicemails we have no full privacy at the workplace. I was really humiliated when I received a call on on XX/XX/2019 not only did the person ( XXXX ) call but she left a voice message and the most embarrassing thing is she left the a message with the telephone number and which my coworker looked the number up and knew it was a individual calling about a debt I owed. She then called again on XX/XX/2019 and left another message. I also received a call on XX/XX/XXXX from a individual who call from a local cell #.
03/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	IL 60586	Web
OneMain Financial Services kept calling my place of employment because I was behind on the loan I had with them. They were told once by a co-worker I 'm not allowed to have these types of calls, they persisted. They where then told by my HR manager to stop calling here for me, they persisted. They were told once by myself to stop calling, they persisted. They were then told two separate times by my compliance manager to stop calling and they persisted. They have put my job at risk and now have filed a lawsuit against me and are taking me to small claims court. I need help with this situation. Please advise me on what I should do
12/11/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	PA 19131	Web	Older American
The homeowner is a XXXX year old senior citizen who has a loan with One Main. The homeowner has been paying her mortgage on time since XX/XX/2000 which should have been paid off. The homeowner still have a balance of approximately {$4500.00}. XXXX contacted Lender for update status. This is a revolving line of credit. I have enclosed her payment history. She is not willing to pay anymore towards this mortgage until she receives some answers to where her mortgage payment is being applied and believes that she should receive a refund for over payments. She is asking that you please assist with this mortgage and provide an update.
02/27/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60148	Web
One main financial has been repeatedly harassing me. They have repeatedly called me at work after myself and my boss notified them I can not re have personal calls during business hours. It got to the point where my boss has to have a conversation with me about them harassing and calling everyday. They have interrupted my day numerously. They have threatened to sue me and garnish my wages. The representatives were never pleasant or positive. I have talked to them several times making them aware of my decreased financial income. I was in a car accident t in XX/XX/XXXX and a horrific life changing auto accident end of XX/XX/XXXX.
08/29/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	MS 39046	Web
Well my mother in law helped me get a loan through springleaf Finance and my payment is due on the XXXX of each month and there calling me on the day of every hour on the hour there also calling my job and my mother in laws job threating me and telling me that they did n't want to give me the loan and if it was n't for her I would n't have the car. Now I have set up arrangements to pay on the XXXX due to how I get paid from work now there saying to pick up the vehicle because I have n't came in to make payment which as I said arrangements has been made ... I would like to know what I can do in order to stop to threating calls??
12/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI 53218	Web
Had a previous loan with onemain financial with co-signer and lien on vehicle at the few flaws on credit.My loan was paid off with good standing and earlier XX/XX/XXXX.How ever the office made several calls to borrow again, and loan offer invite letters.On XX/XX/XXXX i applied for smaller loan XXXX dollars I was told that not enough credit, or co-signer, or a vehicle.My credit has improved I feel because I receive XXXX and work part-time there using that against me and to mention a hard inquiry on credit lowering my score.I also believe there using people like me crifeteria to gain co-sign customers to enhance there business.
06/09/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 92262	Web
I inquired about a loan for $ XXXX and was told the minimum loan was $ XXXX . One Main does a dvertise $ XXXX and up and then demands that a $ XXXX loan is the minimum. I was pushed to take a loan for $ XXXX to include my current car loan, which I did not want. The result was that I was rejected for the $ XXXX loan that I never requested and was quoted 35 % for the XXXX loan which I rejected. I received a letter stating that the loan had been rejected, a loan amount I never requested. The letter did not state that I had been verbally approved for the $ XXXX loan which I rejected. This is predatory lending.
08/20/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	IL 60073	Web	Servicemember
I applied for a loan at springleaf finance and received an email that I was approved for {$5000.00}. Per the email approval it was only dependent in employment verification, income verification and identity. I delivered everything they asked for then was told I was denied based on credit. The email they sent was deceptive. As obviously they was some other criteria it was dependent upon. I am happy to provide the email approval and the other they email they sent stating it was based on credit. They were specific in their approval letter and I was denied based on something else. I find their actions deception and misleading.
02/03/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NY 11550	Web
Yes my son and I apply for XXXX XXXX XXXX With very high interest rate We have been making payments every month 10 payments to be exact and we had pull out our credit report and the company reports the account with a wrong amount more than the initial amount we had borrow and even though we had make payments the amount doesnt seem to go down we never Knew the account was over charge they also are charging extra fee for extra coverage car insurance that we never were told about and when we applied in person we had proof of the actual coverage and they didnt say anything about having to get more coverage or anything like that
10/20/2018	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	FL 33168	Web
OneMain viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. XXXX XXXX XXXX viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and XXXX disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my XXXX file.
05/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33594	Web	Servicemember
Springleaf is reporting a loan on my credit report with inaccurate information. They are reporting a high credit of {$3700.00} on XXXX and XXXX while XXXX is reporting a high credit of {$4100.00}. How can a different amount be reported to each of the credit bureaus? Also the last reported date is different on all XXXX. XXXX for XXXX, XXXX for XXXX and XXXX for XXXX. So that means everytime I submitted a dispute to the credit bureaus, a real investigation was n't done and they would just verify the account. How can you verify an inaccurate account and not change the last reported date? The account number is XXXX
08/14/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	MD 20721	Web
Springleaf changed it's name to OneMain that's when all the problems started. I have my payments/ {$80.00} automatically debit at the beginning of the month. OneMain is reporting late payments for XX/XX/XXXX and XX/XX/2018 which is incorrect, since I have my payments automatically debited. I've contacted OneMain several times regarding the late payments that's being reported on my credit reports.The customer service representatives are not very customer friendly. Can someone help the consumer please. Also if you google Springleaf/One Main complaints you can view hundreds of complaints of UNsatisfied customers. Thank you.
05/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 705XX	Web
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
10/23/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17201	Web	Older American
ok I filed a complaint no XXXX one of the exective officers of customer care has emailed me twice telling me to call her. XXXX XXXX is her name. I emailed her back and said I would not call them. I am tired of being lied two.and told her to refinance my loan for {$170.00} a month and I would set it up auto pay. I know this would extend the loan for another year or 2. if they wont do that I told them to take me to court and sue me.i want this in writing not over the phone. I told her to send me all the paper work to refinance the loan and I d sign it and send it back.that was a few days ago she has n't emailed me back yet.
02/22/2017	Yes	Credit reporting	Incorrect information on credit report Account status	SC 29681	Web
One Main Financial is reporting with XXXX that I was 30 days past due. The same month they reported to XXXX that I was paying as agreed. I was not paying this account and did not pay this account late in the month that they said. I have statements showing that there was no past due amount. Also, they kept saying that I had other fees that never showed up on my statement. I keep paying on the account but did not know what I was paying for. They finally waived the NSF fees that stated that I owed, but at the same time, they reported that I was 30 days past due. This is wrong and a violation of the Fair Credit Reporting Act.
05/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 705XX	Web
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
12/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 02072	Web
This claim has already addressed by CFPB. I want a re-investigation This is about One Main Financial : Company falsely charged me and sent my name to collections for a debt I do n't owe. One Main has never responded to any of my letters. This is the first letter that I received from CFPB. I need company to re-investigate this claim. I am asking One Main Financial to provide me with evidence bearing my signature or any copies of documentation they have. They have replied through CFPB with a long letter with no evidence bearing my signature. I am making a final goodwill attempt to have this company clear up this matter.
10/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 296XX	Web	Servicemember
I took a high interest loan on a five year term. I paid the loan off in 35 months. the payoff was very little difference from the entire term of the loan. I received a letter 10 days after the loan payoff offering a refinance from the same company. the payoff on the letter was less than what I paid 10 days ago. the loan company told me to bring the letter up there. I did with no resolve. the person on the letter did not work there and it has me wondering if something very wrong is going on. I attempted contacting an attorney but did not find anyone is this field. I think this is predatory lending and should be stopped.
11/20/2018	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	IL 60647	Web
I have been contacting OneMain Financial, who appear on my credit file as OneMain numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
11/09/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	WV 26101	Web
I contacted my local office asking for a print out of the payments that I have made. The officer I could hear printed it and said it would be mailed within a few minutes he called back and gave me a XXXX number to call. When I called that number the person I talked to threatened me that I would never get that information and gave an amount that I owed him that he could not explain how he said I owed. Threatened me that he had my drivers license number and read it off to me. Told me good luck he would see me in court and hung the phone up. This happened on the afternoon of XX/XX/2018. I still do not have a resolution.
10/18/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	VA XXXXX	Web	Servicemember
I have a title loan with Springleaf financial who was bought out by One Main Financial. I have been paying extra to get my loan down. When I was discussing a payment with them the other day they told me that I had {$180.00} sitting there waiting to become a full payment. I sent them this money over time to reduce my loan amount. They kept it separate allowing them to charge me interest on my account. If they would have applied that money to my account then less interest would have been charged to me. This does not seem fair be it seems like they are taking money from me instead of applying that amount to my account.
06/19/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 92545	Web	Older American
This company, Spring Leaf, formerly called American General showed up on my credit report as owing them XXXX. This company kicked me out of my house at XXXX XXXX XXXX XXXX an sold the house XXXX, than the manager called and said I qualified to a medication, a government HARP loan. they had already sold the I had a XXXX ( documented ) because of their behavior I spent XXXX days in the hospital because of them, this behavior violated my 4th amendment rights to the constitution against illegal search and seizure and my 5th amendment right to the constitutional they paid no compensation during the economical melt down
06/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 604XX	Web
I took out an original loan for XXXX dollars at their crazy 35.99 % interest rate but I needed some funds in a hurry and paid off the loan early which would have been around XXXX for the full term but they charged me over XXXX for far less than the full term and did not refund me the overpayment now I 'm looking at this after signing up for an additional loan that again I need very short term ( {$5700.0 0} ) a nd they are reporting that I owe them over XXXX !! This is inaccurate reporting, they do not display statements, payments, and early payoff quotes correctly so they can intentionally XXXX you.
07/12/2018	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	IL 60620	Web
I have spoke to XXXX about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX as well. The inquiries that need to be removed are the 5 XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from OneMain on : XX/XX/XXXX 1 inquiry from XXXX on XX/XX/XXXX 1 inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 937XX	Web
I took out a personal loan from One Main Financial and paid it off in full on XXXX XXXX, XXXX. Then just recently i look at my credit report and it shows as i just took out a new loan in XXXX XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. They informed me that they did n't have any of my information because they operate as XXXX XXXX now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
11/09/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TN 38109	Web
I applied to a debt consolidation company XXXX for XXXX my debtors springleaf financial services. I informed numerous callers not to call my job about this situation to get in touch with me. The company continued to call my job day and night with my coworkers calling my house telling me that this company keeps calling. I informed XXXX about this situation I filled out and signed a harassment complaint form and sent to XXXX the companies. XXXX also sent in another form and the company continued to call. So XXXX told me to call the ftc, and ftc informed me to called consumer finance. Now I 'm at this point.
04/25/2018	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	MI 488XX	Web
I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from One Main Financial, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times. I've emailed the company ( one main ) without response. I've also filed requestes with XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.
03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	OK 74801	Web
After I filed a complaint against them on this website, they put on my credit report that the account is now closed, which in turn lowered my credit score by XXXX points. They did not really close my account. I have made a payment to them after this account was supposedly closed and they said nothing about it. Also, if you look on the report, they closed it under 'One Main FI ' and reopened it under 'One Main '. It is the same company. They are just doing this as a retaliation for me filing a complaint with this bureau in regards to their harassing me. My current case number for the harassment is # XXXX
03/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79106	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
12/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84041	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
07/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web
Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with OneMain. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly
08/07/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75150	Web	Older American
I OVERPAID THE LOAN, which was a ZERO INTEREST LOAN, as long as I made the 6 payments plus a balloon payment at the end. I did that. SpringLeaf a month later refunded the over payment. Then they began sending me letters because I was such a good customer. Then two years later they claimed I owed them some monthly payments. They are ruining my credit. I believe the underlying merchant asked them to lie about my payments so they do not have to perform warranty work. I would like you to investigate them. I sent them a nice letter asking for a history of all payments and they have ignored my request.
02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30058	Web
Springleaf Financial is another one that started in XXXX County because that is where I live. Payments were being taking out of my check regularly to satisfy my amount due. However, at some point again XXXX County stopped taking the payments. Instead of Springleaf contacting me to make arrangements, the also went to XXXX County after 5 or so months. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. I asked that Springleaf remove themselves because at the time I thought that my account was paid in full.
07/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OK 730XX	Web
I have a personal loan and a title loan with One Main. I called a few months back to see about refinancing my signature loan and was given the option to keep my signature loan and add a title loan. I did this. Today I called to see if I could refinance the signature loan and was told My budget was too tight so I was denied. My complaint is how. I refinanced my car with one main saved me XXXX a month. I have never missed or been late on a payment and I am still at the same job. So how was my budget ok to get a title loan but not ok to refinance on the note I have now. The payments would not change.
10/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 450XX	Web	Older American
on XX/XX/XXXX I was called by XXXX of XXXX XXXX XXXX in XXXX oh. since I was a good client she offered me a new better loan. my ols loan would be paid in full with no XX/XX/XXXX payment due. instead they took the payment of XXXX $ out of my aact. and also charged me an overdraft of XXXX $ they finally put it back into my account. I feel the rate charged was way too high. she told me a 36 mo. loan then changed it to 42. the closing was done on the phone because she said her documents would not go to my email, no fool like an old fool.now I am stuck with a longer loan.i feel this was very deceptive.
01/29/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 92345	Web	Older American
Representative of company came to my elderly mothers door and sold her a loan for which he claimed the government would pay for. Included in this loan was an option to purchase life insurance. My mother purchased life insurance and amount was included with loan payments thru XXXX. XXXX sold loan to another company etc etc. Loan is currently thru XXXX XXXX XXXX XXXX. My mother XXXX on XX/XX/XXXX 2017. I contacted XXXX XXXX XXXX regArding life insurance and was told they had no info On life insurance and was unable to access original records of XXXX so therefore life insurance could not be honored.
04/25/2017	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account information incorrect	PA 163XX	Web	Servicemember
Onemain financial charged my account on at a different time in XXXX around 2 years ago. They ran the account multiple times without enough money in my account causing multiple bank fees. I 'm not concerned about the bank fees. I 'm concerned that they wo n't stop calling and they have reported it as late even though I 've made several on time payments since. The loan is set to be paid off at the end of XXXX . Onemain financial is also reporting the total balance owed if I pay if I do n't pay it off early rather than reporting the payoff as of this month. Causing a higher debt to income ratio.
08/08/2018	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	FL 33702	Web
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
07/26/2018	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	OH 44136	Web
I initiated an application with one main financial, when she started asking me information about the loan she added my husband onto the loan. She did not tell me she was going to do a secondary application and run my credit score again. She never asked if that was ok. Then she called me back saying we were approved for XXXX after the underwriting department looked into it. She never said anything about a second inquiry which should not have been necessary since they already had my report. Had I known this we would have gotten 2 separate loans. She took away my right to decide on my credit file.
03/17/2016	Yes	Consumer Loan Personal line of credit	Account terms and changes	FL 33193	Web
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by SPRINGLEAF FINANCIAL SERVICES on XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
02/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 376XX	Web
i have partnered with XXXX XXXX XXXX in order to avoid bankruptcy. I have had a hardship and I am unable to pay my debts at this time. I have notified all of my creditors, all have complied with the do not contact request except for Onemain Financial, XXXX. I have sent them numerous requests to stop contacting me, especially at my place of employment. They are calling no less than 5 times a day! They are sending letters to my home, my husband, my place of employment and calling my cell phone relentlessly. This must stop. I have told them my situation however they refuse to stop harassing me!
08/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 383XX	Web	Servicemember
Hi, My name is XXXX XXXX. I have a bill with One Main Financial. I have been receiving harassing phone calls 3 or 4 times a day with the manager XXXX. I have explained to her the we were going through difficult times because we had to overpay the government {$800.00} a month. We had stop making payments at one time. We worked it out, I started back making {$800.00} payments to one main even though we are still struggling. She keeps calling 3 or 4 times a day even after I made the payments. One main is in XXXX, TN. The number is XXXX. I want it to stop or Im taking further action. Thank you
04/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32225	Web
Springleaf has reviewed my account and repurchased the judgment from XXXX. Also, Springleaf is vacating the judgment and assuring me that there will be no additional attempts to collect the debt. This information has not been updated to the court house of XXXX to remove the Lein, I am trying to purchase a home but can not due to Judgment still on my credit report also have not been removed from the court house. I have tried to contact Springleaf- XXXX XXXX XXXX at XXXX but he will not return any of my calls. As you can see they stated they are vacating the judgment but it has not been done.
07/09/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TN 37013	Web
I have attempted to resolve this matter with this company several times. My car was hit in front of my house and it was a total loss. The car was paid off by the other party who hit my car and I also had insurance on the loan so when everything was finalized the loan should have been paid off in full and I was told that it was. I continued to receive a demand for payment and I do not owe this company. I have asked for a full accounting of the loan and how the loan was processed after the accident and they have failed to provide that to me but they want me to pay them something I do not owe
05/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94501	Web
I had a loan through Springleaf which was paid off XXXX XXXX/XXXX/XXXX. Despite my phone calls they continue to bill for this and add late charges and fees. I believe this is effecting my credit score negatively. I spoke to a representative named XXXX XXXX on XXXX/XXXX/XXXX who told me my balance would be set to zero. But I received another statement claiming I owe {$16.00}. Now I 'm trying to reach them by phone ( again ) but the phone system no longer lets you talk to a live person. I am writing a letter to Springleaf today, but without help I believe they will just ignore my requests.
01/22/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	NC 28216	Web	Older American, Servicemember
The loan was a HELOC with XXXX XXXX made on the XX/XX/XXXX for max. credit Limit of {$20000.00}. Payment had been made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the loan was transfer to XXXX XXXX XXXX. Which I continuing to pay. I have ask / requested a full payment history and a transaction history from XXXX XXXX but this company refuse to mail me a copy for my account. I have request the same information from XXXX ( XXXX XXXX ) but they said they can only provide history from XXXX to now. I am waiting on that information now. XXXX refuse to provide any information for my loan.
03/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43224	Web
On XX/XX/2016 XXXX XXXX used my social security number to do a hard inquiry on my credit report without my consent. They never asked for my consent to check my credit report and I never gave my permission. This inquiry shows up on my XXXX and XXXX credit reports. When you fill out an application on their website, you are prompted to enter your social security number. The website states that your credit will not be affected. You are never asked for your consent for XXXX XXXX to check your credit. I would like for this hard inquiry to be removed from my XXXX and XXXX credit reports.
11/07/2019	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	TX 77044	Web
I recently applied for a loan with a company named one main financial and they deposited a check into my account saying it was verification amount that I would have to send back to them verifying there was a way that I could pay them back. When the money became available I was told to send the money back to them by putting it on a loadable card from XXXX and XXXX and after I did that they returned the check which was fraudulent and my account went negative. {$990.00} is the total amount of the check that was deposited and my account is currently negative {$1000.00} in total charges.
02/20/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30274	Web
I filed a CFPB compliant case number # XXXX against XXXX XXXX XXXX XXXX and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that One Main Financial is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both XXXX XXXX and One Main Financial.
06/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IN 467XX	Web
Account number:XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 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 or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
07/31/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 27360	Web
The company called me at my work place after asking them not to on XX/XX/XXXX.Once they finally stopped they called my fianc leaving her messages on both XX/XX/XXXX and XX/XX/XXXX which she has on her phone stating the debt that I had with them, saying that they did n't want to stay until XXXX XXXX XXXX XXXX and I had to call them back before that time. They even said they were a debt collector on her voicemail. I have told them that I was facing financial difficulties and I am working to get payment to them as soon as I can. I feel at this point that I am being harassed by them.
04/14/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PR 15642	Web	Older American, Servicemember
Dear Sir/Madam : In past years I have been a customer of Springleaf Financial. I have had serveral loans which I paid on time, or paid off early. Applying for a new loan, I was denied. I feel that they have discriminated against me, for they have no valid reason. Since I had ALWAYS PAID Springleaf they have no justification of denying this small loan of {$2500.00}. Therefore, they are granted a license by the state and federal government agency to help people in time of need. As you are aware 26 % is no bargain. I am requesting that this matter be looked at. Thank-You XXXX XXXX
11/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC XXXXX	Web
OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue as a copy of my personal information was stolen while hospitalized more than a month. I have never had a One Main Financial Account, credit cards or other miscellaneous accounts that were opened due to fraud. I have had multiple XXXX XXXX, been in a XXXX and had copies of my identification stolen from the XXXX XXXX XXXX South Carolina. The theft was reported to police. I do not have income, therefore, would never be issued any type of loan. OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
08/02/2017	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account information incorrect	NC 27858	Web
My husband and I open a personal loan through OneMain. The company was originally named SpringLeaf. The loan was paid in full XXXX XXXX, 2017. I tried to obtain an letter from the company stating this loan was paid in full ; so I could provide it to the three credit bureaus ; but, was unsuccessful. Attached will be a summary printout from the local office and a statement printout providing {$0.00} balance. Even though these statements are acceptable to me ; there are not acceptable for the three credit reporting bureaus. Would you please assist me with this matter? Thank you
03/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IN 47715	Web
I was called by the One Main Financial store in XXXX XXXX ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.
04/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IN XXXXX	Web	Older American
I applied for a loan from ONE MAIN FINANCIAL in XXXX 2018 ; and was denied. ONE MAIN alleged I was denied because of information on my credit report. My credit report did not reflect any adverse credit information. So, I wrote to ONE MAIN and requested that they provide me with a letter stating why I was denied a loan. Pursuant to Title 15, Sec.1693 ONE MAIN had a duty to answer me within thirty ( 30 ) days. ONE MAIN failed to state to me in writing a legitimate reason for turning me down for a loan. ONE MAIN is liable for damages under Titile 15, Sec. 1691 ( e ), & ( a ).
03/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 47715	Web
I was called by the One Main Financial store in XXXX KY. ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.
12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NE 680XX	Web	Older American
