| 01/27/2021 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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The person first assisting me I knew as it is a small town. I walked in talked with her about the online pre approval notification from lending tree website for {$18000.00} or a little more. Informed her that I was wanting to utilize a portion of the loan to use part of it with debt consolidation. Then the other part to use as a down payment for a vehicle as my current one just blew the engine. She then stated we could do that and then went into talking about they could even just give the loan for the entire loan on a car. We hadn't looked yet at cars so while she waited for approval for an amount she said by the time we looked at a couple she would have it and would call. We went and looked at three or four dealerships. the first had a car I knew I was wanting to purchase the day before but they had already sold it by the time arriving, so showed me what happened to be the vehicle this is all about right now. While they showed me the car i wanted to go to others to see and not spur of the moment pick the first car I saw or that was offered. After looking we went back to the Loan company where the following took place : Upon walking in the lady in the first desk stated shes on the phone and as I heard that you two know one another I now will be taking over handling your loan. She didn't ask me any questions so assuming she was filled in with what was going on she then proceeded to ask for the Vin, Amount of the vehicle, millage to see if it was set at a price that they may get approved or not per their year and standards, then asked who the Dealership was and so forth. We went and got something to eat to wait for the response on the information we sent. Upon the following morning we were told we were approved to come in and we could go over the details. We went in and she started offering three or four extra items we could add that would increase the loan amount that were insurances to cover, if one of us happened to fall ill it would cover the cost of the monthly payment until released back to full duty from a dr , one was gap insurance to cover the difference from payoff and amount paid by an insurance company getting you a year newer vehicle and with XXXX less miles I do Believe can not recall the exact coverage, there was another insurance equaling three that we purchased. She never went over any qualifications and as this was the first time using my credit for basiaclly anything i even asked about a first time buyers and what that entailed. She stated it wouldn't benefit me. Then told us the system was down for us to be able to sign so she would be emailing us the links to sign electronically then handed me the check for me to take to the dealer had their name Printed on it with amount for the dealership which was around the corner about a mile. Get to the Dealership and was told the salesman who showed us the car the day before was currently tied up with another client