Springleaf Financial purchased this loan from XXXX XXXX some time ago. They sent me out notification of this taking place and asked at that time if I would agree to be contact by their personnel. I specifically said no and checked the box stating same on their form. Did n't matter, they contacted XXXX times after they received that back in their office. I also advised them that the amount owed is over 5 years old and collection of same is barred by Nebraska statute. I believe that the fines for contacting me after being told not to do so is up to {$1500.00} per occurrence.
05/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was spring leaf, onemain is useing the account number-XXXX in the amount of $ XXXX.spring leaf was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/XXXX.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by staying on my XXXX and XXXX credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
05/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 441XX	Web
We have automatic debit setup to repay our loan. Payments are drafted on the XXXX of each month. A telephone call on X/XX/2017 asking to post-pone the X/XX/2017 draft until X/XX/2017 was denied. I was told we must call 3 days in advance to alter our automatic debit payment and my call on XXXX was too late. I asked if this was communicated to their customers? The representative said " does n't know. '' The rep attempted to cancel/post-pone the transaction but it still went through and I was assessed an overdraft fee of {$37.00} by my financial institution.
07/02/2017	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	MS 39056	Web
I contacted XXXX XXXX regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed
10/19/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75010	Web
I am very concerned regarding the serious possibility that you have not followed thepermissible purpose provisions of the federal FCRA. A credit inquiry for SPRINGLEAFFINANCIAL was placed within my credit file in XXXX, 2014. The Act specifies thatyou must document your reasons for including such items on my report and, when inerror, remove them as well. I am depending upon XXXX to follow the law : Eitherprovide documentation that the law was followed by contacting SPRINGLEAFFINANCIAL at once, or remove this offending inquiry as soon as possible. Yours truly, XXXX XXXX
05/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was XXXX XXXX, onemain is useing the account number-XXXX in the amount of $ XXXXXXXX XXXX was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/2015.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by staying on my XXXX and XXXX credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
07/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60647	Web
On XXXX XXXX, 2016 at XXXX cdt Springleaf collections phoned and left a message that XXXX XXXX wanted me to return her call about a debt. This was a robo call. On XXXX XXXX, 2016 I wrote to Springleaf on their internet portal. I told them that I do not have a business relationship them and never have. I then demanded that they cease and desist from contacting me. They called my phone and did not leave a message. Today, XXXX XXXX, 2016 at XXXX cdt the same robo call from XXXX XXXX left a message for me. I want them to remove my phone number from their call list.
09/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27513	Web	Older American, Servicemember
I took out a personal loan with XXXX XXXX in XXXX in the amount of {$10000.00} at 18 % interest rate after losing my job. Since then, I 've repaid the loan in an excess of {$25000.00} and they 're still saying that I owe {$9500.00}. They refuse to renegotiate the loan and it has since been sold/transferred the loan to another company called OneMain Financial. I 've made my payment consistently for over 10 years and now they 're saying that I 'm behind in my payments. They 're destroying my credit in the process. What can I do to solve this never ending mistake?
10/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MN 55407	Web	Older American
About 12 years ago we took out a loan with XXXX, they sold it to Springleaf. We went to XXXX to get a loan to pay them off as they were charging us over 23 % interest daily, and so we hopefully were going to have that loan paid off. We paid off the balance due, however, they sold the loan to OneMain who sent us another bill sating we owed further funds and that they charge 23.23 % interest daily. if that is the case then we would almost never be able to pay off this loan. I believe that this is wrong and that they should cease and desist their unfair practices.
02/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OK 73170	Web	Older American
We Started this loan with XXXX XXXX, which was bought out by Springleaf, Then bought by One Main Finance. We were set up on automatic bank draft on a monthly basis withh all three companies. Due to the exorbitant interest rate, we asked that One Main start drafting {$600.00} per month, rather than the minimum payment. This was done without a problem until I received a letter stating I was past due and owed late charges. In XXXX, we received a letter stating that they would continue drafting the {$600.00} per month, but now they state we are late, and owe fees.
09/18/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	FL 337XX	Web
Onemain financial llc. They approved me for a great loan and after doing a hard pull on my credit everything still looked great. As I was filling out the forms I got a call from onemain. The representative asked millions questions and everything seemed fine until I mentioned I had a paid off motorcycle which they then decided to tell me it was a collateral loan. This is not what I was approved for originally and not what I wanted and they did a hard pull on my credit. This complaint is using misleading tactics to pull in people who desperately need money.
12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92105	Web
I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. Unknown to me my account was sold to Springleaf Finance and then sold to XXXX XXXX. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.
04/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 365XX	Web
My wife and I always accepted there calls. we ask them not to call a certain number due to my parents are sick XXXX.They still call. I spoke with XXXX XXXX she said she was a manager i explain to her that I was n't working I was trying to get my paper work in from the doctor so I can return back to work that I will send a payment in soon as I start receiving my pay check. XXXX XXXX made a statement saying do n't you need to go and aply for food stamps. I think that is very unprofessional. I ca n't help I had XXXX I was paying on time never missed a payment.
09/06/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32506	Web
onemain in florida has called me after was told only call after work I have been called 17 time today XX/XX/2018 I know I owe you but they keep saying we will do a deferment and redo the loan I have losed XXXX dollars per last 2 years. employer did not honor our contract so I have not been able to get my payments with one main lowered they keep adding credit card interest daily my wife has had 2 storkes from stress and now a bad heart I also have something in my XXXX maybe XXXX not for sure this is to much stress on both of us for now please help XXXX XXXX
07/19/2018	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	IL 604XX	Web
One Main Financial has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. the dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called One Main Financial and got nothing more than a run-a-round by their customer service representatives on multiple call by myself to them. That is the reason I am making this complaint.
12/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 180XX	Web
Applied for and was approved for a personal loan a total XXXX In the granting process I put up a vehicle title I made regular timely payments monthly I walked into the financial loaner with an outstanding balance owed - XXXX I made a substantial pay-down to the balance with XXXX remaining very minimal outstanding balance XXXX made repeated requests and pointed out - the XXXX XXXX holds greater collateral then that of the small personal loan remaining of XXXX **repeatedly requested they renegotiate the loan, release the title, lower the interest
07/10/2019	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	WI 532XX	Web
On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. One Main Mortgage reported the account paid in full. XXXX reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR THREE YEARS!!!!! While they may not care or feel amused by this I assure you we are not. My wife and I would appreciate any help in this matter.
03/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IN 46260	Web
My complaint is against One Main Financial for emotional distress and other damages. I have been paying $ XXXX/month two years now for a loan in the amount of {$1500.00} and there is no end in sight. Someone needs to stop these predators in what they are doing. They are acting like we are in a country with no law and they are doing whatever they want I will forward all the records so you can see yourself how these predators are taking advantage of me. One Main Financial contact persons are XXXX XXXX and XXXX XXXX. I have been dealing with them since.
04/05/2019	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	IL 60608	Web
I obtained a copy of my XXXX credit report and observed a credit inquiry from one main financial on XX/XX/2017 which I did not authorize and is having a negative impact on my credit history.one main financial has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report
03/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30274	Web
This debt was given to XXXX XXXX XXXX. I settled the debt in XXXX of 2018. XXXX XXXX XXXX communicated with the original debtor ( One Main ) the account was settled. One Main has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.
12/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CT 06511	Web	Servicemember
In XXXX I took a personal loan for {$10000.00} with Springleaf finance which was sold to One Main Finance. My payment was {$220.00} up until XXXX XXXX I was paying additional payment {$75.00} for 12 years. I spoke with One Main to find out why my balance is still {$4800.00}. I was told it was because it was being applied to Finance charge which was never the agreement! Was told that the {$75.00} would be applied to pay this loan. I have never made a late payment. I am XXXX XXXX XXXX veteran think I have be ripped off by both these companies. # XXXX
01/18/2017	Yes	Consumer Loan Title loan	Charged bank acct wrong day or amt	SC 29615	Web	Servicemember
OneMain Financial ( Springleaf Financial ) Lender caused overdraft fee for XXXX dollars. I had auto pay setup for my loan account and paid it early. I paid it on the XXXX of XXXX. It stated online that nothing was due, indicting that the autopay would not take money from my account. Yet on the XXXX of XXXX, the money still came out of my account, causing me to pay an extra month early and a XXXX dollar overdraft fee. I called requesting that they refund the XXXX dollar overdraft fee and they would not. I also unenrolled out of auto pay for the loan.
01/31/2018	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	IN 464XX	Web
the inquiry from onemain was made on XX/XX/XXXX, I contacted them as soon as I saw it on my credit report thru XXXX XXXX on the XXXX inquiry details. it drop my score 2 point. I informed onemain that I have not applied for credit since I filed for bankruptcy in XX/XX/XXXX and they told me this credit application was made online with your name address and ssn with my husband email address. at this time neither my husband or I have applied for any credit, loans or unsecure debt. I believe this is Identity thief. Onemain XXXX, IN XXXX ( XXXX ) XXXX
12/22/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 22309	Web	Servicemember
I did not take out the loan, I have contacted them several times and to date nothing even XXXX will not help, I was in jail when the loan was taken out, before jail I was in the hospital having XXXX, i can give county info and hospital info, I cant be in two diffrent places, and last i checked i cant just walk out of XXXX to take a loan out. i have had id theft in past 3 years and that has been on my credit file and yet i never got a call, because at XXXX we cant answer the phone, please look into this, XXXX XXXX and XXXX XXXX XXXX on the dates
03/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 313XX	Web	Servicemember
On XX/XX/18 I initiated an online application to One Main Financial. Which was approved online without any collateral. With an XXXX credit score. For and amount of XXXX. Keep getting an esign error. Got a call from the office in XXXX. To come in to sign the paperwork. Once at the office they see I have a vehicle that's almost paid off from my credit report, now the only way they can close the loan is to use the truck as collateral. Which was almost paid off and at a lower interest rate. This is a classic Bait and Switch and Predatory Lending.
04/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AR 72712	Web
WENT ON XXXX TODAY AND GOT AD FOR CONSUMER LOAN FROM ONE MAIN AD INSTALLMENT LOAN TO HELP WITH BILL CONSOLIDATION. THEIR AD ARE MISLEADING THE CONSUMER! ATTACHED SEE THE ATTACHED TRANSACTION START TO FINISH. ALSO, THEY ARE NOTORIUS FOR PULLING PROMO-INQUIRIES AFTER OPTED OUT, ONE MAIN IS VIOLATION ALL 50 STATE DECEPTIVE TRADE PRACTICES ACT AS WELL AS THE DODD FRANK WALL STREET REFORM & CONSUMER PROTECTION ACT. ( TITLE X ) AND NEED TO CHANGE THEIR BUSINESS MODEL AND INFORM CONSUMERS MIN SCORE AND THE FACT DO NOT DO BUSINESS IN ALL 50 STATES.
01/07/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30047	Web
I am continuously getting phone calls from the company in question about, what i assume, is a debt for someone who is not me. I answered the phone and spoke with someone several months ago and let them know they had the incorrect phone number and asked that they not call this number again. They have continued to call weekly and sometimes daily. I have caller ID and do not answer the phone any longer. However, this is my work place phone and would appreciate if the calls would stop. This has been ongoing for at least 6 months, if not longer.
12/15/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MS 397XX	Web
Company contacted me XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. Each time I told them that I wont have the money to pay my account until the end of the month when I get paid. I asked them each time not to contact me on my cell phone. They have ignored my request. on XX/XX/XXXX they called me and told me they have every right to call me and I told them not if I repeatedly told you not to. I tried contacting the manager on XX/XX/XXXX stayed on hold for 10 minutes, he never answered my call.
04/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CO 804XX	Web	Servicemember
Why does XXXX XXXX allowed to have companies that advertise and they endorse that say they can help you fix your credit by offering consolidation loans and then they tell you that unless you have a score of 700 or above they can't help you, in the mean time run a hard credit check and bring down your score more? I have gotten numerous emails, texts, and phone calls from companies endorsed by XXXX XXXX that just say that my score of XXXX prevents them from financing me. That unless I have a score of 700 or above that they can't help me.
09/24/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78572	Web
I am behind on my loan payments to One Main Financial. They are illegally calling my family members. They have called my mother in law twice. They talked to her once about my debt and then left a message the second time. Then today they called my father in law and left a message. The person making these calls is XXXX XXXX from One Main Financial Office in XXXX, TX XXXX I have not given them permission to contact my family! I told them on the phone I am currently unemployed and not able to make any payments at the moment. XXXX XXXX.
11/16/2018	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	FL 33884	Web
In the past couple months this company allowed someone to use my credit report unauthorized. I received a alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They can't provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the Law and putting a hardship on me and my family with these negativity.
09/07/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10075	Web
Springleaf has twice contacted me trying to " verify '' information regarding a relative. After the first contact I did research online to find they were only allowed to try to contact me once after I did not agree to providing information ( or confirming my relation to the individual ). Today I was again contacted by Springleaf and the representative would not verify why they were calling but simply that they wanted to collect information on the relative. After a quick XXXX search of the number I found it too was owned by Springleaf.
11/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 178XX	Web
I have signed up with XXXX XXXX XXXX due to financial hardship. One creditor has called my job twice for me and was told that we not accept personal calls and to please not call back. Same creditor called my wife at work and she told them the same thing. Since XX/XX/XXXX this creditor has called my cell phone 14 times. I spoke with XXXX and they faxed a notice of harassment document to them due to them calling my job. I am not sure anything can be done but I use my cell phone for my job and I ca n't have it ringing while I am at work.
10/17/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 35216	Web
I have a loan out with One Main Financial. I was not able to make my payment on my due date. The very next day, the calls began. They call several times a day and the past two days have hung up and called back to back 3 times. I think it is even more unprofessional to leave a voicemail stating, " This is { their first name given } give me a call back at XXXX. '' or just leave dead air, saying nothing on a voicemail. They don't identify where they are calling from, but I recognize the number, so I know they are calling from One Main.
06/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN XXXXX	Web
Onemain I'm so sorry with all the complaints It's Just I have disputed this information with the Credit agencies so many times But they keep claiming that you verified the account as correct. But I beg the diff this is why so many disputes Per the FCRA a charge off should not report missed Payments XXXX Missed payment Please delete this account ASAP Due to fcra violation late payment for XXXX / XXXX / XXXX / XXXX of XXXX also XX/XX/XXXX This CAN NOT Report on the consumer credit files please delete from all three reporting agencies
02/04/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MI 486XX	Web	Older American
Ive got 3 collections Im paying on. XXXX XXXX XXXX which I have 2 correctly reported my balance. One Main Financial never does. I owe around {$6000.00} and the have me over {$7000.00}. I told them about it and they tell me its all done by computer. I dont buy it. Also Im making payments on XXXX XXXX for a truck for {$300.00} a month and its not even on my credit report. I surrender the vechiele and thy said I owed {$4500.00} I have paid {$900.00} on it all ready and being not reported am I even supposed to be paying on this? Thank
07/24/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	WI 549XX	Web
I submitted a request for a loan modification program with onemain on XXXX-17 the request was denied about a week later because no reduction of income but as I explained to onemain I am on social security and can not make enough money to support myself because of state laws. I need a reduced interest rate to help make the interest and loan be more affordable. I am currently paying 35.91 %. interest on loan. I have a goal to pay off the loan by XXXX XXXX, 2017 but can not achieve that if I have to continue to pay the 35.91 % rate.
11/03/2015	Yes	Consumer Loan Title loan	Applied for loan/did not receive money	CA XXXXX	Web	Older American
I received in my mail a pre-qualified offer from Springleaf Financial Services ( see copy attached ) based on my excellent payment history and current lines of credit with that lender. XXXX XXXX was the original lender. XXXX sold my lines of credit to Springleaf several years ago. Today, after I agreed to Springleaf 's pre-qualified offer, Springfield denied me the loan, even though I qualified according to the representative who took my information. This resulted in a denial of credit that negatively impacts my credit report.
06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH XXXXX	Web	Servicemember
-Currently reporting inaccurate information on my credit report. -Currently reporting the same account under two different account numbers. -Both accounts are missing important information, account was paid in full for less amount -I have been denied a Mortgage due to the impact of the two inaccuracies -XX/XX/XXXX dispute was faxed and I have called to get updates. I haven't been able to get any useful information other than being told we have 30 days look for a response around XXXX XXXX. - Account was paid XX/XX/XXXX XXXX
04/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 45036	Web
Saturday morning calls ... coming from your XXXX office ... XXXX ... Sounds a bit like harassment would n't you say??? I spoke to XXXX & explained my situation. I am sitting at XXXX Hospital with my Mother. We 've been here since XXXX. I asked a couple of weeks ago for XXXX to have XXXX ( especially ) & anyone else from there to stop calling me over & over while I sit here with my XXXX Mother. I am not working right now & I do not care about anything but her!!!!!!!!!!!!!!! The harassment needs to stop it is CRUEL!!!!!!!!!!!
04/18/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WI 545XX	Web
ONEMAIN XXXX XXXX XXXX XXXX , TX XXXX This address sent me an email stating I was denied a loan. I did not apply for any type of loan. Someone else has used my personal information to apply for a loan. I did not provide my personal information nor did I give permission to use my personal information to any one. I 'm in the process in repairing my credit. I have a very low credit score and I know myself I can not get a loan any where, so I do not apply for any types of loans until I get my credit score higher.
06/24/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	MI 480XX	Web
Went to apply for a mortgage on a new home and when they pulled my credit I was denied a new mortgage because of false information reported by One Maine that I was late on several payments. There where two loans whit this company that I was originally on and one of them I was supposed to be removed off of when I was divorced in 2011 according to my divorce decree which I have a copy of. The other one that I was responsible for I set up automatic payments with One Maine. When I called One Maine they told me I was still
01/17/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MO 64050	Web
One Main financial calls, my employer and myself a minimum of 3 times a day. They call off multiples numbers. The main number they call me off of is XXXX. My employer and myself have request they quit calling my employer due to possible job loss for a personal loans calling multiple times a day. between my person and work phone calls equal to : XX/XX/2019 - 2 to cellphone 2 to work phone XX/XX/2019 - 2 to cellphone 2 to work phone XX/XX/2019 - 5 to personal 1 to work phone XX/XX/2019 - 3 to personal 2 to work phone
06/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32712	Web
Called multiple times over the years for a debt occurred during previous marriage in 2004 from AMERICAN General Finance for an amount of {$2300.00}. This was all settled when exwife sold the home and moved out to her new home bought by parents. It has never been in my credit report and with interest they are placing it my report and threaten to garnish wages, etc for next 10 years. The company calling is XXXX XXXX XXXX out of CA. This debt is not owed and I am not paying something to a company in a state of crooks.
02/22/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	HI 96789	Web	Servicemember
The harassment is the defiance of telling them not to call company phone ... because I am a XXXX and the boss has told us not to answer non delivery calls because it interferes with safety. The ey have not obeyed our demands. The part that challenges me is that they call me on my work phone and usually it 's every day XXXX more than 3 times a day. The last straw is that demanding tones of coming in to make payments on their terms. They are demanding me to make commitments to pay that totally do n't meet my budget.
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55128	Web
Onemain Financial - XXXX - Balance {$2500.00} - Type : Auto Onemain Financial - XXXX - Balance {$1.00}, XXXX - Type : Secured This is not an auto loan like you have been reporting on my credit report. I have the original signed contract and it is a Secured Loan. Not only is the loan type incorrect you guys have this loan listed on my credit report twice. Once as an auto loan and once as a secured loan with 2 different loan amounts. Please remove the falsely reported auto loan off of my credit report immediately
09/26/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 94539	Web	Older American
I am a XXXX years old XXXX man, someone of got into my credit and charge my credit cards up very high, so, .I call One Main Financial and got a loan. I did not know that interested rate would be so high that, I can pay the loan off. The loan amount was {$13000.00} dollars and I have made Six payment it all going interested and still at {$13000.00}. My name is not signed on the application. One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Can someone help me? XXXX XXXX XXXX XXXX XXXX or XXXX.
06/28/2018	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	IL 60652	Web
Onemain account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for Onemain to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for Onemain to state this debt was created and definitely no way it can validate it is owed by me.
09/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 12047	Web
I receive multiple calls from OneMain Fin ( XXXX ) XXXX. This has been going on for a month or more. Last night I received 3 calls from them within a period of not more than 2 hours. Usually, they are robocalls and no message is left but last night, from the same number, when the answering machine picked up, a woman said she was calling from a debt collection agency. As of last check, my credit score was XXXX. I don't have any outstanding unpaid debt. These are clearly scam calls and they are a major nuisance.
01/26/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 43551	Web
Making payments on time, and website is not updated to show payments are being processed or applied to the loan. Loan website is indicating payment due as being XXXX. Also showing no payments being made since XXXX XXXX, 2016. This is not the case. Last payment was made on time in XXXX of 2016. Since the website indicated XXXX due in XXXX, I assumed my estranged wife made the XXXX payment ( who is also tied to this loan ). I fear that the balance due is incorrect and my credit reports are suffering as a result.
08/10/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX XXXXX	Web	Older American, Servicemember
I had an auto loan with XXXX and paid on it since XX/XX/2013. XXXX XXXX XXXX offered me a chance to pay off XXXX and settle up some late fees with them, but I didn't realize the amount of interest they were charging me. I borrowed {$19000.00}, and I am paying back {$29000.00}. {$10000.00} interest for another 5 years. Is this feasible or am I losing my old mind. I am a XXXX XXXX veteran struggling to make ends meet, but if they are within their rights to charge that much ; please accept my apology. Thank you.
01/04/2016	Yes	Consumer Loan Title loan	Can't contact lender	NY 109XX	Web
The lender continues to contact me at work. As a XXXX I can not continue to be harassed at work. I have already been warn by my supervisor that the phone calls must stop. I informed the lender that they could put my job at risk, her exact response was that they will continue to call until I paid the loan. This has happened before where I have made a payment agreement to pay by a certain date and they called me everyday until that date that was agreed upon. I could lose my job because of these call to my work.
04/26/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OK 73170	Web	Older American
I complained that this company was stealing money from me by not automatically withdrawing payments from my account, as they had for years. They respondded with more lies ( stating they had tried to call us- and we can prove they did not ), and your service stated the case was closed. I paid off the entire balance after calling to see what the ENTIRE BALANCE WOULD BE ON THE NEXT DAY, and sending the check nexy day USPS. The check arrived just as it should have, yet they charged me more money as a late fee.
06/17/2017	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	CO 80129	Web
I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested. Now, I see no less than XXXX OneMain Financial hard inquiries on my XXXX credit report alone. Frankly, I did n't even authorize the type of applicati on they ran the first time, let alone XXXX more times. XXXX claimed it was only able to remove XXXX of these inquiries and suggested I contact you.
12/20/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	CO 81004	Web
I applied for a personal loan with One Main Financial in mid XX/XX/2018. Was told I was approved pending income verification. I submitted my pay stub and they are telling me they could not verify it and red flagged it as fraudulent which is completely wrong. They also said they could not verify the company I work when I work for a large Healthcare System. This is wrong. My income and employment were provided and they have denied me under false pretenses putting a hard inquiry on my credit under deceipt.
01/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32829	Web	Servicemember
My bankruptcy was discharged on XX/XX/XXXX and One Main Financial was included in the debts that were discharged. They sent an email on XX/XX/XXXX about the debt but the email was for informational purposes only ( per their statement ). I called them on XX/XX/XXXX and told them to stop sending me emails because the debt was discharged. On XX/XX/XXXX I received a letter from One Main Financial dated XX/XX/XXXX about my accounting activity and having a Principal Balance as of XX/XX/XXXX of {$4400.00}.
08/06/2015	Yes	Other financial service Debt settlement	Disclosures	PA 180XX	Web	Older American
Springleaf Finance have XXXX hard inquiries on my credit report viaXXXX XXXX who matches you with a creditor. They were not suppose to put hard inquiries on my file. XXXX preapproves you before you get to next step. I applied to this company XXXX time in XX/XX/2014. Now I have XXXX hard inquiry. False advertising. I tried talking with them about the problem, but theyRefused my rights as a consumer and would not listen to what I said. Please notify these companies as it has impacted my credit score.
12/20/2018	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	TX 77065	Web
On XX/XX/2018 I called OneMain Financial to learn about the types of loans they offered and I asked about their rates. After talking to the lady on the phone, I told her not to run my credit because I needed more time to think about it and because I didn't want an unnecessary hard inquiry on my credit if I didn't really need the loan. I told her not to run my credit and she did it anyways without my consent. She was trying to attach the loan to my vehicle and I told her I did not want to do that.
02/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 644XX	Web
They called me at work. Went thru the XXXX Department to get hold of me. I told them that I had asked them to not call me or my husband at our place of work as it could jeopardize our jobs. They continued to try to work something out with me thru threatening remarks. I gave them the phone number of the debt company we are working with to help us. I told them that I could not discuss this with them, that they were to contact this company and they continued to harass me. I finally hung up on them.
02/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 19124	Web
I took a XXXX XXXX dollar loan in XXXX XXXX and made XXXX Payment totally XXXX dollars I requested a payoff on XXXX XXXX good thru XXXX XXXX XXXX and was advised of a payoff total of XXXX the representative explained that only XXXX dollars was applied over the last XXXX payments. The interest rate on this loan is 25 % apr. I do n't understand how I paid XXXX dollars and only XXXX went to principal. I am paying this loan off on XXXX XXXX XXXX which is over 3 years before the loan maturity date.
03/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77077	Web
I have an installment loan with OneMain Financial and am late paying as of XX/XX/XXXX because we have a loss of income through my husband. I have told OneMain Financial that we are trying to catch up but can't at the moment. They have called my work office every day ( dates XX/XX/XXXX - XX/XX/XXXX ) since I have been past due and call 3 to 4 times a day even after I asked to stop calling my office. I have also sent an email directly to OneMain to stop calling my office but the calls continue.
09/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77389	Web	Servicemember
Springleaf XXXX local office has taken out Hard Inquiries that were not authorized by me, amazingly 2 months apart - XXXX 2014 and XXXX 2014 - which is very stupid. I have not received any correspondence on these Inquiries concerning rejection. For my XXXX payment, of {$300.00}, they have only credited me with a payment of {$300.00}, with no visible reasons on the Springleaf website or correspondence of receipt. My receipt information shows a check of {$300.00} through XXXX XXXX Transfers.
08/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 53188	Web
We have a letter from Springleaf Financial showing that they reported our account incorrectly to the credit bureaus. WE were in a bankruptcy and in the process of having it dismissed when Springleaf started reporting our loan as delinquent even though we could not communicate with them. When we got out of the bankruptcy, we went into negotiations with them to pay them back. We paid them back when we sold our house in full. They incorrect reporting has continued to hurt us to purchase a home.
11/24/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 95014	Web
I was not advised that the loan that I had submitted an application for was collateralized by a vehicle but a personal loan. Having paid off a loan with this same organization in the past I figured that the same loan offering is what I qualified for. XXXX different people advised me that I was approved for the loan, but then " out of the blue '' I was told that the loan approved was for a secured product. I advised them during the initial conversation that I would not be interested in that.
01/13/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
07/03/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 190XX	Web	Older American
MY NAME IS : XXXX XXXX XXXX XXXX ) XXXXI BORROWED {$7000.00} FROM SPRINGLEAF FOR XXXX MONTHSAT {$3000.00} INTEREST FOR SAME PERIOD. I HAVE PAID TODATE {$8000.00}. I BELIEVE THAT I HAVE PAID THIS LOAN INFULL PLUS {$1000.00} IN INTEREST. NOW THEY ARE SAYING THAT I BORROED {$10000.00} AND I STILL OWE THEM {$2000.00}. THEY WOULD NOT TELL MEHOW MUCH OF MY {$280.00} MONTHLY PAY WAS APLY TOTHE INTEREST AND HOW MUCH WAS APPLIED TO THEPRINCIPAL. I AM ASKING YOUR HELP IN THIS MATTER. THANK YOU.
01/13/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	LA 705XX	Web
lender sending my contact info to warranty companies and these companies are trying to swindle me out of money for extended warranties, contacted the local company yesterday and person i spoke with was veryrude and said they would never force me to get a extended warranty but XXXX companies called and i was told by both that i had to have this true auto XXXX and national vehicle head quarters XXXX, now this company said i was refinancing a new vehicle false still have same truck 2009.
01/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 500XX	Web
I am rewriting my XXXX mortgage. In so doing, I need a subordination agreement from Springleaf Financial. They will not do the agreement until I bring the loan payments current. When I asked when I missed a payment, they were unable to tell me. My bank records show I am current on my payments. They tell me I missed one payment in XX/XX/2013 for {$280.00} yet they tell me I have to pay over {$800.00} to get current. Holding up my loan closing to attempt to collect money I do not owe.
10/24/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	SC 29501	Web
The loan company has been giving my information to my spouse which is illegal in the state of South Carolina. After I have called them to request a payoff, they are refusing to give it to me due to the current situation I have discussed w/ them. I have called them 2 times within a 30 minute period for my payoff & they keep putting me on hold & then saying they have it taken care of. 3 hours later, no payoff faxed to me or no phone call back to let me know what info I have requested.
05/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 546XX	Web
I am late on my payment but continue to pay as I can. I have requested many times not to call me on this phone as I use it for work. They call every hour every day except Sunday and it interfers with my work. I have requested they they email me or correspond by mail. They only send form letters. I pay what I can, and can not seem to catch up due to a tax situation I am in .... I will lose my job if this phone abuse continues. I have requested verbally many times to stop the calls..
12/02/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 761XX	Web
I applied for credit solely and when they asked for my tax returns they came back stating the only way they would make the loan to me was that my husband would have to be on it. They stated that as we file jointly they require this. I explained to them I am allowed per federal law to obtain credit solely. All income but $ XXXX is mine. I requested that the XXXX Manager call me and received no call. They are in violation of federal law for requiring my spouse to be on the loan.
05/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 337XX	Web	Servicemember
I applied for a credit line on XX/XX/XXXX for {$14000.00} and paid my bill on time every month. The amount I paid was {$46000.00} to XXXX until they sold my debt to Springleaf on XX/XX/XXXX and I keep paying {$230.00} each month until today. As yo can see my debt was paid XXXX times more and my balance with Springleaf still {$12000.00}. I try to contact them and ask a debt reduction but they told me any deal on this issue. I found this company on XXXX with a very bad reputation.
06/30/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OK 740XX	Web
I requested a {$4000.00} loan from SpringLeaf Financial. Springleaf contacted me via e-mail and stated I was approved for the loan. When contacted, I was told and I have in writing that I would be saving on interest. Springleaf made me sign everything digitally and did not provide me with the documents. Additionally they took my vehicle title and will not return it. The interest rate of the loan is 25 % my original loan was 11.34 %, therefore my interest rate more than doubled.
08/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65109	Web
I am making {$100.00} payments to Springleaf Financials lawyer, XXXX XXXX XXXX, XXXX. I was unaware I was being sued when I called to set up the payments last month after getting behind. This month, Springleaf closed my account and I was served papers on Sunday. The original amount financed was {$3100.00}. They are suing me for sum of {$4200.00}, less interest of {$780.00}, less insurance of XXXX + attorney fees of XXXX with a CONTINUING RATE OF INTEREST OF 35.99 % UNTIL PAID.
10/14/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	427XX	Web
After struggling to make payments a guy says he wants to buy it comes and trys it says he going to buy it and was going to meet his wife and get the money never see the guy again Ive reported to one main financial as well as the police department if I new you could do this stuff I wouldnt have went without food trying to pay a debt back but yet Im being punished when all I would like to do is buy a home before my mother passes away is our system really like that sad very sad
09/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98108	Web
I am being charged factitious interest that do not correspond to what it's supposed to be. I reached out to them multiple times to try to solve the issue, but they don't seem to be willing to provide any satisfactory issue to this matter. I am therefore requesting and in-depth review of all payments and interest charges that have been imposed to my account. I hope this would help not only with my case, but as well as other folks in the same situation. Thank you very much.
03/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37821	Web
I lost my job in XXXX and started working again in XXXX, my pay was cut by 3/4 but I took what I could get. XXXX called me over and over and I explained all this to him and told him Id pay when I can. Last Friday I told him I was meeting with an attorney to file bankruptcy and provided him with the attorneys information. XXXX began to call me again yesturday 3 times and today twice within 5 minutes of each other. I have the voicemails saved including the times they called.
08/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	ME XXXXX	Web	Servicemember
Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.
06/20/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 27410	Web
In the XX/XX/XXXX my husband lost his job and well fell behind in making payments on an installment loan with Springleaf Financial. A judgment was filed for the loan. I was able to get caught up on the loan and paid it off early in the XX/XX/XXXX. I have been requesting since then that the manager and now corporate submit an update to XXXX County to reflect that the judgment has been satisfied for 3 years. To date no action has been taken to correct the situation.
02/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AL 368XX	Web
Springleaf Financial contacted the HR Department at my job multiple times and disclosed to them that it was regarding a debt. They even asked the HR Department to hand deliver the message to me. Now I am facing losing my position in the company and possibly my job. In addition, they call my office and cell number around 4 to 8 times per day every day. I never intended to not pay my debt. Medical circumstances have complicated my financial situation due to a XXXX.
05/10/2019	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	IL 60402	Web
The Onemain company opened XXXX XXXX, 2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
06/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28715	Web
My friend called in to One Main Financial in XXXX, NC to make a payment for me. The lady who took the call,,, XXXX XXXX ... went into detail about my account to my friend. I know this is a violation of my consumer rights. I called their corporate office and filed a complaint. Asking for some type of compensation be done to my account. After jerking me around for a month, I receive a letter from them saying that, no harm was done to me because of this phone call.
05/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 115XX	Web
I opened a personal loan with One Main Financial in early 2017 . I reviewed my credit reports earlier and noticed tha t One Main lis ted XXXX s eparate accounts on my XXXX and XXXX credit report s. One of the account listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wa nt XXXX accounts listed on my credit report.
10/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	KS 662XX	Web
We fell behind on making payments with the company since I am only paid once a month now. We have informed the company that we can only make payments once a month and will eventually get caught up. The have called my husband 's work multiple times even after he told them to stop calling because he can not take personal calls at work. The woman he spoke with today threatened him and said she would call his work everyday until we are " caught up on our bills ''.
04/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MO 63128	Web	Older American
XXXX XXXX Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called XXXX XXXX. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by XXXX XXXX.
03/10/2018	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	NC 28214	Web
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
09/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SC 29360	Web
They sent me a letter with some information that is not correct like my DL # that was stolen of lost. The correct number was XXXX.Also with a car I did n't never own. The address is incorrect also.The address XXXX XXXX XXXX, XXXX, SC I have never live there.The phone number I do n't have any ideal about this phone number ( XXXX ) XXXX.I have a copy from the last time I file a Complaint with the CFPB. That this account was deleted from the consumer 's report.
02/14/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NJ 080XX	Web
Between XXXX and XXXX on XX/XX/2017 I have received 6 calls on my cell phone, 6 calls on my house phone, 2 or 3 to my husbands cell phone and one to my work phone that I know of. ( This is everyday, just not my work phone ) My work phone is the last straw. I am one payment behind. Onemain Financial XXXX. They will call me from this number, my local branch and other branch numbers, or a XXXX number. They only leave a massage once or twice on each line a day.
04/19/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	MN XXXXX	Web
Dear Onemain I recently disputed some inncorrect information on my credit report with XXXX and they claim that the infomation was reporting correctly on the credit file and was Verified I'm going to need for You to tell me who you spoke with at XXXX what Information did they send to you reguarding the dispute. also if you could please send me what you sent back to them also a copy of the credit application with my signature attached. Thank you so much ...
08/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 18104	Web
Applied for a personal loan with one main financial online and was assigned to an office located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, the branch was not straight forward with what was actually needed and there was a lot of back and forth that took over a week to get nowhere. Call backs were seldom and documents provided as much as I could but it was still not enough. The branch still ran my credit but did not appropriately move forward with a decision.
02/24/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NH 030XX	Web
Received a title loan from one main financial. Was told the interest rate but now it seem to be much higher than orginal quote. Also, I have made 14 payments in the amount of {$150.00} bi- weekly this was suggested to pay off the balance quicker and I added an extra XXXX to the payment. If the interest rate is 38.98 % of a XXXX loan and only a {$1000.00} dollars of {$2100.00} dollar payment it seems to me that the interest rate is higher than expected.
10/15/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	DE 197XX	Web
On XX/XX/2017 I applied for a personal loan with a few companies. One of the companies that I applied with was One Main Financial. Their advertising states that applying has no impact or bearing on your credit. After I applied for the loan and was approved, I opted not to move forward, however the next day they pulled my credit and it now reflects as a hard inquiry. It currently reflects on my CBR as ONEMAIN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
09/01/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75248	Web
They send me this pre-selected secured loan certificate for {$5200.00}. I called to get the low and they run my credit and then tell me they ca n't approve me. This thing arrived in my mail box at a time when I need the money. For a bunch of repairs to my car. I think this company is sending out these letters in attempts to collect personal information on people who need the money. They ask for all information from bank account info and monthly bills.
08/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 195XX	Web	Older American, Servicemember
i BORROWED {$5000.00} TO PAY BACK SOCIAL SECURITY AS THEY PAID ME TOO MUCH AND WERE GOING TO WITHHOLD BENEFITS. I AM XXXX AND A NON-COMBAT VETERAN. I WENT THERE AS THEY GAVE ME FUNDS IN 24 HOURS WHEREAS MY BANK WANTED 14 DAYS. I GOT THE MONEY PAID OFF MY SOCIAL SECURITY BALANCE AND PAID OFF A CREDIT CARD. I THEN WENT BACK TO MY BANK TO REFINANCE AT 9 % IN LIEU OF 27.58 %. aT MY CLOSING ONE MAIN FINANCIAL CHARGED ME {$270.00} IN A PRE-PAYMENT PENALTY.
11/02/2019	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	IL 60619	Web	Servicemember
My credit was run by the following companies without my knowledge : XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 Onemain XX/XX/019 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19
05/10/2018	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	CA XXXXX	Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : ONEMAIN Inquiry Date XX/XX/2018
10/02/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	VA 226XX	Web
This is a debt collector, the head of the local branch of OneMain Financial. I have the record in my phone and can submit copies of their call log, but they are calling every hour of each work day. When I spoke with the person calling, she threated to have my vehicle seized, and began to call me a liar when I tried to tell her I lost my job due to a XXXX. She is VERY abusive, and they just wont quit harrassing me. They keep calling from XXXX
10/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA XXXXX	Web	Servicemember
American General Finance of America , Inc. formerly CREDITTHRIFT OF AMERICA INC and formerly XXXX XXXX XXXX NO. XXXX ( Employer ( Tax ) Identification Numbers : XXXX \| XXXX \| XXXX \| XXXX ) intentionally altered account numbers and filed numerous lawsuits in the Commonwealth of Virginia by using third-party debt collection agency or law firm, when it never had the right to bring forward a lawsuit when it used its former entity name on the lawsuit.
04/22/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 45373	Web
I applied online for an installment loan and was approved for a {$2000.00} loan. Upon trying to get the loan they want me to put my car title up for collateral in which i disagreed. I asked for an unsecure loan. The branch manager in XXXX, OH denied an unsecured loan based on some derogatory past credit cards. The credits are not in my name and i am just an authorized user and they want to base thier claim on someone elses credit card history.
03/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30094	Web	Servicemember
XXXX/XXXX/2007 a personal loan was taking out with XXXX to help with college tuition.The loan was later taken over by Springleaf Financial, we make payments of {$700.00} per month, we have paid over {$50000.00} on a loan that was {$20000.00}, and we still have an outstanding balance of $ XXXX.Now the bill is showing a late fee of {$250.00} and {$450.00} in interest so nothing is being applied even though i make the payments online and on time.
10/31/2018	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	IN 46227	Web
One main financial sent a loan check in my name to an address I dont live at. A person with the same name as me does live at that address. That person cashed the check. I have reported to the credit bureaus and to Onemain that this is not me. I submitted a letter to Onemain at one of their offices with my signature on it for a comparison to the check endorsement. I have spoken to Onemain since then and was assured this would be taken care of.
01/24/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 463XX	Web	Servicemember
I recievd a personal loan from onemain financial. I paid the loan off in XX/XX/XXXX and recieved a congratulations on pay off letter. The next month the office is calling me saying i have n't made my monthly payment. I told them i had payed it off and sent them the letter and bank statement. They continued to call and call. Next thing i know is collections is calling me stating im late on payment. I have sent them everything I know to send.
08/28/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	VA 22152	Web
Good Afternoon, I have a personal loan with One Main Financial. I stopped making payments for a couple of months due to my financial situation. Ever since then I they have been calling and harassing me at my job every single day! I have told them numerous times to call me on my cell phone if they need to reach me and they still keep harassing me at work! Our calls our monitored and if they keep calling I could be terminated. Thanks, XXXX
10/11/2017	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	TX 75052	Web	Servicemember
Please see attached documents I have never authorized OneMain to conduct a credit inquiry on my credit report. I have sent letters to OneMain demanding validity of their conduct per FCRA regulation but they have refused to act in accordance with the law. OneMain continues to send the same response ( changing just the date of receipt ) and blatantly ignoring the requested information per FCRA XXXX ( a ) ( XXXX ) ( A ) and FCRA XXXX ( c ).
09/22/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	KY 404XX	Web
This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.
12/06/2017	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	GA XXXXX	Web
An inquiry dated XXXX XXXX, 2016 is reporting on my credit report. I did not authorize anyone employed by Springleaf Financial Service 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. I 've sent a certified letter to the address listed on my credit report to the company and I 've never received a response or proper resolution
06/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 072XX	Web
Original Creditor is XXXX, XXXX, then it was sold to XXXX , XXXX and now XXXX XXXX XXXX has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting Springleaf on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.
03/14/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	PA 17057	Web
LONG STORY SHORT one main financial allowed ME TO BELIEVE I WAS GETTING A AUTO LOAN WHEN IN REALITY IT WAS A UN-SECURED LOAN AT A INTEREST RATE THAT IS SO UNFAIR, IT WOULD BE CONSIDERED ECXTORTION. THEY BREACHED MY CONTRACT THEY GAVE LEGAL ADVISE TO THE LENDER AND TRYING TO CHANGE MY CONTRACT TO SOMETHING SO OBSERED IT DOESN'T MAKE SENSE. THIS LENDIND COMPANY SHOULD BE INVESTIGATED FOR THIER COMPLETE LYING AND STEALING FROM CUSTOMERS.
12/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30043	Web
I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ONEMAIN with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
02/18/2018	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	AZ 85086	Web
ONEMAIN ( credit inquiry ) XX/XX/2018 on XXXX credit bureau XXXX XXXX XXXX XXXX IN XXXX I had called this company and asked questions and they had my information from a previous application and reran my credit. WAS NOT TOLD THEY WERE RUNNING A HARD INQUIRY! I asked to to remove and I was told to dispute it. Spent one hour on hold with XXXX with no success. I wand this deleted inquiry deleted from my XXXX credit file please
01/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29650	Web	Older American, Servicemember
On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX SC borrowed money from Onemain Financial Inc, XXXX SC. Payments were not made and the account was sold to XXXX XXXX XXXX. XXXX XXXX is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.
05/21/2017	Yes	Payday loan, title loan, or personal loan Title loan	Improper use of your report Credit inquiries on your report that you don't recognize	IL 600XX	Web
On XXXX XXXX XXXX , One Main Financial ran a hard inquiry on my credit report along with my husbands. This was NOT authorized nor did we give them consent to do so. We currently have a loan through them for se veral years. We did not ask to refinance or anything like that. They did not have permission to do this . One Main has been caught in so many lies, several by me alone. They tell you one thing and then do another.
10/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28209	Web
The interest rate is almost 30 % I will never pay anything towards the principal. My payments are monthly and they will always go to Interest. It 's suppose to be a place to help me get out of debt now I 'm in further debt because I ca n't pay this loan off because of the obsurd Interest rates. It 's not a company that wants to help it 's a company that just keeps offering to loan you more money every month to keep you in debt!
01/28/2018	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	MI 48864	Web
I used the OneMain website to inquiry about their personal loans and their website is very clear that it will be a soft pull on your credit report. They in turn did a hard pull. I twice asked them about this and they gave a standard answer. I have attached all documention and have sent letters to all 3 credit reporting agencies to have this inquiry removed. All pertinent information and proof is on the letters I have provided.
10/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 759XX	Web	Older American
I am a XXXX year old widow on a fixed income. I dont know the exact date, but I recently borrowed {$5000.00} from XXXX XXXX XXXX in XXXX Texas using my car as collateral. Without any notice, my payments doubled then someone was sent to my property without any documentation threating to repossess my vehicle. I was verbally assaulted including racial slurs. After contacting XXXX XXXX XXXX office, I was referred to this service.
09/19/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	VA 201XX	Web	Older American
we borrowed a total of XXXX and we agreed to 35..65 % on the loan, they are charging us XXXX finance charges for this loan, that is over 90 % charges in interest for this loan. the interest should be XXXX. I called the company and he claims its because the loan is for 4 years. so he is charging us 35.65 % every year the payments were set on the balance. also they have the titles for collateral. this happened on XXXX/XXXX/XXXX
04/01/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	MO 63010	Web
Filled out a pre-qualification form, was advised checking to be qualified would not affect my credit, unless I applied for the loan. After filling out the form, the next page asked for more information, but did not indicate that I was not prequalified and filling out the extended form would be a hard pull. Secondly, was not informed ahead of time that I was applying for a vehicle title loan, of which I am not interested in.
11/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	ME 04240	Web
When we filled out the loan paperwork they made us sign up for products and services we could not use -- homeowner 's and car insurance though we do n't own a home or car. They put my income as " Unemployment '' on the loan application even though we gave them our Social Security award letters as proof of income. They did not tell us our Social Security benefits are non-attachable income and that we could not afford the loan.
11/17/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	MD 20743	Web
The Financial Institution I am filing a complaint about is : OneMain Financial XXXX XXXX XXXX, MD XXXX XXXXI took out a consolidated loan from my credit union to pay off a few small credit cards and debt, OneMain Financial being one of my creditors. I took a check that was written out by my credit union to OneMain Financial and was told, " I could not use a check from another loan to pay off my loan with OneMain financial. ''
10/12/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA XXXXX	Web	Older American
I borrowed money from OneMain Financial in the amount of {$15000.00} in XX/XX/2017 with my car as collateral. In the contract, the interest is 19 % per annum. Monthly payment would be deducted from my bank account in the amount of {$490.00}. In each bill however, only {$280.00} goes to the principal loan and the {$210.00} goes to the interest. This is 43 % way more of what is stipulated in the loan agreement. Please help me!
01/10/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30324	Web	Servicemember
I was scrutinized and asked for very personal information for a loan for {$6000.00}. I was also treated with disrespect. I was approved at first but when I went in the office to close on the loan I was asked for more personal forms of information that I thought was unorthodox for a small loan when I had already been approved. I never even received confirmation that my documents were disposed of after I was denied the loan.
11/11/2019	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	AR 72712	Web
LAST CHANCE TO SETTLE OUT OF COURT ONEMAIN FIANACIAL AND XXXX, ON XX/XX/XXXX XXXX SUPRESSED OUR CREDIT FILES BECAUSE WE KEPT CHANGELEDGING THEM THAT THEY KEPT ALLOWING PROMO INQURIES AFTER OPTED OUT IN XX/XX/XXXX. AS A RESULT XXXX XXXX XXXX XXXX, FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX CASE NO. XXXX, CLOSED ON XX/XX/XXXX, THE TRUSTEE LEFT OUR 3RD PARTY CLAIMS FOR YOU AND XXXX ON THE TABLE TO FILE SUIT.SEE ATTACHED.
02/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 936XX	Web
XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX credit report XX/XX/XXXX related to that application. A formal dispute was mailed to XXXX XXXX XXXX XX/XX/XXXX ; as of this date XXXX XXXX XXXX has not replied to the dispute which is a violation of the FCRA.
11/29/2016	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	NH 03053	Web
I have a certified letter to them to not contact me before XXXX They still contact me and now are contacting me at work, via email. Also they sent me an email, which I have that says " per our conversation the other day '' here is ... I did n't have a conversation with them, I just called them on it and XXXX people XXXX and XXXX admitted to use this letter in order for me to contact them. My bill is n't even 30 days late.
03/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL XXXXX	Web
One main Finacial continues to threaten me although I am making monthly payments I fellbehind. They have said if I donot pay the full amount of XXXX dollars in 7 days they will take further action. They thanked me for making payments but they wont the full payment of XXXX or else face further acitons. I am afraid these people are powerful I dont know what to do please help Please help I received this document in the mail
05/09/2018	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	MN 563XX	Web	Older American
On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to One Main Financial! I contacted One Main about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX Police dept. One Main has requested several times to XXXX to remove the hard hits from my account, the hard hits are still there.
08/30/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	DE 19701	Web
constant collections calls all day Numerous calls in one Day, its Annoying and Violates the FDCPA on Collection Call Harassment on A Predatory loan imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower does n't need, does n't want or ca n't afford. LOAN # XXXX
02/10/2018	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	NY 11201	Web
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
05/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX
05/01/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	FL 328XX	Web
My vehicle was stolen and then set on fire in XX/XX/XXXX. I contacted OneMain Financial Services regarding the issue and was paying for insurance in case something happened to my vehicle. One Main refused to honour the insurance or even discuss the problem with me. The local office was rude and incompetent to the nature of the events. Since then they continue to try and bill me despite my vehicle being a complete loss.
08/21/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75042	Web
I work for the State of Texas. We are not allowed to use our equipment, including phones for personal use. I have repeated told the personnel of One Main Financial in XXXX, Texas that these calls are not allowed and that they are jeopardizing my employment. I need them to stop calling my place of work. I am behind a few days. I have communicated with them by phone and email on my personal equipment. This is harassment.
02/14/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WI 53589	Web	Older American
ONEMAIN # XXXX XXXX , IN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$8600.00} Date Updated : XX/XX/XXXX Payment Received : {$230.00} Last Payment Made : XX/XX/XXXX High Balance : {$9600.00} Credit Limit : {$10000.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$190.00} per month, paid Monthly
08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10035	Web
Hello, I '' m reporting a problem because I did a pre qualify application with one main finical on XX/XX/2018 and it was supposed to be a soft pull on my credit. this application also said that my credit would not be effected if i applied I called them last month to prove to me if this was a hard pull or send me a letter and they could not provided any proof. Here is a link I used for the application. XXXX XXXX XXXX
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NC 286XX	Web
I sent a complaint back in XX/XX/2016 ( complaint number XXXX ) to One Main Financial and after the complaint they changed the account and begin sending letters and the last one sent threatened to sue me if I do n't pay. After the first complaint of them calling me at work and getting me in trouble and switching my account and now threatened to sue me. They have and are in complete violation of the Fair Credit Act.
08/22/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 93311	Web
XXXX has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SPRINGLEAF was not established by myself buXXXX XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
11/17/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	WA 989XX	Web
0n XX/XX/2016 I applied for a XXXX dollar debt consolidation loan through XXXX. I was then directed to one main financial where it said I was prequalified for that loan. after I filled out my information I was approved for a secured XXXX car loan. I did not apply nor do I need a car loan. this is deceptive and did not apply for a car loan. I called one main credit disputes and was told I could not have it removed.
05/30/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 34609	Web
I recently applied for a home mortgage. Per the broker there are inquiries on my report that I did not authorize. There is a pull on my experian report from XXXX/XXXX/XXXX. I did not authorize this. However it was set to drop off XXXX/XXXX/XXXX. The documents attached are from a fresh report pulled XXXX/XXXX/XXXX and it is still on there. I would need this removed immediately as it is a negative impact on my score
09/06/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 93311	Web
XXXX has been non-compliant with removing the unverified account SPRINGLF FIN which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SPRINGLF FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
06/15/2018	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	NY 11803	Web
I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ONEMAIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX and XX/XX/.
02/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29640	Web
I took out a personal loan with XXXX/One Main in 2008. I was not informed by the company that a " refinance '' started the entire loan amount from the beginning of the loan. I have requested complete pay history from the company. I have paid a considerable amount of money on this loan and deem it paid in full due to the company 's misleading their terms of contract, pressure to refinance, and deceptive practices.
09/11/2017	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	AZ XXXXX	Web
I found XXXX Hard Enquires in my credit report XXXX made by a company named OneMain on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXX, Az XXXX phone : XXXX XXXX XXXX and OneMain on XX/XX/XXXX located at XXXX XXXX XXXX, XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60411	Web
I sent Springleaf financial a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
11/27/2018	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	CA 92376	Web
XXXX has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SPRINGLEAF was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
08/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IN 46410	Web
Bait and switch.. Prequalified and they even did a hard pull afterwards. Talked to a rep who then turns around and says, Oh, your collateral isnt of enough value so we wouldnt be able to proceed. I ask what value it came back as, they say, they dont have that information. These people are absolutely ridiculous and dishonest. I would never do business with them. Ever. Now I have another hard inquiry on my credit.
06/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28803	Web
OneMain is charging me 17.20 % interest on my car loan dated XXXX/XXXX/2014. Yet I just purchased a car and was financed elsewhere at 5 %. I asked OneMain if they would refinance me now that my credit is better and they refused. I have held off the last few payments as I have tried to get them to redo the loan at a fair rate. Instead all they do is harass me making phone calls to me from XXXX disserent numbers.
05/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN XXXXX	Web	Servicemember
This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at One Main and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither XXXX or One Main will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.
05/27/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 70118	Web
I received a loan from One Main Financial i n Louisiana on XXXX XXXX 2017. I was not informed what pre computed interest meant exactly. My loan interest is over 20 %. I 'm still waiting on my documents from them to know the exact amount of interest. So now my {$5000.00} loan is {$11000.00}. The usury law for Louisiana has a legal max of 12 % for personal loans. They are breaking the law and fooled me.
01/26/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	TX 75241	Web
I was a victim of identity theft and now I have pay day loan inquiries on my report under my old name XXXX XXXX, the person even tried to carry me on income taxes. I 've tried to dispute them but the credit reporting company is telling me to contact the company. The companies wo n't remove them saying that it 's my information, even though I have documentation from the IRS, say I have identity theft on record
09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21401	Web
I disputed this before and they are still insisting that information is accurate. In XXXX the company was not One Main Financial. It was Springleaf. I was not late with Springleaf. Their statement and response took place in XXXX. I had given them a check payment and wrong acct number was entered. So it came back. Then I replaced it immediately. I need them to show me written documentation that I was late.
07/06/2018	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	AZ 85024	Web	Older American
I HAVE TWO ACCOUNTS WITH ONEMAIN : 1- THE FIRST ACCOUNT IS PAID AS AGREE WHIT XXXX BALANCE. 2- THE SECOND ACCOUNT I MADE APAYMENT ON XX/XX/2018 CAMPANY ALWAYES REPORT THE END OF EVERY MONTH Until NOW THAT ACCOUNT NOT BEEN REPORTED TO XXXX , XXXX AND XXXX . IN THE PAST EVERY TIME WAITED OVER 3 WEEKS TOTHEM REPORT THE PAYEMENT AND EVERY MONTH I DISPUTE THE ACCOUNT THAT WHY AS CONSMER COMPELAINE ABOUT ONEMAIN.
09/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 98052	Web
I received an email from One Main Financial saying that i have a credit hard inquiry which impacted my credit score on XX/XX/2019. I have not requested for any loan. However, I received a notification from XXXX XXXX that i am pre-qualified for loan and it also stated that this process will not effect my credit score, but an hard inquiry happened on my account. I request you to please take an action on this.
11/12/2017	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	CA 92394	Web
One main 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
10/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 44319	Web	Servicemember
I took a loan out for {$3600.00}. My bank deposited the check in another 's persons account. Once they corrected the problem I had lost out for the reason I needed the money for ... So I repayed the {$3600.00} before the first due date ... Now the institution I borrowed the money from says I owe them {$340.00} by XXXX ... that 's only 7 days they have me to pay the {$340.00} when I just payed {$3600.00}
10/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92071	Web
I sent a letter to ONE MAIN FINANCIAL regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from ONE MAIN ).
02/02/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28173	Web	Servicemember
In 2015 Onemain Financial acquired Springleaf. I have interest-bearing loans with both finance companies. Since the acquisition I have continued to pay these loans separately. I have asked a few times what can be done to consolidate my loans so that I have XXXX payment and XXXX interest rate, their feedback is that they can not do it. Between the XXXX loans I 'm paying north of 50 % in interest charges.
08/20/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30068	Web
XXXX has been non-compliant with removing the unverified account ONEMAIN which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ONEMAIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
06/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77530	Web
ONE MAIN FINANCIAL has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. ONE MAIN FINANCIAL has single handily kept me from getting into a new home! Please help
12/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TN 38135	Web
I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..
05/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 292XX	Web	Older American, Servicemember
This company, One Main, has continually sent me a bill for {$12000.00} more or less which I do not owe. I have never heard of One Main. My neighbor also gets a bill from this same company which she does not owe. I suspect they saturate a city with bills and even if one person get afraid and pays, its worth their effort. The alleged account number with them is : XXXX in the amount of {$12000.00}.
11/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02021	Web
XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.
03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28752	Web
The company called my phone multiple times within a short amount of time. They only left a voicemail on the first call. I have asked them repeatedly to email me during business hours because I 'm not allowed to make personal calls at work. I had already informed them that I would be making a payment today. This is not the first time this has happened either. The company is One Main Financial.
10/09/2019	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	IL 601XX	Web
I recently obtained a copy of my credit report from XXXX that indicated that a credit inquiry was made by your company on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I requested validation by certified mail several times and it was removed from all credit reporting agencies except XXXX.
07/05/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	NY 11229	Web
I tried to call One Main Financial but they put me on forever hold and when I got to speak to a person they were extremely rude to me and refused to continue communication. in XX/XX/XXXX I made a bigger payment on my account as well as in XX/XX/XXXX and XX/XX/XXXX however they reported it as of No data to credit bureaus. It is a fraud! They charge me a very high APR and do not work at all.
11/05/2019	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	AL 354XX	Web
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.
10/28/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 337XX	Web
I do not wish to receive offers of a line of credit from OneMain Financial. I have requested to opt out via XXXX XXXX XXXX and through credit reporting agencies. I continue to receive this unwanted mail. This is like registering with DoNotCall and continuing to receive telemarketing phone calls. Offers of credit continue to be sent by : OneMain Financial XXXX. XXXX XXXX XXXX, IN XXXX
01/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07110	Web
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
12/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19082	Web
Creditor is reporting accounts that are invalid and unverified. XXXX XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30736	Web	Servicemember
Personal installment loan debt with Springleaf was settled and final payment of settlement was made on XXXX/XXXX/16. Springleaf has deliberately failed to mark the debt as settled and the past due balance as {$0.00} on any of my credit bureau accounts. Instead, they have updated the balances as if the final payment ( last of 7 previous monthly payments ) was the only payment ever made.
04/10/2019	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	KY 42141	Web
XXXX XXXX XX/XX/18 One Main XX/XX/18 One Main XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.
02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33144	Web
I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.
12/19/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC XXXXX	Web
XXXX was informed on XX/XX/18 that I can not accept personal calls at my work place because my employer prohibits them. However, since then, I have received continuous calls at my work place from XXXX and various other XXXX employees ( audio recording available ). Furthermore, One Main Financial has my cell phone number. Thus, there is no reason for them to be contacting me at work.
05/09/2018	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	TX 754XX	Web
I have lodged disputes with XXXX XXXX, One Main Financial and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
06/02/2015	Yes	Credit reporting	Incorrect information on credit report Public record	WA 98023	Web
TALKED WITH XXXX CREDITORS THEY TOLD ME THAT THE WHERE NOT THE XXXX KEEPING THIS DISPUTE ON MY CREDIT REPORT /BANKRUPTCY XX/XX/XXXXPAID IN FULL THIS DISPUTE WAS ADDED IN XX/XX/XXXX? PLEASE REMOVE IT. THIS IS KEEPING MY GOOD CREDIT SCORE DOWN AND I AM TRYING TO REFINANCE MY HOME. THIS WAS CLEARED ON MY BANKRUPTCY/ SPRING LEAF AFFIRMED AND XXXX AFFIRMED THEY ARE NOT HOLDING THIS UP
12/27/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CA 92065	Web
The vehicle was sold/traded in to XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. One Main is reporting a 30 day late for XXXX 2018. I have called XXXX and One Main requesting this to be modified and corrected - we were not in possession of the vehicle and under the understanding that XXXX was going to pay the vehicle off. We were never notified that it was not paid and past due again.
12/14/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27265	Web
Received a Letter in the mail yesterday from OneMain FInancial offering a loan up to {$10000.00} the issue is that there is NO APR DISCLOSURE on any of the 2 pages. This is very misleading and I want to make sure that the elderly do not fall for this. Maybe I am not sending this to the right channel but please this type of marketing should not be alllow. Sincerely, XXXX XXXX XXXX
04/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 497XX	Web
This complaint is in relation to my previous complaint against the same company. My previous complaint # is XXXX . One Main Financial was supposed to mail me my original loan documents to prove that I signed an agreement stating that only one of the two borrower 's signatures are required to complete loan modifications. I have yet to receive those documents nearly 60 days later.
05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	CA XXXXX	Web
Company has reported XXXX separate charge- offs, instead of the single falied charge off t hat occured. Compan y has failed to delete tradelinre in its entirety upon sale to collection agency, in violation of double and multiple jeopardy provisions of applicble law, including the FCRA and other state and federal law. Reporting has obstructed payment of this and other accounts.
02/01/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32164	Web
Took out loan using car as part collateral, lost job claimed bankruptcy signed a reaffirmation for the loan.Signed up for automatic deductions from my checking that they take out every month, they are trying to collect money from before the agreement I spend endless time I get it straightened out for about a week then a different number starts calling. Some calls are threatening
10/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 22152	Web
Am I behind on Payments- Yes! But to keep calling my place of work a million times a day is harassment! This is the second time that I have asked not to call me at work but on my cell phone! I will definitely work out some kind of plan where I can have it deducted from my account each time I get paid but please please please please stop harassing me at my job!!!!!! Thank you!
12/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MI 497XX	Web
I am the co-borrower ( as XXXX, not XXXX ) on this loan with my now ex-husband. We 've been divorced for 2 years, however on XX/XX/XXXX, One Main Financial allowed him to do an " Adjustment of Terms '' on this loan, extending the term of the loan to XX/XX/XXXX, 5 years longer than the maturity date of the original loan that I agreed to, without my signature or even my consent.
08/20/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NJ 077XX	Web
One Main Financial charges extremely high interest rates and none of the payments have gone to principle only interest. I’ve tried to resolve but was only lied to and told a payment would be drafted XXXX days if I set it up - but was actually taken out the next day causing other items to go delinquent.I have received multiple phone calls daily - which should not be happening
06/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77006	Web
I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.
05/30/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 34609	Web
I recently applied for a home loan, I was advised that there were several hard inquiries on my report that were not authorized. I contacted Springleaf and they advised that I needed to contact experian but they said that Springleaf needs to resolve. I sent a request to experian to have removed XXXX. I attached the latest request. I would like the inquiry removed immediately
08/30/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	SC XXXXX	Web	Older American
None of the above options fit. For over a year I have been asking one main financial to remove me from their mailing list. I have called the local office. I have called the corporate office. I have filed a written request. I have messaged on XXXX and XXXX. I have tried return to sender. I joined opt out two years ago. They just keep sending me loan offers and wont stop.
04/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17112	Web
On XX/XX/XXXX around XXXX my spouse was contacted by One Main Financial regarding an alleged debt. The company had contacted me numerous times and then seemingly stopped. However, the company again began contacting me and my wife constantly throughout the day, and before XXXX and after XXXX. I have requested they cease all attempts to contact me and they will not stop.
09/13/2016	Yes	Mortgage Other mortgage	Settlement process and costs	IN 476XX	Web	Older American, Servicemember
Took out a second mortgage out XXXX 2005 for XXXX 20 year term fixed interest as of today still owe principal XXXX and see on bottom of bill a deferred interest of XXXX. This is not right, i have asked for a pmt history and original contract to be mailed to me. I think there could be some kind of government protection for mortgage companys taking advantage of consumers
08/04/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76543	Web	Servicemember
SPRINGLEAF FINANCIAL REFUSES TO PROVIDE VALIDATION OF THIE DEBT IN WRITING TO ME AS REQUESTED VIA FAX, TELEPHONE AND EMAIL. THEY FAIL TO PROVIDE INFORMATION CONCERNING THE INSURANCE THEY COLLECTED ON THIS ALLEGED DEBT. THEY HAVE N'T RETURNED THE TITLE TO THE XXXX XXXX XXXX XXXX THAT WAS USED TO OBTAIN THIS DEBT. THIS DEBT SHOULD N'T BE REPORTED ON MY CREDIT REPORTS.
04/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79109	Web
In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my XXXX credit report as it has been in there for 5 years in default. The last four of my social are XXXX
03/22/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	IN 477XX	Web
Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.
03/15/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	OK 740XX	Web
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX
05/30/2019	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	SC 293XX	Web
OneMain Financial, The Law Office of OneMain Holdings , Inc., OneMain Holdings, XXXX XXXX, or one of it's affiliates have received certified well-documented mailings for Validation, Non-Response, Cease and Desist requests. Each request has been ignored and as a result the account remains on my credit file. I have included one of the letters in the attachments
02/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60623	Web
I continuously received about 20-30 calls a day at my job and on my cell phone from this company. They also leave several messages a day on my voicemail which causes me not to receive other messages because no one can leave a message after they flood my voicemail. In addition, someone called my place of employment and was very rude to the person that answered.
07/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 727XX	Web
" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''. CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM XXXX CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.
04/04/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NJ 08094	Web	Older American
The loan officer maintained control of the wireless mouse and told my husband and I he would walk us through the disclosures but he never passed us the mouse to give us control so that we could read through to click or check off to agree with or read the disclosures. We had every intention of completing the process but what if others do n't. Is this the norm?
03/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95757	Web
back in XXXX i found a fraud account on my credit report and i called the company let them know this account was fraud i also sent over my police and ftc affdavit regarding this fraud account this company placed this account back on my credit report without no notification and they also put that is was charge off as of XXXX/XXXX/XXXX and thats a complete lie.
07/05/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75035	Web
I have received multiple collection calls from One Main Financial for a person that used to have my work phone number. I told the collection agency that I am not the person they asked for, and to stop calling my work phone number. They informed me that they would put down that the number is not valid anymore, but I have since still received at least 4 calls.
03/19/2018	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	CA 92078	Web
I applied for a loan through a specific online source. The site led me to many others that implied that I had not imputed the adequate information and that they'd need it once more. i was later informed that my credit was deeply damaged because different sources had run a hard credit check without my knowledge. I had only knowingly applied to XXXX XXXX XXXX.
11/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 98270	Web
My complaint is with One Main Financial. Since XX/XX/XXXX18 I have received 57 phone calls from One Main Financial. This is ridiculous. I am tired of it. Also 2 months ago I set up a payment plan with them. And they said that they would defer my payment and allow me to change my due date. Come to find out they never allowed that to happen. They lied to me.
01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 766XX	Web	Older American, Servicemember
THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. IN XXXX XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE FIRST PART OF XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.
09/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 45013	Web
I got a personal loan for XXXX in XXXX I am still paying on this loan of {$250.00} a month the loan has went to three different companies each time I ask him when this loan will in they do n't even know I keep on getting the runaround I was told that the interest would be paid off in five years I know I made a mistake I just wanted anybody can help me
08/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 228XX	Web
Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end.
05/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30134	Web
Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. company updated credit report " verified '' without providing proof of debt
05/19/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	FL 33579	Web
I was approved for a {$1500.00} loan through One Main Financial. And when I was able to provide all the required documents, I was told the loan was denied. Waste of time and inquiry on my credit report. Why call someone and say they're approved and have them allowing you to view personal information to slap them in the face. This company is a fraud.
09/14/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30705	Web
I took out a XXXX mortgage with XXXX in XX/XX/XXXX for {$21000.00}. The account was sold to Springleaf Financial, I believe in XXXX. My current balance is {$19000.00}. So in over XXXX years may balance has only reduced by {$1500.00}. I do n't understand how this can be. I was wanting to refi my 1st mortgage but this account is keeping from doing so.
01/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44870	Web
I have contacted this company One Main Financial I received a notice back. That it has to be cause of my personal information. This can be fraud I have received several emails from this place. I even locked my credit report if this is not removed I will contact attorney about this situation. I will not be taken advantage of this need to be removed
10/04/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NJ 07018	Web
On XX/XX/2018 I received a call from One Main requesting a payment. I was driving and asked the representative if I could call back and she continued to talk. I was trying to pay attention to the road and she continued to harass me and would not hang up. I had to hang up on her. It appears she locked my account so I can not make a partial payment.
09/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NH 032XX	Web
I got a loan for {$5000.00}. The interest is {$7000.00}, making the amount I'm paying back {$12000.00}. I thought there was a law against charging exuberant interest. I needed the money at the time & didn't notice the amount of interest. I just think someone should look into One Main Financial & have them review their interest. It's ridiculous!
05/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11412	Web
I have Never applied for an auto loan with XXXX XXXX, XXXX XXXX XXXX, XXXX OneMain, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
02/16/2018	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	OH 43302	Web
I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX
04/30/2016	Yes	Payday loan	Received a loan I didn't apply for	SD 57105	Web
I have permanently " opted out '' from unsolicited financial/credit marketing through all XXXX credit bureaus. However, I received the attached offer in the mail - which looks very much like a " check '' - and am concerned not only about the protection of my financial identity but also about others who may have also received this solicitation.
11/14/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	DE 198XX	Web	Older American, Servicemember
I took out a loan with One Main Financial and they said that my payment was going to be {$180.00} dollars a month, but when I went online to look at my account summary my payment was only {$130.00} a month. I called them to asked about it but was told to call back, and I called back and was told that they would call me, but I never got that call
01/20/2018	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	GA 30101	Web
I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given
02/19/2019	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	MO 63141	Web
XXXX and XXXX are reporting past due on the OneMain account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
12/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
04/28/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 75048	Web
I am being sued by XXXX XXXX XXXX for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in XXXX XXXX TX case # XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to XXXX . This debt was charged off by OneMain Financial i n XXXX XXXX .
03/14/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	MD 21061	Web
My dispute is with SpringLeaf Account # XXXX in the amount of {$6300.00} Tried to contact them with the information on my credit report - Was told they were no longer in business??? This is all the information I have : SPRINGLEAF XXXX XXXX XXXX XXXX {$6300.00} REV {$6300.00} $ XXXX {$6300.00} 1 0 0 0 CLOSED XP PURCHASED BY ANOTHER LENDER
06/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 47374	Web
On XXXX/XXXX/XXXX I filed bankruptcy. OneMain Financial was sent the bankruptcy paperwork from my lawyer. OneMain still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. OneMain has exceeded the time limit to fix this on my credit report.
11/19/2018	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	PA 19134	Web
I've recently checked my credit report and seen that I had four separate hard inquiries from the same creditor for a personal loan. I have sent a removal dispute letter to the creditor and have not received a response or any result on my credit report. ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX
10/10/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 079XX	Web
OneMain contacted at least one of my references via telephone. The caller left a voicemail indicating that they were a debt collector calling from OneMain and requesting a call back. My reference called back and was told that OneMain was a debt collector trying to get in touch with me regarding a debt. This is a blatant FDCPA violation.
04/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70065	Web	Servicemember
I was called at my job when I verbally told them not to call. I have no idea how they got my number at work I explained to them numerous times that I work late I sometimes get off after XXXX XXXX and I dont have access to a phone at all times. When called about them calling my place of employment they act they knew not to call already.
04/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	FL 32211	Web
My credit was ran without permission nor was I told. These are unauthorized and I have been fighting with them and credit companies, XXXX is the only one that removed information. I have been fighting this since last summer 2017 and also the cable company ran my credit and was told that it would be a soft hit and that is not the case.
05/11/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	PA 18702	Web
per XXXX XXXX website, they remove after 2 years from credit report. per XXXX, account is closed please remove from all three reports. XXXX XXXX was charged {>= $1,000,000} by 42 states in XX/XX/2018 for bad practices. statue of limitations has passed. XXXX XXXX & the company they bought the debt ( one main financial ), must remove
08/05/2017	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	CA 94577	Web
I want out of the promotional material mailed to me. There 's instructions on how to opt out. A number was provided for me to call to opt out of promotions and marketing ; however, they first asked for my social. That is something I 'm not comfortable giving and is scam like. I want this to stop immediately without providing my Ssn.
07/06/2019	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	PA 152XX	Web	Servicemember
Company does not make available the vehicle title for transfer at time of payoff thereby requiring both parties to maintain insurance on said vehicle whilst company takes 2 weeks to produce title. I have proof of lost potential buyers because of this practice. Company claims they don't have titles because " they could get lost ''.
05/23/2019	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	GA 30084	Web
I have a loan with ONEMAIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I XXXXXXXX, XXXX and ONEMAIN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
11/04/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 10029	Web
Someone has applied for credit many times through multiple creditors causing the amount of inquiries to decrease my credit score. The only credit I have applied for was a XXXX XXXX Credit card and a mortgage through XXXX XXXX. The amount of inquiries has damaged my score so much It is making it difficult for me to finance my home.
05/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 18702	Web
one main financial & XXXX XXXX dont match. photos attached one main -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX XXXX XXXX got collections XX/XX/XXXX why long wait from one main to XXXX? re-aging on both parties? 2 credit shows open, one shows closed and not in collections which is correct
08/03/2019	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	GA 31907	Web	Servicemember
My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXXL XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 ONEMAIN XX/XX/2019 XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
12/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NE 681XX	Web	Older American
I have had over 300 harassing phone calls at work and at home for a loan I have never been late or missed a payment on. I have repeatedly asked them to cease and desist from the harassment to no avail. This company practices predatory lending practices, sells private information and uses high pressure harassment to intimidate.
05/24/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 75154	Web
I got a personal loan from OneMain FInancial. I made a payment and then I had a personal family crisis arise which created financial hardship and inability to make the payments. OneMain calls me twice a day every day at work. I requested at least three times via email to stop the harassing calls at work but they keep calling.
09/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 283XX	Web	Servicemember
One main has destroyed my reputation of stellar credit with false accusations and reported inaccurate information in regards to my XXXX XXXX credit report. I have no knowledge of this account and this account does not belong to me. Ive battled with one main for over 6 months regarding their shady and unprofessional tactics.
06/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11779	Web
in XXXX I agreed to settle the outstanding amount owed by my late husband, I sent the check for {$5000.00}. and since then a debt collection agency calls 3 to 4 times a day leaving no message. The debt has been sent against my credit report as an overdue loan payment The company is One Main and the collection agency is XXXX
12/04/2017	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	TX 78704	Web
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. I have attached letters from other creditors showing their investigation results.
03/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30274	Web
I submitted a previous CFPB compliant against one main financial offering a XXXX settlement and requesting for the Lawsuit against me to be dropped, however a I spoke with a representative from one main financial and she indicated that one main financial had 60 days to give a response and she would note it on the account.
09/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75159	Web
I mailed a goodwill letter on XX/XX/18 regarding XX/XX/2018 late payment status. I was having financial hardship due to being admitted into an in-patient hospital for a month and losing my job. They mailed me a letter on XX/XX/18 stating they aren't willing to help me out. This is keeping me from getting a mortgage loan.
08/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21401	Web
They keep reporting me late for XXXX of 2016. Account is paid in full and closed. I was never late. This lowered my score and I'm unable to get employment because I have poor credit. They need to provide me with proof for that year and month that was late supposedly and they need to remove lateness so I can get a job.
03/01/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	NJ 08088	Web
I obtained loan and used car title as collateral. I purchased new vehicle unrelated and now can not get rid of original car I used as collateral because of lein. Vehicle is not operable and lender will not release title. I am now stuck with responsibility of vehicle that doesn't even run and lender is refusing to help
01/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30909	Web
XXXX XXXX and One Main has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!
11/19/2017	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	ID 83440	Web
One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle
09/08/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 94804	Web	Older American
I borrowed {$2600.00}, became ill, not working. Lending company got judgment against me for {$5000.00}. Garnished my wages for {$150.00} per month for the last XXXX months. My payroll company stop the garnishment after {$4000.00} was paid ; now they are coming back to garnishing my wages again for another {$2100.00}.
10/27/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	PA 186XX	Web	Servicemember
When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX XXXX veteran when they issued the loan at the interest rate of 22 % instead of at 7 % which I am eligible to receive.
01/12/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 350XX	Web
I went through debt consolidation with XXXX. One main financial continues to call me to set up a payment or to get more money from me. They have agreed to the consolidation and have continued to harass me. Forced me to pay XXXX dollars after they agreed to the consolidation and called me 4 times since the agreement.
02/21/2019	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	CA 93662	Web	Servicemember
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX
01/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 38018	Web
On XXXX 2015, My now ex wife and I applied for a loan and approved/received a loan for XXXX and as of right now the loan is XXXX. The agreement between my ex wife and myself was to pay the debt collectively but her end of the agreement was not held. I paid as much as I could before I could no longer make payments.
01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33319	Web
This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.
04/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33023	Web
The Telephone Consumer Protection Act of 1991 ( TCPA ) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. ... The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.
08/15/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	WA 98092	Web	Servicemember
One Main financial has called my wife and I a total of 10 times today. I was at work and unable to answer. My wife was sleeping for her overnight shift tonight. This has caused a significant issue for my wife and I since she was unable to get enough sleep tonight so that she can work. This is textbook harassment.
07/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30035	Web
Springleaf is reporting that a payment has not been received since XXXX 2016 and are also reporting the wrong balance. Not only have I made timely payments all year, I have made extra payments towards my balance. They are reporting a balance of XXXX however my balance is XXXX. This is affecting my credit report.
04/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX Alert shows my OneMain Financial as " Settlement ''. I never signed a settlement nor verbally agreed to one. 2 ) On XXXX my XXXX XXXX XXXX account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.
08/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44256	Web
Unauthorized hard inquiries from XXXX XXXX, OneMain, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
07/02/2017	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	TX 777XX	Web
On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.
01/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 07017	Web
Receiving up to five calls a day. Applying payments only to interest for several years, then transferred account to collections department, when I complained about that. Harassing conversations with branch until account transferred. Transferred account without notifying me first and changed account number.
03/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32547	Web	Servicemember
Within my contract sent to me by a law firm on behalf One Main there are two different interest rates listed along with different loan dates. One is over 30 % and the other is XXXX. According to Florida Statues Chapter 687.02 usurious contracts should not be charged at an insterest rate of more than 18 %.
09/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37076	Web	Servicemember
ONEMAIN FINANCIAL included this debt in the bankruptcy of another consumer and my responsibility for this debt was terminated, yet ONEMAIN FINANCIAL is reporting the debt on my credit report. Per court documents filed by their Banckruptcy Specialist, the debt belongs to one consumer named on the filing.
08/06/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 78577	Web	Servicemember
company send a Texas judicial branch certification commission certified process server to my home with threats that I will be sued for all my belonging such as personal property, vehicles and that the judge will rule against me for been such a big amount of money so I can pay-off the amount in question.
02/11/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	AZ 85212	Web	Servicemember
the debt was with XXXX, they sold it to a company called XXXX, they also reported to my credit report- and I paid XXXX - and they removed their derogatory mark but XXXX is still reporting as a closed charge off - i've asked them to remove it all together since ive already paid the debt and they don't
05/25/2018	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	GA XXXXX	Web
sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.
04/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77498	Web
I have an item that is on my credit report that is effecting the integrity of my score and credit worthiness. The item information can be found below : I am not aware of this item or where it came from as this is a debt that I do not own. ONEMAIN XXXX XXXX XXXXXXXX XXXX, IN XXXX Balance : {$2900.00}
01/09/2018	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	CA 91764	Web	Servicemember
this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, XXXX continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
05/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63401	Web
I have asked One Main Financial not to call my place of employment and yet they have on three separate occasions. The most recent was on XXXX/XXXX/2016 when my coworker again informed them that I could not receive calls at work. It is embarrassing and allows other people to know my personal business.
04/13/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28334	Web
One Main Financial is reporting to the credit bureaus that my loan was delinquent in XXXX and XXXX. This is not the case. I made my payments on time. I have brought this error to the attention of One Main and also disputed the pay history with XXXX, but One Main will not correct the reporting error.
02/24/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 900XX	Web
there was a fraudulent credit inquirey from one main financial. i filed a claim with you and the matter was resolved as fraudulent inquirey and was to be removed. you have the letter from one main financial in their reply to you. it is STILL on my credit report. I need it removed immediately please.
06/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WA 98926	Web
This is for a personal loan. Have constantly contacted XXXX of my references after being told to stop. Have harassed my wife at work. Constantly calling my house. All this because i am XXXX payments behind because i am on permanent XXXX now. i have not missed a payment in XXXX months and pay extra.
11/14/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IN 46241	Web
I have never went to this company onemain on XX/XX/XXXX or XX/XX/XXXX or i never gave no one permission to use my name .. I never had an account wit this company so stop charging me an take off my credit please it was someone else ... I should have to pay for something ive never done or asked for
01/14/2018	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	KS 66062	Web
I checked XXXX XXXX today, and there are 2 Hard Inquiries made on my Credit Report from the same company on 2 different dates that I am not aware of ever submitting. the company is ONEMAIN FINANCIAL the dates are XXXX XXXX XXXX and XXXX XXXX, XXXX. Which has resulted in my credit score dropping.
10/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29108	Web	Older American
I applied for a {$6000.00} Loan from Main One, XXXX XXXX, XXXX, South Carolina., XXXX 2018 and could not see at the time thru the need of XXXX XXXX. Had the XXXX XX/XX/XXXX, 2018.. went over Loan agreement which is at 35 % ..But they are trying to charge me {$12000.00} on a {$6000.00} Loan ....
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17815	Web
To Whom It May Concern : I had an account with One Main. Our agreement upon receiving my last payment, my account with be closed. It was also agreed upon paid in full, it would not affect my credit report/score, however it is. It is currently showing as a : Charge Off. Respectfully, XXXX XXXX
10/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90046	Web
In an effort to learn my pre-approved rate on a personal loan with ONE MAIN FINANCIAL, ONE MAIN FINANCIAL did a hard pull on my XXXX credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX inquiries was made. This happened on or around XX/XX/2018.
10/27/2019	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	FL XXXXX	Web
ONEMAIN had made a hard inquiry on my credit report, send a dispute letter to immediately removed this inquiry from my credit report through XXXX. I haven`t sign any documentation that proves that I have any connection with them. They refuse to do so, impacting my credit report seriously bad.
02/25/2019	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	AL 35758	Web	Servicemember
I have duplicate inquiries on my report and it doesn't seem as if they perform a proper investigation to fix the problem. It is with One Main and the dates are XX/XX/2017 and XX/XX/2017..This has impacted my report negatively and has repeatedly caused me to be turned down for lines of credit.
01/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30291	Web	Servicemember
I called XXXX and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.
09/10/2019	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	GA XXXXX	Web
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019 to XX/XX/2019. 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.
08/16/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 080XX	Web
I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!
11/10/2017	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	IN 46368	Web	Servicemember
I applied for a loan on XXXX/XXXX/XXXX with One Main Financial. They performed a hard inquire that day.Then they performed another hard inquire on XXXX/XXXX/XXXX. This should not have occurred since they did it the day before. The hard inquire is showing up on my credit as hard inquire.
07/31/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NC 27107	Web
OK I NEVER TOOK OUT A LOAN WITH SPRINGLEAF FINANCIAL BUT IN MY CREDIT REPORT I HAVE INQUIRES ON MY CREDIT REPORT. I HAVE WROTE TO SPRINGLEAF AND ON XXXX/XXXX/2015 I GOT A LETTER SYING THAT THE INQUIRES WOULD BE REMOVED BUT AS OF XXXX/XXXX/2015 THE INQUIRES IS STILL ON MY CREDIT REPORT
07/08/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	VA 23238	Web
I had taken a loan with one main and they had to secure it with my truck which is no longer valued at what they valued. I had asked if they could release lien so i could have title and the debt would be unsecured so i can negotiate debt with a credit counseling group and was refused
12/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CA 90638	Web
I am filing this complaint for a client of XXXX XXXX XXXX. He is in our debt settlement program. OneMain Financial has called his work on many occasions after being told by him that it will impact his job. He has since been given a verbal and then a written at work due to the calls.
11/07/2019	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	AZ 85022	Web	Older American, Servicemember
OneMain Financial submitted credit application with out any knowledge of application, after contacting Branch Manager XXXX XXXX and OneMain Financia, they claim that NO application was ever submitted, but XXXX sent a offer for my information to be possessed as a credit application.
11/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98686	Web
Account number is : XXXX Account Name : XXXX XXXX XXXX Amount XXXX Paid in full XX/XX/2018 Company reporting it : One Main XX/XX/XXXXXXXX XXXX IN XXXX They did not properly notify me of the collection and promised that they are unwilling to delete it. Thank you XXXX XXXX XXXX
06/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90249	Web
Dear Team, I have received lot of pre approved/ pre selected offers from below companies in Mail over Last 2 years. but when i applied to them i was denied and it caused me accumulating Inquiries on my Credit report. - OneMain Financial XXXXXXXX XXXX XXXX XXXX- - XXXX XXXX
04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 230XX	Web
I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from one main finincial. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever
09/10/2019	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	TX 77339	Web
I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
03/05/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 349XX	Web
I am a single mom struggling to pay bills on a small income and is hard to stretch. I do not know how to make ends meet .It is hard to survive in a society where it is not designed for someone like me to achieve success .I need help and I cant afford to pay the loans back.
01/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 272XX	Web	Servicemember
Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.
08/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 14206	Web
Interest rate on the loan is extremely high. Im reaching out to your organization to review to this loan. In NY State are these rates legal? Complaint against the following company One Main Financial. Annual Percentage Rate 24.99, Amount Financed XXXX. Total payments XXXX
03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY XXXXX	Web
One Main Financial aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.
04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30168	Web
On XX/XX/2017 One Main Financial placed an credit inquiry on my XXXX credit report. I have never applied with One Main Financial. I am requesting a copy of an authorization giving them permission to view my credit report with this agency or any other agency on XX/XX/2017.
11/25/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OH 45424	Web
I paid off my car loan XXXX 2015. Istill do have not received a clear titleafter numerous contact with loan co. have been paying full coverage $ XXXXper month. can get liability for $ XXXXfor 6 months The payoff wasinstructed to send to XXXX XXXX XXXX XXXX XXXX, SC XXXX
06/03/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 93534	Web	Servicemember
Springleaf Financial of XXXX, CA Office refused to give me an approved loan after the review of my XXXX Bank Statement showing that I was making Installment Loan payments to XXXX XXXX and offered Today to reimburse me for gas and mileage from XXXX CA to XXXX and return.
05/08/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	PA 18702	Web
one main financial per my credit report, account paid -- charged off i need this removed from credit report asap i have picture from credit report the statue if limitations for PA is 4 years, credit report showing removal XX/XX/2020. please have them do early removal
10/31/2017	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	FL 32819	Web
This is a complaint against XXXX, inquiry date : XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 78238	Web
I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.
10/06/2015	Yes	Payday loan	Can't contact lender	CA 92223	Web
I have asked the creditor/collection agency for a itemized statement as they were stating I owe {$500.00} and the owner of the loan is stating {$1500.00}. That is a huge difference. I still have not received the itemized statement for my payments that I have made.
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48045	Web
Onemain Financial Gr. on XX/XX/2019 lured me into checking to see if I prequalified for a loan and stated it would not be a hard inquiry on my credit report, and it clearly was is a hard inquiry on my credit report, which has now had an effect on my credit report
06/25/2018	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	NJ 07753	Web
Filed dispute with the credit bureaus and One Main Financial beginning in XX/XX/XXXX. I filed subsequent disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the creditor is reporting this account in compliance with the FCRA and the FDCPA.
07/16/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28078	Web	Servicemember
The creditor is calling everyone of our family members and friends. We do n't care if they call us, HOWEVER, we will not stand for the harassment of our family and friends. This is to file a major complaint against Springleaf Financial and its collection actions.
05/13/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	MD 20721	Web	Servicemember
On XXXX/XXXX/16, Springleaf offered pre-approval for a line of credit in the amount of {$5000.00}. However, upon applying, the loan was turned into an auto loan without my consent. I declined acceptance of the loan as Springleaf mislead me regarding its product.
04/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 880XX	Web
lIKE XXXX YEARS AGO, I DECIDED TO ACCEPT AN OFFER FROM XXXX ( RIGHT NOW ONEMAIN FINANCIAL ) FOR EDUCATION PURPOSES, THE INTERES WAS REALLY HIGH HOWEVER I NEED TO PAY THE TUITION. AFTER THE YEARS THE LOAN IS NOT BEEN REDUCED, AMOUNT FOR THE PRINCIPAL IS MINIMAL
04/05/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28269	Web
Horrible experience. Car repossessed after one late payment. They tacked extra fees, required payment in one weekweek which was impossible and I had to pay {$75.00} to get my personal belongings that were still the car. I 've been a customer for almost two yrs
08/27/2018	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	NC 28083	Web
On XX/XX/2017 One main financial pulled my credit report for an application I never requested, applied for, or knew anything about. I have written letters to the company, disputed my credit report, and almost a year later, still no response and no resolution.
05/14/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75067	Web
Per the FDCPA, debt collectors are not allowed to leave two voicemail messages on the same number on the same day. OneMain called my cell phone number at XXXX CST and XXXX CST. On each call, a voicemail was left. This is a direct violation of the FDCPA.
01/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28306	Web	Servicemember
One Main from XXXX, Indiana is listed on my credit reports and I have never done business or obtained a loan from a company named One Main. Please delete from my credit report. I have asked them for proof of debt multiple times and have not received it.
09/15/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NH 03102	Web
Everyday, One Main Financial calls me at least ten times a day and has sent me three letters a day reminding me I owe them money. On Wednesday XXXX XX/XX/2018, they called md every half hour. This past week, Ive received fifteen letter from them.
03/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	GA XXXXX	Web
I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!
12/03/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 19115	Web	Older American
Lender has a {$150.00} service fee which is added to the finance charge at closing. However, the APR is not adjusted to reflect this. Thus, the APR is incorrect. Also, since the top rate is 27.99 %, adding the service fee would violate usury limits.
01/26/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	TX 75241	Web
I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.
07/29/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75019	Web
This company makes repeated calls to my cellphone and my work phone daily. They're very often less than an hour apart and consistently break the 3 times a day rule. While, yes, I realize I am behind, this is straight harassment and needs to stop.
08/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 34711	Web	Servicemember
I have my several hard inquires on my credit reports. I have never applied for any credit with this company and would like them to remove there inquires and remove any of my personal information they have fraudulently received from there records
06/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33321	Web
I went to obtain an autoloan and was informed that there was a judgement in my name. I pulled my credit to get debt collector information and when I contacted them they were aware the had to wrong person yet extended no relief with this problem
07/23/2016	Yes	Consumer Loan Personal line of credit	Account terms and changes	NJ 07103	Web
Springleaf Financial Services placed several inquiries on my credit report as a result of someone submitting an application, using my personal information, without my consent. The dates of these inquiries are : XXXX XXXX, 2015 XXXX XXXX, 2015
08/30/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MT 59901	Web	Servicemember
OneMain Financial said I was approved for a personal loan of up to {$6800.00}. Not " pre-approved '' nor " tentatively approved '', but " approved ''! Then they did not honor their promise. This kind of deceptive business practice must stop.
09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 190XX	Web
This was a title loan and it was released XX/XX/2016. I received the release letter in the mail after I made the final payment at a SpringLeaf in XXXX, PA on XXXX XXXX. The new title for the car from the DMV was mailed to my home soon after.
01/17/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37620	Web	Older American, Servicemember
calls from them several times a day, everyday. i told them that i was in financial trouble and to stop the call and messages, that i would let them know if things changes.dates are from XX/XX/XXXX thru XX/XX/XXXX. one main financial at XXXX
08/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 604XX	Web
Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.
02/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MN 55125	Web
Hello, My loan was refinanced and the title for the car has not been sent to us, which was suppose to happen months ago. I spoke with the branch Manager in the XXXX Mn location and still have not received the total for the XXXX XXXX XXXX.
03/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33484	Web	Older American
THESE COMPANY ONE MAIN HAVE PULL MY REPORT THREE TIME AND I LOST 21 POINT WITH OUT MY AUTHORIZE AND DID NOT APPLY WITH THEM, you can not give some one information with out there consent or authorize that is a serious violation of privacy
10/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 95828	Web
I have talked to the agent I have went online to set up a payment they are calling 5 to 6 times a day plus sending emails I advised I was later off they are calling my old employer on XXXX/XXXX/17 they called me 5 times and sent 2 emails
03/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93555	Web
When I signed the papers, every time it said no penalty for early repayment, the agent put his finger on the page to point that out, so his finger hid the next line, which said : but you still have to pay the interest for the full term.
12/28/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 147XX	Web
One Main Financial Debt collector calls me many times throughout the day. I have told them I can not talk because I am working. They call back within the next 15 minutes. I revive about 8-12phone calls a day between XXXX XXXX and XXXX.
08/06/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	OH 452XX	Web	Older American
I believe that loans were predator. I need to have someone to review my loans. The balance from the initial loans has triple. I am not behind on the loans, and I would like to paid them off, but these figures appear to be outrageous
12/29/2017	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	TX 78665	Web
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Springleaf financial services reported hard inquiries to my credit report. I have never applied for credit at springleaf. I have contacted the lender and have had no success on removing inquiries
10/17/2016	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	FL 32703	Web
One Main have sold this account to XXXX XXXX were my husband is making {$50.00} payments every week. I need to get One Main off our report report as a charge off. Now that the other creditor have the account and receiving payments.
07/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 17603	Web
This account is not mine. I was a victim of identity theft. I submitted a police report and affidavit proving that I was a victim of identity theft. I have disputed this through the credit bureaus and it still has not been removed.
02/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	DE 19701	Web
I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections
11/15/2018	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	PA 151XX	Web
Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...
09/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 80817	Web
They continue to double charge me, and every month I have to go in and get it fixed. The manager is completely rude and unprofessional. It feels like they are trying to cheat me by sneaking in extra payments that I do n't owe.
02/22/2018	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	FL 32771	Web
Bureau is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not ; so I am filing this complaint against them for unfair credit reporting.
11/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76131	Web
I have been getting XXXX calls and voicemails per day from a debt collection company. I have told them that I am not the associated party and do n't know the associated party and to not contact me again. The calls continue.
03/07/2019	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	CA 93662	Web	Servicemember
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. Creditor : OneMain Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX
03/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48089	Web
I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or OneMain. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.
07/23/2019	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	NC 28269	Web
I pulled my XXXX credit report and found One Main had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
03/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55427	Web
One Main : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
11/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 286XX	Web
OneMain said they would turn my account over to an attorney and threatening to sue me. This is my second complaint on this company. XXXX for calling me at work and getting me in trouble and now threatening to sue me.
11/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	PA 159XX	Web
Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income
08/07/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27527	Web
One Main Financial left a voicemail message on my phone regarding my past due balance on XX/XX/19. Per North Carolina state law, creditors are not permitted to leave voicemail messages for debt collection purposes.
07/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	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	CT 06066	Web	Older American
My due date is the XX/XX/XXXX of each month, but I was told if my payment was not received by XX/XX/XXXX for example, it would be reported 30 days late to credit reporting agency. My math says Im only 21 days late.
05/13/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11003	Web
I noticed on my credit report that one main financial has added an inquiry on XX/XX/XXXX. I did not apply for a loan nor request a loan with XXXX XXXX. I attempted to contact the branch. No one picked up the phone.
02/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	IN 47715	Web
I have a personal loan through One Main Financial in XXXX, KY XXXX. If I am ever late on a payment, they call me multiple times a day, and they continue to call me before XXXX XXXX despite me telling them not to.
10/10/2019	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	IL 601XX	Web
I have reached out to One Main several times by certified mail to address this inquiry showing on my credit report. it has now been over 30 days and i still havent received the proper validation for this matter.
01/22/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95209	Web
This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.
11/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32205	Web
I paid off my loan on XX/XX/2016 and have been waiting since then for an overage payment refund of approximately {$45.00}. I have made several calls to the branch and corporate office, and have gotten nowhere.
05/04/2019	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	TN 377XX	Web
On XX/XX/XXXX, Onemain, without my permission, did a hard inquiry / credit check. While I've done business with them before, no paper or online form / permission was given by me for them to do a hard inquiry.
09/30/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 754XX	Web
Company rep contacted me at work. We are unable to accept personal calls and even after being told so, she continued to harass staff and insisted on leaving her name and contact number. Her name is XXXX XXXX
04/12/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84123	Web
The company is one main financial I do have a loan I am making payments on they call me 2 to 5 times a day every day except Sunday I submit payments monthly of the amount owed and they still continue to call
12/31/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	HI 96816	Web
While on vacation out of the country, the local branch of One Main financial attempted to contact my phone repeatedly every 10 mins. Then contacted my mother in Oklahoma. This is harassment and unacceptable.
02/13/2018	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	MI 49120	Web
I received a rejection letter from One Main Financial for a loan that I did not apply for. I have not applied for any loan from any company and would like to know why that is on my report as a hard inquiry.
08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 296XX	Web
I was out of work for over a month because I was in the hospital. I told them this and they told me I had to come up with the money. Then they asked me to borrow it from family members to pay on my account.
11/24/2018	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	TN 37040	Web
Since XX/XX/XXXX One Main has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX )
06/15/2019	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	CA 91702	Web
Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me
11/14/2019	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	MI 48507	Web
I sent a letter to XXXX to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.
04/19/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	DC 20020	Web
OneMain Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/17/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	WA 98387	Web
I was 29 days late making loan payment. i paid XXXX XXXX 2016 before XXXX. They reported to credit agencies I was 30 days late. payment was due XXXX XXXX 2016 paid XXXX XXXX 2016. Springleaf financial
12/13/2016	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	MO 630XX	Web
They keep calling me while I am at work. I have asked them to not call me during the hours of XXXX. I also emailed their main office asking them to have the local office not call while I 'm at work.
02/25/2018	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	KY 410XX	Web
Unauthorized credit Inquiries listed on XXXX credit report. No one hady permission to pull credit Inquiries. Multiple times credit inquires on XXXX Please remove them XXXX refuses to remove them.
12/29/2017	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	DE 19713	Web
Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.
06/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 085XX	Web
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.
05/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	DE 19701	Web
I feel this is a Predatory Loan/Lending with Subprime Lending with a High intrest Rate and fee with High Monthly Payment and the Balance does not go down. My loan # XXXX from OneMain Financial
04/30/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KS 67501	Web
Springleaf has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
09/28/2017	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	MD 21239	Web
I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called one main, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.
05/14/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 970XX	Web
One Main has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/24/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OK 73703	Web
OneMain has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
11/29/2018	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	DC 20019	Web
There was inquires from Onemain on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
08/02/2018	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	PA 18102	Web	Servicemember
I called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this
06/26/2018	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	CO 80111	Web	Servicemember
On XX/XX/2018, XXXX alerted me that ONEMAIN had requested access to my consumer credit report. I had no knowledge or did I give my consent for ONEMAIN to review my consumer credit report.
06/08/2017	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	WA 992XX	Web
I have XXXX hard inquires on my credit report and they were n't authorized 1. XXXX XXXX , DE XXXX ( XXXX ) XXXX and 2. SpringLeaf Financial services no contact information
05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	PA 19151	Web
XXXX XXXX XXXX calls me every day from many differences numbers telling me they are going to sue me for debt. I 'm tired of being harassed I lost my job I have no way to pay it right now.
05/14/2019	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	AZ 85024	Web	Older American
AN FAIR PRACTICE ONMAIN FINANCIAL REPORTIN TO CREDIT BUREAUS XXXX, XXXX AND XXXX WHEN YOU OPEN ACOUNT HOW FAST WILL REPORT THE ACCOUNT AND WHEN YOU CLOSE ACCOUNT AFTER BEEN PAID IN FULL.
01/29/2019	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	GA 30238	Web
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.
03/31/2019	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	FL 32738	Web
This company ran my credit without my consent. I have never applied nor contacted them. I never authorized them to run my credit. I have contacted them several times with no resolution.
05/17/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	GA 30058	Web
SPRINGLEAF AGREED TO REMOVE THEMSELVES FROM MY CREDIT. NOT ONLY ARE THEY STILL SHOWING I HAVE A BALANCE BUT THEY ARE ALSO STILL SHOWING A JUDGEMENT THROUGH XXXX COUNTY MAGISTRATE COURTS
04/18/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46307	Web
One Main has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
05/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	WA 98022	Web
On my credit report from all three credit companies they are still showing accounts that are open when they should be closed and they are all have XXXX balance remaining to be paid.
09/25/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MT 595XX	Web
Combine my wife and my income, the total is about {$XXXX}, yet the reason for denial is excessive obligations in relation to income. Your typical rubber stamp denial for minorities.
03/11/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	DC 200XX	Web
I am receiving emails from Springleaf Financial Service indicating that they need to verify my income and identity to process my loan request. I have n't requested a loan from them.
09/20/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MO 63011	Web
DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.
01/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	TX 78754	Web	Servicemember
Acct is past statue of limitations - debt was canceled with XXXX XXXX - reporting same debt twice on my credit report - only had one loan out with this credit did a refinance.
10/07/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 298XX	Web
They call up to XXXX times a day usually every other hour up until XXXX which the business closes at XXXX. I work midnights and they know this, but they continue to harass me.
08/08/2017	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	FL 33572	Web
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.
02/23/2019	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	NY 11217	Web
ONE MAINE XXXX XXXX XXXX XXXX XXXX IN XXXX No phone number available Date inquiry / XX/XX/XXXX Above-mentioned company made inquiry on my XXXX report # XXXX for XX/XX/XXXX
01/15/2019	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	AR 727XX	Web
ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX AND XXXX AFTER OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY XXXX AND XXXX. 11 IN 3 YEARS AND SENT FALSE ADS.
08/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37076	Web	Servicemember
This information appears on both my XXXX and XXXX credit reports. I do not have any responsibility for this account. I have requested and received no proof of validation.
12/17/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	MI 49017	Web
XXXX XXXX went to this loan place XXXX XXXX at XXXX XXXX XXXX mi useing my ssi number to get auto loan this fraud. her address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX.
09/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 34711	Web	Servicemember
I am showing inquiry from Springleaf financial my credit report I have never done business with them ever spoken with them do n't know anything about them XXXX XXXX 2016
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 727XX	Web
ONEMAIN IS STILL PULLING PROMO INQUIRIES FROM XXXX/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.
04/27/2017	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	IL 60644	Web
Dont have a amount and dates unknown there are several inquires on my r eport thats unknown and unknowledgeable i would like for them to be removed off of my credit.
05/17/2017	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	GA 30047	Web
On XXXX XXXX , 2017 a hard inquiry was placed on my XXXX credit report by One Main. I called and requested them to have it removed but it is still there.
08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	OH 44136	Web
In addition to contacting me, they are looking up phone numbers of relatives and people with the same last name as me. People whose numbers I would never give out.
12/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30092	Web
Unauthorized hard Inquiry on credit reports dated XXXX XXXX 2017 No authorization or consent given to this company by customer. Investigate and delete immediatly
01/26/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75034	Web
This debt is not mine. I 've been disputing this since it was with Springleaf in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
07/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29045	Web
Late payments showing up on my credit report and these guys are predatory lenders. Interest paid off the entire loan and 8 years later they are still billing me.
01/17/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	VA 23323	Web
I did a title loan with One Main Financial. I feel like the interest they 're charging me is illegal and outrageous. I pay {$250.00} per month just on interest.
12/27/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78759	Web	Servicemember
I asked them twice to stop calling me at work and I am going to get fired if they continue. I even have it in writing to them and they continue calling me here.
05/08/2018	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	CA XXXXX	Web
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN FINANCIAL on XX/XX/2017 which l have no idea about it at all.
03/04/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	NC 27105	Web
THERE IS TWO HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND I HAVE ASKED FOR PROOF OF THE APPLACTION BUT ONE MAIN FINACIAL HAS FAILED TO DUE SO
09/25/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MT 595XX	Web
At XXXX a year and very little bills, not understanding denial reason of excessive obligations in relation to income. Typical reason reserved for minorities.
12/21/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 95355	Web
I received a letter from OneMain FI from XXXX, CA state that I pre qualify for a installment loan After I try to apply for a loan said that I am not qualfy.
08/31/2017	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	TX 75219	Web
I reviewed my credit report and noticed my credit was pulled by One Main. I did not authorize this pull nor have I received any services from this company.
10/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web	Servicemember
second request : 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.
01/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA XXXXX	Web
I never authorized Onemain to inquire about my credit history, they have a hard inquiry on my report that i want removed because i never authorized them.
11/18/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 30060	Web	Older American, Servicemember
A Consent Order Granting Motion To XXXX XXXX for our loan was issued XXXX XXXX, XXXX. As of this date, One Main has not filed a Satisfaction of Mortgage.
04/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30071	Web
Really dont know who is this bank, is. And if this was my account and don't remember it's very old and want it off my credit report, over 20 years old
05/08/2018	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	CA XXXXX	Web
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN on XX/XX/2017 which l have no idea about it at all.
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
01/15/2019	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	AR 727XX	Web
ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX AND XXXX AFTER BEING OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY, XXXX AND XXXX.
10/04/2019	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	SC 291XX	Web
I have a hard inquiry dated XX/XX/2018 from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX I never applied for any service or account with this company.
04/16/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	CA 93550	Web
Constantly calling my personal phone 20 times A day and then calling my job 3 times in an hour XX/XX/18 XXXX and XXXX XXXX from this number XXXX
12/06/2018	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	CA 90301	Web
4. ONEMAIN - XX/XX/XXXX - UNATHORIZED INQUIRY 5. XXXX XXXX - XX/XX/XXXX - UNATHORIZED INQUIRY 6. XXXX XXXX - XX/XX/XXXX -, UNATHORIZED INQUIRY
07/29/2018	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	AR 727XX	Web
ONEMAIN AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM XXXX, AFTER CONSUMER OPTED-OUT.
04/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 19124	Web
I took a loan for XXXX in XX/XX/XXXX. I made payments of XXXX in XX/XX/XXXX andXX/XX/XXXX and paid off loan in XX/XX/XXXX for a total of XXXX
06/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77024	Web	Older American
SOMEONE GOT A LOAN FROM THIS CO. USING SS # & INFO .... THERE ARE THOUSANDS OF XXXX XXXX IN TEXAS MUCH LESS THE WORLD ... PLEASE HELP! THANKS
06/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28277	Web	Older American
I received a letter from OneMain Financial stating that I owe them {$3800.00}. I never sign any paperwork for a loan with OneMain Financial.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI XXXXX	Web
XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.
11/03/2017	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	PA 17403	Web
There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.
11/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29045	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.
10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	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.
09/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29710	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.
09/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 198XX	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.
09/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	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.
01/11/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	CA 92804	Web
Debt collector onemain contacted my family members and XXXX information regarding debt such as type and exact details without consent.
10/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60445	Web
I GOT A LOAN FROM ONE MAIN AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON XXXX AND 4-9 ON XXXX.
12/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28546	Web
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.
05/02/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 392XX	Web
The loan is paid in full due to a garnishment from my check now will not remove the balance of XXXX dollars. Have proof it was paid
06/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL XXXXX	Web
Onemain has me listed as having applied for a loan with them on XXXX XXXX, 2017th and I have never applied for anything with them.
05/21/2015	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	IN 46410	Web
They are calling before XXXX and constantly calling during times I am at work or in school. I 'd rather just get correspondence.
02/22/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75228	Web
XXXX XXXX XXXX has continued call my employment I have made the statement I am currently going through debt consoling and FDCPA
04/19/2019	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	LA 70058	Web
I have no knowledge of the following inquiry : Onemain XX/XX/2018 Please investigate to ensure there is no fraudulent activity
02/18/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 94609	Web	Older American
XX/XX/2019 Paid monthly payment of {$410.00} to One Main Financial. Charged {$400.00} Interest and Fees and {$7.00} principal.
09/18/2018	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	MN 55421	Web	Servicemember
Company stated they do not do hard inquiries, but they are on my credit report. I would like them removed please. Thank you.
06/11/2017	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	MO XXXXX	Web
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
11/22/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30906	Web	Older American
I applied for a loan and the interest is 33 % percent over a 5 year. I tried to get them to lower my percentage rate.
07/25/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	VA 242XX	Web
I took my husband to get a loan. I ended up cosigning and now that it could not be paid off my credit is suffering.
01/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21133	Web
After I received the loan there were additional fees add on as well as it feels like the interest rate increase.
01/18/2018	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	VA 23238	Web
On XXXX 2017 and XXXX i have an inquirys from one main financial that I need to be removed from my credit report
01/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 23060	Web	Servicemember
Want to pay loan but company interest rate is really high over 31 percent and it will take forever to pay off
02/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 783XX	Web
I am receiving more than one attempt to collect the debt per day up to four calls a day, including Sunday 's.
09/16/2018	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	NC 27804	Web
One main XXXX XXXX XXXX XXXX These were just a few I noticed I didn't apply for called company didn't remove
04/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 473XX	Web
Dispute hard inquiries One Main XXXX XXXX XXXX XXXX XXXX XXXX These arent mine need to be taken of pls
03/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 13021	Web	Older American
A woman from a personal loan company threatened to freeze my bank account and seize my social security
02/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30083	Web
I'm asking can One Main Financial take off all off my close accounts that on my credit report. Thanks
01/28/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	PA 164XX	Web
The manager calls repeatedly 4-5 times a day, from different phone numbers and calls my job as well.
12/20/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28144	Web
The company has contacted relatives about the debt, especially to complain when the payment is late
04/12/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 44446	Web
one main keeps calling me at work even after I ask them not to me here as it interferes with my job
04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web	Servicemember
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.
08/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78410	Web	Servicemember
I was 3 months late on payments, I have a installment loan with my car title securing the note
05/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30122	Web
One main financial obtained a copy of my credit report without my permission on XX/XX/2018.
10/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 611XX	Web
This company calls around 15 times a day for past due payments even when asked to not call.
02/11/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	LA 710XX	Web	Older American, Servicemember
Completed chapter XXXX everything still remain on my credit reports so I ca n't get a loan.
02/10/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	IL 601XX	Web
One main fin is a rip off they are charge me 100 % I receive XXXX and they want XXXX back
02/06/2017	Yes	Payday loan	Charged fees or interest I didn't expect	CA 91403	Web
I paid the loan off it was {$7500.00}, now they are charging {$7500.00} in interest fees.
03/29/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL XXXXX	Web
SPRINGLEAF FINANCIAL SERVICES made an unauthorized credit inquiry to my XXXX credit file
07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32811	Web
Hi there! I did not approve this inquiry I want to dispute this transaction Thanks!
12/15/2015	Yes	Consumer Loan Title loan	Payment to acct not credited	PA 15206	Web	Servicemember
Loan was sold during my chapter XXXXBankruptcy and it was paid in full to Company.
09/28/2017	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	FL 32209	Web
XXXX XXXX XXXX XXXX XXXX XXXX All Inquires were submitted without my permission.
01/04/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 329XX	Web	Servicemember
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.
11/06/2019	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	NV 89117	Web
I never authorized this company to run my credit bureau reporting on XX/XX/2018
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43607	Web
Someone opened a XXXX account in my name opened on XX/XX/17 the balance is XXXX
04/07/2018	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	KY 40215	Web
Inquiries placed on my credit report without my doing during XX/XX/18 - present
11/30/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28211	Web
The interest rate on my loan is at 29 %! Outrageous. I will never pay this off
11/25/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27539	Web	Servicemember
Springleaf Financial Services is overcharging my account with interest fees.
11/18/2018	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	GA 30047	Web	Servicemember
I have unauthorized credit reports from this company on my credit report.
11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70122	Web
Ive contacted the companies and tried to resolve the matter still nothing
05/17/2017	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	GA 30241	Web
XXXX / XXXX / 16 Called credit bureau to try to have inquiries removed
09/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30125	Web
Calling multiple times and contacting family members. Excessive contact.
03/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72712	Web	Older American
CEASE AND DESIST PULLING PROMO INQUIRIES I AM AN EXISTING CUSTOMER.
04/14/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MI 497XX	Web
When called XXXX to be taken off list SSN was required to continue
11/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 21811	Web
I have asked that they do not call me at work but they continue to
10/23/2017	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	PA 18102	Web
I have an inquiry on my credit report that I did not authorize.
08/02/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28273	Web
Calling 3 times a day on both personal phone and work phone
07/13/2017	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	FL 342XX	Web
to many inquires on my credit report that im not aware of.
04/27/2018	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	VA 23323	Web
Late Payment that I am not really sure that I was late.
08/29/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	FL 331XX	Web
onemain was not Authorize to pull my credit report!
01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 61265	Web
Calls 6 times a day and very rude when i answer
08/23/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32771	Web
I loss my paper work, the date and the amount
03/08/2018	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	TX 77071	Web
Credit inquiry from XXXX, i did not authorize
10/23/2017	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	PA 18102	Web
I have an unauthorized inquiry on my account.
01/26/2017	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	SC 298XX	Web
One main XXXX, sc calls 3 to 4 times a day
02/11/2019	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	CA 94544	Web	Servicemember
Credit inquiries that i do not recognize.
06/03/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NC 27704	Web	Servicemember
Continued harassing calls day and evening
08/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
Being contacted for a loan that was paid.
12/12/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29644	Web
They keep callin me, I told them to stop
11/04/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 30034	Web
I was called 9 times in one day.
09/13/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 34209	Web
Request for FULL VALIDATION
08/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53405	Web	Servicemember
XXXX XXXX is not mines
12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32712	Web
FREQUENT CALLS AT WORK
09/07/2017	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	FL 33150	Web
Unauthorized inquiry.
11/11/2019	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	GA 30349	Web

11/06/2019	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	FL 33304	Phone

11/05/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11704	Referral

11/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75409	Web

10/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80620	Postal mail

10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21795	Web

10/29/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	LA 70072	Phone

10/29/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 10451	Postal mail

10/22/2019	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer		Phone

10/22/2019	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	OH 44681	Web

10/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services		Phone

10/21/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	IL 60439	Phone

10/16/2019	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	TX 77090	Web

10/15/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60015	Web

10/15/2019	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	PA 17111	Web

10/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 77510	Web

10/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34981	Web	Older American, Servicemember

10/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web

10/03/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 63367	Web

10/03/2019	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	NJ 08029	Web

10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 78702	Phone

10/01/2019	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	MN 55369	Web

10/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	OK 74137	Postal mail

09/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33901	Web

09/29/2019	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	AZ 85295	Web

09/27/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone	Servicemember

09/25/2019	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	SC 29201	Phone	Servicemember

09/24/2019	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account status incorrect	TN 37334	Phone

09/23/2019	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Personal information incorrect	IL 61319	Web

09/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 45231	Web

09/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone	Older American

09/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60419	Web

09/10/2019	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	SC 29403	Web

09/10/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	MS 39204	Web

09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30281	Web

09/09/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	IL 61054	Web

09/06/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	OH 44120	Phone

09/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98684	Phone

09/03/2019	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	MD 21015	Phone

09/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30518	Web

08/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CO 80206	Web	Servicemember

08/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92377	Phone

08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90405	Web

08/27/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29642	Web

08/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30038	Phone

08/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 39897	Web

08/25/2019	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	TX 77346	Web

08/23/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	OH 44824	Phone

08/23/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	AL 36054	Web

08/19/2019	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	CA 95843	Web

08/17/2019	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	CA 92105	Web

08/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone	Older American

08/09/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 27401	Postal mail

08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

08/09/2019	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	MS 39479	Web

08/08/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33414	Web

07/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 43302	Web

07/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70005	Web

07/31/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	OH 43082	Web

07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Received unwanted marketing or advertising	VA 23231	Web

07/24/2019	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	OH 45322	Web

07/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone

07/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 93015	Postal mail

07/20/2019	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	AL 35807	Web

07/18/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	IL 60620	Phone

07/17/2019	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	FL 33624	Postal mail

07/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64050	Web

07/12/2019	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	OH 44005	Web	Servicemember

07/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NY 11208	Phone

07/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60106	Web

07/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95357	Fax	Older American

07/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 23188	Referral

07/11/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	OH 45240	Referral

07/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 15765	Phone

07/05/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments		Phone	Servicemember

07/01/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	MO 63146	Web

06/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23231	Postal mail

06/28/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23462	Web

06/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30349	Phone	Older American

06/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

06/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

06/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 99223	Phone

06/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31047	Referral

06/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	WA 98208	Phone

06/24/2019	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	NV 89519	Web

06/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91040	Web

06/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	IL 60654	Fax

06/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 86004	Web

06/17/2019	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NC 27406	Web

06/14/2019	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	FL 32714	Web

06/13/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	UNITED STATES MINOR OUTLYING ISLANDS XXXXX	Web

06/11/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	SC 29728	Web

06/08/2019	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	PA 19132	Web

06/04/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt		Phone

06/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 08054	Web

06/03/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74429	Postal mail	Older American

06/01/2019	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	SC 29223	Web

05/29/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle		Referral

05/28/2019	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	NV 89502	Web	Servicemember

05/23/2019	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	NY 10452	Phone

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92780	Web

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48174	Web

05/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39503	Web

05/20/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92657	Web

05/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NH 03874	Web

05/16/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NJ 07866	Referral

05/15/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 74429	Postal mail	Older American

05/15/2019	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	WA 98620	Web

05/14/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	KS 66441	Phone	Servicemember

05/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60163	Web

05/09/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 36054	Phone

05/07/2019	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	PA 15207	Web

05/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27330	Web

05/06/2019	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TX 78586	Web

05/05/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35758	Web

05/01/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NY 11763	Fax

05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85734	Postal mail

04/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11217	Phone

04/29/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	NY 12020	Referral

04/25/2019	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	NJ 08332	Phone	Servicemember

04/24/2019	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	FL 32208	Web

04/24/2019	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	FL 33415	Postal mail

04/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report	FL 34652	Postal mail

04/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Phone

04/19/2019	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	GA 30349	Web

04/18/2019	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	NY 11217	Phone

04/17/2019	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	CA 95219	Web

04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32746	Fax	Older American

04/17/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	VA 24054	Phone

04/16/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	VA 23231	Phone	Older American

04/15/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments		Phone

04/15/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60654	Phone

04/08/2019	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	NJ 07920	Web

04/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	AL 35474	Phone

04/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44720	Web

04/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IA 50313	Phone

04/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 32955	Phone

04/01/2019	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account status incorrect	NC 28314	Web	Servicemember

03/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85615	Web

03/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60619	Web

03/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	NC 28078	Web

03/19/2019	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	OH 43123	Web

03/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NJ 07083	Phone

03/12/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MO 63020	Web	Older American

03/11/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect		Phone	Older American, Servicemember

03/09/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32526	Referral

03/08/2019	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	TX 75169	Web

03/08/2019	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	FL 34711	Web

03/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	UT 84067	Web

03/05/2019	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	NJ 07920	Web

03/04/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	PA 17402	Postal mail

03/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 15687	Postal mail	Servicemember

03/02/2019	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	FL 32792	Web

02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 42040	Web

02/26/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	KY 40962	Referral

02/26/2019	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	TX 79924	Web	Servicemember

02/25/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98026	Web

02/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 31217	Phone

02/19/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OH 44711	Referral

02/18/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	KS 67205	Web

02/17/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 33009	Web	Servicemember

02/16/2019	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	FL 32835	Web	Servicemember

02/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	OK 74014	Web

02/09/2019	Yes	Mortgage Other type of mortgage	Incorrect information on your report Old information reappears or never goes away	MO 63385	Web

02/08/2019	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	FL 32792	Web

02/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20770	Phone

02/06/2019	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	MD 21117	Web

02/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 49512	Postal mail

02/02/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	VA 20176	Web

02/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28227	Web

02/01/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38115	Web

01/31/2019	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	MN 55318	Web	Older American

01/31/2019	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	TN 38134	Web

01/30/2019	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	IL 604XX	Web

01/27/2019	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	FL 32792	Web

01/26/2019	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	NY 11415	Web

01/23/2019	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		Phone

01/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78640	Web

01/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28570	Web

01/16/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MD 21223	Referral

01/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 93257	Phone

01/11/2019	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	OH 44870	Web

01/11/2019	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	FL 32792	Web

01/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 07102	Web

01/08/2019	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	WA 98032	Web

01/04/2019	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	WV 26102	Web

01/03/2019	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	GA 30132	Web

01/03/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33544	Web

01/02/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	VA 23231	Postal mail	Older American

12/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60073	Web

12/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 35456	Web

12/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60617	Web

12/22/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	WV 26003	Web

12/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 35671	Fax	Older American

12/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 38652	Web

12/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 47274	Web

12/15/2018	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	MI 48335	Web

12/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Postal mail

12/11/2018	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	PA 15044	Web

12/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75071	Phone

12/10/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 31030	Phone	Servicemember

12/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19121	Web

12/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	OK 74501	Phone

12/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78766	Web

12/05/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NJ 08096	Phone

12/03/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23464	Web

12/01/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75150	Web

11/30/2018	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	FL 32738	Web

11/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90017	Web

11/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90017	Web

11/29/2018	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	VA 22407	Web	Servicemember

11/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27406	Web

11/27/2018	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	AL 35071	Web

11/27/2018	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	GA 30309	Web

11/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23321	Web	Servicemember

11/20/2018	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	KY 40216	Web

11/20/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MN 55109	Web

11/16/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 23231	Postal mail	Older American

11/16/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	SC 29935	Web	Older American, Servicemember

11/10/2018	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	HI 96740	Web	Older American

11/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	OH 44103	Referral

11/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 90713	Web

11/05/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 98003	Referral

10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76132	Web

10/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23231	Postal mail	Older American

10/25/2018	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	MI 48335	Web

10/23/2018	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	TX 76018	Web

10/22/2018	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	MI 48840	Web	Servicemember

10/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29670	Web

10/18/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30043	Web

10/16/2018	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	OH 44130	Web

10/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77377	Web

10/15/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20735	Web

10/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29481	Web

10/11/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	SC 29670	Web

10/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NJ 08046	Web

10/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20002	Web

10/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NY 10977	Web

10/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NY 10977	Web

10/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	MD 21239	Phone	Servicemember

10/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NY 10977	Web

10/08/2018	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	GA 31907	Web

10/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85138	Web	Older American, Servicemember

10/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NY 10977	Web

10/03/2018	Yes	Checking or savings account Other banking product or service	Incorrect information on your report Account information incorrect	KS 66763	Postal mail

10/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29693	Phone

10/03/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32246	Web

10/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 94306	Web

10/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39042	Postal mail

10/01/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 27358	Web

10/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98674	Web	Servicemember

09/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Postal mail

09/28/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IL 60410	Postal mail

09/27/2018	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	SC 29340	Web

09/26/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money		Phone

09/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40213	Web

09/22/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 15001	Web

09/21/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NC 28269	Web

09/21/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AL 35215	Referral

09/14/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08012	Web

09/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92009	Web

09/12/2018	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	KY 40160	Web

09/11/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37146	Web	Servicemember

09/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 53405	Web	Servicemember

09/07/2018	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 61761	Web

09/04/2018	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	WA 98104	Web	Servicemember

09/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90019	Web

08/31/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 19150	Web

08/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30009	Postal mail

08/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 44221	Fax	Servicemember

08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48201	Web	Older American

08/23/2018	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	VA 24374	Web

08/23/2018	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	NC 28562	Fax

08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70058	Referral

08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17038	Web

08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17038	Web

08/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NH 03867	Postal mail

08/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90064	Web

08/16/2018	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	TX 77079	Web

08/14/2018	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	PA 16601	Web

08/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	KS 67205	Web

08/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	CO 80247	Web

08/07/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	WA 98387	Web	Servicemember

08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28570	Web

08/06/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	WI 53119	Web

08/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91711	Web

08/03/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 62703	Web

08/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30314	Web

08/01/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with renewal	NJ 07456	Referral

07/31/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OH 45458	Referral

07/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	HI 96818	Web	Servicemember

07/30/2018	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	IL 62226	Web

07/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IL 60640	Web

07/30/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28451	Web

07/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23181	Web

07/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	FL 33578	Phone

07/26/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 31414	Web	Servicemember

07/24/2018	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	WI 54891	Web

07/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 20165	Web

07/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23231	Postal mail

07/24/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days		Phone

07/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29680	Web

07/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32839	Postal mail

07/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75904	Postal mail

07/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92804	Web

07/18/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44805	Fax	Servicemember

07/15/2018	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	NY 11375	Web

07/12/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90606	Phone

07/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Postal mail

07/11/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect		Postal mail

07/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89156	Web

07/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29928	Referral

07/05/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OH 45417	Web

07/05/2018	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	SC 29229	Phone

07/03/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	KS 66763	Postal mail

07/03/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 83301	Web

07/02/2018	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	IN 46324	Web

07/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91604	Web

06/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90047	Web

06/27/2018	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	IL 60616	Web

06/25/2018	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	CA 92618	Web

06/25/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	PA 19122	Web

06/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53703	Phone

06/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33486	Web	Older American

06/19/2018	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	KS 66012	Web

06/17/2018	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	OH 44720	Web

06/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60644	Postal mail

06/11/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32210	Web

06/07/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MS 39046	Web

06/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92233	Postal mail

06/05/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 43123	Web

06/05/2018	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	FL 32256	Web

06/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27560	Web

06/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 15146	Phone

06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Referral

06/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98273	Postal mail

06/04/2018	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	IN 46202	Web

06/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92009	Referral

05/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	PA 19111	Referral

05/24/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 17356	Web

05/23/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	FL 32771	Postal mail

05/23/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 43123	Web

05/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30032	Referral

05/22/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NH 03104	Web

05/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28655	Postal mail

05/21/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	WA 98201	Web	Servicemember

05/18/2018	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	PA 18444	Web

05/17/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11415	Web

05/17/2018	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	FL 33682	Web

05/17/2018	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	FL 33682	Web

05/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39429	Postal mail

05/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 35553	Web

05/15/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	NJ 07111	Referral

05/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NC 27703	Web

05/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	VA 22182	Phone

05/10/2018	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		Phone

05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32233	Web

05/09/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91101	Web

05/02/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KY 42053	Phone

05/02/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate		Phone	Servicemember

05/01/2018	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	OH 45233	Web

04/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30039	Web

04/30/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07052	Postal mail

04/30/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NJ 07205	Phone

04/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 66760	Postal mail

04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44310	Web

04/24/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 34711	Referral

04/22/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 77044	Web

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77051	Web

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76087	Web

04/20/2018	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	FL 32233	Web

04/19/2018	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	FL 32716	Web

04/19/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60620	Postal mail

04/19/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MT 59901	Web

04/18/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	CT 06611	Phone

04/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32068	Postal mail

04/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NH 03431	Phone

04/13/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 78245	Web	Servicemember

04/12/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	GA 30034	Web

04/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 07307	Web

04/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 21239	Postal mail

04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10467	Web

04/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NJ 07205	Phone

04/06/2018	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	MO 63010	Web

04/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Web

03/30/2018	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	FL 33484	Web	Older American

03/29/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29073	Web

03/28/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	OH 45212	Referral

03/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 20155	Referral	Servicemember

03/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 34953	Phone

03/27/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 77082	Referral

03/22/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 44646	Fax	Servicemember

03/19/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AZ 85122	Web

03/18/2018	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	SC 29512	Web

03/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77004	Web	Servicemember

03/15/2018	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	GA 30265	Web

03/14/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	NJ 08757	Referral

03/12/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37604	Web	Servicemember

03/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone

03/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 28216	Phone

03/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 23223	Referral

03/05/2018	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	VA 23875	Web	Servicemember

03/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48084	Web

03/03/2018	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	MO 65810	Web

03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30277	Fax

02/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39042	Referral

02/26/2018	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	TN 37862	Phone

02/23/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	SC 29527	Referral

02/22/2018	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	NJ 07075	Postal mail

02/22/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 76180	Phone

02/18/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 91331	Web

02/17/2018	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	IN 46619	Web

02/16/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Referral

02/15/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 37115	Web

02/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 301XX	Web

02/13/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OH 44105	Referral

02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94577	Referral

02/13/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect		Phone

02/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Referral

02/12/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls		Phone

02/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MD 21216	Referral

02/09/2018	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	TX 76087	Web

02/08/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	AZ 85051	Referral

02/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20613	Web

02/05/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 90047	Web

02/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10003	Web

02/02/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	ID 83822	Referral

01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95206	Web

01/29/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MI 48843	Web	Servicemember

01/29/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PR 00617	Postal mail

01/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17603	Phone

01/26/2018	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	CO 81005	Web

01/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone

01/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 44306	Fax

01/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 35124	Web

01/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 91107	Web

01/23/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone

01/18/2018	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	IL 60653	Web

01/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Referral

01/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 64505	Web	Servicemember

01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85259	Web

01/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	TX 76268	Referral

01/12/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OH 44305	Fax	Servicemember

01/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17603	Postal mail

01/10/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Report provided to employer without your written authorization	OH 43055	Web

01/09/2018	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Overdrafts and overdraft fees	IL 60657	Referral

01/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75208	Web

01/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web

01/06/2018	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	OH 45211	Web

01/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85650	Web

01/05/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 400XX	Web

01/02/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NC 28379	Web

12/30/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	IN 46407	Web

12/29/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 79521	Referral

12/29/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA 20155	Postal mail

12/28/2017	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	IL 60438	Web

12/27/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CO 80905	Web

12/26/2017	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	TX 75791	Web

12/26/2017	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer		Phone

12/18/2017	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	CA 90012	Postal mail

12/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95822	Web

12/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48043	Postal mail

12/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28214	Phone

12/14/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	MD 20720	Referral

12/13/2017	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	NC 28306	Web

12/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30083	Web	Servicemember

12/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87124	Web

12/12/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	PA 18036	Referral

12/11/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30038	Fax

12/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 62448	Referral

12/08/2017	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors		Referral

12/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80246	Web

12/07/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 79720	Referral

12/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70005	Web	Servicemember

12/06/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98208	Referral

12/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32578	Referral

12/01/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 37334	Web

11/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43068	Referral

11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 02021	Referral

11/28/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78744	Postal mail

11/28/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	KY 42071	Web

11/28/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78744	Postal mail

11/22/2017	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	IN 46404	Web

11/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76132	Web

11/20/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 32073	Web

11/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29644	Web

11/17/2017	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	NC 28083	Web

11/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29010	Web

11/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46062	Web

11/16/2017	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	IL 60435	Web

11/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53213	Referral

11/15/2017	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	IL 60061	Web

11/13/2017	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	IN 46404	Web

11/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 44662	Fax	Servicemember

11/10/2017	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	OR 97305	Web

11/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 43430	Referral

11/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60651	Web	Servicemember

11/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan		Phone

11/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 44706	Fax

11/06/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23456	Web

11/03/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	SC 29403	Web

11/01/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 22655	Phone

10/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19465	Web

10/30/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	KS 66102	Web

10/30/2017	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	SD 57032	Web

10/27/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32210	Postal mail

10/27/2017	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	LA 70454	Web	Older American, Servicemember

10/26/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	AZ 86429	Phone

10/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60035	Postal mail

10/25/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	NC 28303	Web

10/23/2017	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	PA 15218	Phone

10/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85282	Web

10/21/2017	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	WA 98446	Web

10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 60615	Web

10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64131	Web

10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23523	Web

10/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 22625	Web	Older American

10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 50501	Web

10/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28371	Web

10/14/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MI 48197	Web

10/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 50501	Web

10/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77491	Postal mail

10/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OR 97060	Web

10/11/2017	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	FL 33810	Web

10/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30533	Web	Servicemember

10/10/2017	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	MS 39157	Web

10/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92105	Web

10/06/2017	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	OH 43228	Phone

10/05/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	OH 45788	Web

10/04/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 17268	Web

10/04/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 78702	Web

09/27/2017	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	LA 71111	Web

09/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	GA 30043	Web

09/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97201	Web

09/21/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	IL 60609	Web

09/20/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	WA 98092	Web	Servicemember

09/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37327	Postal mail

09/18/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 75007	Web

09/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web	Servicemember

09/16/2017	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	IL 60649	Web

09/12/2017	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	VA 22033	Web

09/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30009	Referral

09/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 22701	Web

09/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 24017	Web

09/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23234	Web

09/11/2017	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	IL 60649	Web

09/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30755	Web	Servicemember

09/08/2017	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	MI 48602	Web

09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93230	Web

09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Postal mail

09/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27602	Web

09/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 13057	Phone

09/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 14215	Referral

09/05/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	OH 44711	Fax	Servicemember

09/05/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 92376	Web

09/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29070	Web

09/01/2017	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	TN 37643	Web

08/30/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AL 35630	Phone

08/30/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76018	Web

08/30/2017	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	PA 15206	Web	Servicemember

08/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98684	Phone

08/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 22301	Web	Servicemember

08/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98008	Web

08/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TN 38002	Web

08/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 71107	Web

08/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93063	Referral

08/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60174	Web

08/20/2017	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	IN 46228	Web	Servicemember

08/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 45879	Referral

08/15/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28241	Referral

08/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	NY 12401	Web	Older American

08/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75044	Phone

08/10/2017	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	GA 30053	Web

08/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60473	Postal mail

08/10/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23860	Web

08/10/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 95363	Referral

08/09/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	DE 19709	Web

08/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85118	Postal mail

08/08/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	PA 15235	Postal mail

08/08/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IA 51652	Referral

08/06/2017	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	GA 31605	Web

08/05/2017	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	FL 32714	Web

08/04/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	IL 60466	Web

08/04/2017	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	NC 27602	Web

08/01/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AZ 85716	Referral

07/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90248	Web

07/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53202	Phone

07/25/2017	Yes	Payday loan, title loan, or personal loan Title loan	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	MI 48141	Web

07/22/2017	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	KY 40214	Web

07/21/2017	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	WA 98001	Web

07/17/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27106	Web	Servicemember

07/17/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone

07/15/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 44646	Web	Servicemember

07/15/2017	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	FL 33705	Web

07/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	TX 75038	Web

07/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 38756	Phone

07/07/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 44709	Web

07/07/2017	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	GA 30228	Web

07/07/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	OH 44064	Web

07/06/2017	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	LA 70810	Web

06/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75038	Web

06/29/2017	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	GA 30228	Web

06/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	LA 71201	Web

06/27/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CO 80019	Web

06/26/2017	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	OH 44320	Fax	Servicemember

06/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NV 89074	Web

06/24/2017	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	DE 19720	Web

06/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08015	Phone

06/16/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NJ 08094	Postal mail

06/16/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37825	Web

06/15/2017	Yes	Debt collection Mortgage debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 12533	Web

06/15/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 27282	Web

06/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	KY 41101	Postal mail

06/08/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 90003	Web

06/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37064	Postal mail

06/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 27103	Web

06/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 15220	Web

06/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	KS 66204	Web

06/02/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94109	Postal mail

06/01/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 08520	Postal mail

06/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 22701	Postal mail

05/31/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	ND 58701	Web

05/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76135	Web

05/26/2017	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	SC 29644	Web

05/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19344	Web

05/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI 53070	Referral

05/24/2017	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	TX 77063	Web

05/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MT 59833	Fax

05/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43725	Postal mail

05/17/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	IL 61820	Postal mail

05/16/2017	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	IA 50021	Web

05/15/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	NC 28306	Web

05/13/2017	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	GA 31909	Web	Older American

05/11/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75068	Phone

05/09/2017	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	AL 35758	Web

05/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 95070	Web

05/05/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 15045	Phone

05/03/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	IL 60174	Web

05/03/2017	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 89101	Web	Servicemember

05/03/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 19148	Referral

05/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43725	Postal mail

05/02/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	SC 29611	Web

05/02/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	FL 33540	Fax

05/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 08817	Postal mail

05/01/2017	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	CA 93722	Web

04/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45240	Web

04/26/2017	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	TX 77063	Web

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45701	Postal mail

04/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web	Servicemember

04/19/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WA 98272	Web

04/14/2017	Yes	Consumer Loan Personal line of credit	Account terms and changes	MD 21218	Postal mail

04/11/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	FL 33810	Web

04/11/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	PA 19150	Referral	Servicemember

04/07/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 60188	Web	Servicemember

04/07/2017	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	TN 37115	Web	Servicemember

04/06/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	CA 96067	Web

04/05/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30135	Referral

04/04/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 07503	Phone

04/04/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MD 20872	Fax

04/03/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 33611	Phone

03/28/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 46016	Web

03/23/2017	Yes	Consumer Loan Personal line of credit	Managing the line of credit	NJ 08603	Phone

03/22/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 08536	Referral

03/22/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30238	Web

03/21/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 15220	Postal mail

03/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91748	Web

03/18/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27610	Web

03/18/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27610	Web

03/17/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 48341	Phone

03/16/2017	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	OK 73438	Web

03/15/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27572	Web

03/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 13642	Web

03/15/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	PA 19150	Referral

03/15/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 62223	Web	Servicemember

03/14/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	PA 17404	Web

03/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27862	Web

03/14/2017	Yes	Consumer Loan Personal line of credit	Account terms and changes	NJ 08046	Phone

03/14/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	KS 66215	Web

03/13/2017	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	NC 27615	Web

03/12/2017	Yes	Credit reporting	Incorrect information on credit report Account status	CA 91304	Web

03/12/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 98922	Web

03/10/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 91331	Web

03/08/2017	Yes	Consumer Loan Title loan	Charged bank acct wrong day or amt	WA 98144	Referral

03/07/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60101	Web

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 07111	Phone

03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78504	Web

03/06/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32226	Phone

03/04/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27597	Web

03/04/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NC 27597	Web

03/01/2017	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	PA 19335	Referral

03/01/2017	Yes	Consumer Loan Personal line of credit	Managing the line of credit	NC 27889	Postal mail	Older American

03/01/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MN 55810	Web	Older American

03/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34953	Web	Older American

02/27/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NC 27597	Web

02/27/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	TX 75002	Fax

02/26/2017	Yes	Consumer Loan Title loan	Applied for loan/did not receive money	LA 71109	Web

02/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AZ 85249	Web

02/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AZ 85249	Web

02/24/2017	Yes	Mortgage Other mortgage	Settlement process and costs	MI 48135	Web

02/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 62450	Web

02/23/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	KS 67207	Web

02/22/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 98684	Phone

02/22/2017	No	Consumer Loan Vehicle lease	Taking out the loan or lease	CA 94533	Web

02/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 39073	Referral

02/16/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29115	Web

02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OK 74801	Web

02/15/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	AZ 85249	Web

02/15/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60649	Referral

02/14/2017	Yes	Credit card	Identity theft / Fraud / Embezzlement	PA 18704	Postal mail

02/14/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28306	Referral

02/13/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	GA 30355	Postal mail

02/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98362	Web

02/10/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35046	Web

02/10/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35211	Web

02/09/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 38088	Postal mail

02/07/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IA 50073	Web

02/07/2017	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	FL 32703	Phone

02/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 08901	Referral	Older American

02/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29016	Web

02/01/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	GA 31404	Web

01/31/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 87401	Web	Older American

01/30/2017	Yes	Credit reporting	Incorrect information on credit report Account status	IL 60438	Web

01/27/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

01/26/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29045	Web

01/24/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MN 21202	Web

01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	VA 20147	Web	Older American

01/17/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 39859	Phone

01/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37922	Web

01/10/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KY 42053	Postal mail	Servicemember

01/09/2017	Yes	Payday loan	Charged fees or interest I didn't expect	OH 44622	Web

01/09/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 74003	Web

01/09/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	MD 21202	Web	Older American

01/09/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77491	Postal mail

01/09/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 44622	Web	Servicemember

01/09/2017	Yes	Payday loan	Charged fees or interest I didn't expect	OH 44622	Web	Servicemember

01/07/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 296XX	Web

01/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75080	Web	Older American

01/05/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IL 60619	Phone

01/05/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27360	Referral

12/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78541	Phone

12/30/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37034	Web

12/30/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	AZ 85013	Fax

12/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CO 80107	Referral	Servicemember

12/28/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NM 87144	Web

12/27/2016	Yes	Credit reporting	Incorrect information on credit report Account status	FL 33677	Fax

12/22/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	SC 29045	Web

12/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34474	Web

12/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75016	Web

12/21/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MA 01923	Referral

12/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95687	Web

12/15/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32117	Web

12/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27712	Postal mail

12/13/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93726	Postal mail

12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77057	Web

12/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 13905	Phone

12/09/2016	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	FL 32703	Phone	Older American

12/08/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	MD 21043	Phone	Older American

12/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90606	Referral

12/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32221	Web

12/07/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 61265	Web

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19363	Fax

12/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 44312	Referral

12/05/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	OR 97209	Web

12/04/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	AZ 85225	Web

12/03/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 78006	Web

11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NC 28372	Postal mail

11/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77093	Phone	Older American

11/26/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	PA 15212	Web

11/22/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	KY 41701	Phone	Servicemember

11/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75052	Web

11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AL 36078	Referral

11/16/2016	Yes	Consumer Loan Title loan	Applied for loan/did not receive money	CO 80918	Referral

11/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32225	Web

11/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OK 73012	Web

11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 94605	Web

11/15/2016	Yes	Consumer Loan Title loan	Can't stop charges to bank account	FL 32547	Web

11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30034	Web

11/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	PA 17013	Web	Servicemember

11/10/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 20785	Web

11/09/2016	Yes	Payday loan	Can't contact lender	IL 60201	Web

11/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77407	Referral

11/08/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	GA 30096	Referral

11/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30324	Web

11/01/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 11210	Web

11/01/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 64114	Phone

10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 62234	Web

10/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30017	Web

10/31/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91405	Web

10/29/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62907	Web

10/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78704	Web

10/26/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30066	Web	Older American

10/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NE 68132	Web

10/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 08106	Referral

10/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 45405	Phone

10/24/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IA 52403	Fax

10/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 44102	Web

10/21/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65233	Web

10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 08501	Web	Older American

10/19/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	WI 54467	Web	Servicemember

10/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 79549	Web

10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78602	Web	Older American, Servicemember

10/19/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	NY 14617	Web	Older American

10/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MI 48081	Web

10/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75025	Web	Servicemember

10/17/2016	Yes	Payday loan	Can't contact lender	GA 30085	Phone

10/14/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	NC 28462	Phone

10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32003	Web

10/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28680	Web

10/07/2016	Yes	Consumer Loan Personal line of credit	Account terms and changes	MS 39046	Phone

10/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91912	Phone

10/06/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 482XX	Web

10/04/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	OR 97214	Postal mail	Older American

10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10466	Referral

10/01/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IA 52402	Web

09/30/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 27263	Web

09/30/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	WI 53212	Postal mail

09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 23223	Web

09/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34746	Web

09/26/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	WA 98121	Web

09/26/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 28215	Postal mail

09/26/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 45405	Phone

09/22/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	TX 78108	Phone

09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	WI 53006	Web	Servicemember

09/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 46201	Web	Servicemember

09/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75038	Web

09/17/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	TX 77079	Web

09/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 98648	Web	Servicemember

09/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77074	Web

09/14/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 45405	Referral

09/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80229	Web

09/08/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NJ 07306	Referral

09/07/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	OH 45239	Web

09/07/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 24354	Web

09/07/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MI 48081	Web

09/06/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	FL 32247	Postal mail

09/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 62896	Referral

09/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MN 55125	Web

09/01/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 38017	Web

08/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 44601	Phone

08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	OK 74055	Web

08/25/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 99354	Fax

08/24/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	GA 30294	Web

08/22/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30534	Web

08/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OK 73052	Web

08/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53080	Web

08/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90405	Web

08/18/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 19144	Web

08/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 15218	Referral	Servicemember

08/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60542	Web

08/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 45788	Web

08/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60614	Referral

08/05/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92203	Web

08/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 19475	Fax

08/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NE 68803	Referral	Older American

08/02/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 43204	Web

08/02/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 43204	Web

08/01/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 33166	Postal mail

08/01/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 33166	Postal mail

07/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75035	Web

07/28/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	FL 32746	Web

07/27/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 17552	Postal mail	Servicemember

07/25/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AL 36695	Referral

07/21/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	LA 71107	Postal mail

07/21/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	FL 32901	Web	Servicemember

07/20/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	WA 98208	Referral

07/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33054	Postal mail	Older American

07/14/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	IL 60087	Postal mail

07/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 93240	Postal mail

07/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75017	Web

07/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29349	Fax

07/08/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29349	Fax

07/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 79762	Web

07/06/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	WI 53210	Phone

07/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70131	Referral

07/05/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	LA 70508	Phone

06/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 477XX	Web	Servicemember

06/28/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 77541	Web	Servicemember

06/28/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	TN 37854	Web

06/27/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	NJ 07103	Postal mail

06/27/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	NJ 07103	Postal mail

06/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33517	Web

06/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29506	Postal mail

06/23/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 297XX	Web	Older American

06/23/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	PA 17603	Referral

06/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 76063	Referral

06/17/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 43068	Phone	Older American, Servicemember

06/17/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit		Fax

06/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WY 82604	Postal mail

06/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	NC 27104	Web

06/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92126	Referral

06/04/2016	Yes	Consumer Loan Title loan	Received a loan I didn't apply for	OK 74055	Web

06/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 80249	Web

06/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 99301	Phone

06/01/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	NC 28214	Phone

05/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31707	Web

05/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	KY 40353	Web

05/27/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IL 61081	Phone

05/25/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 37022	Phone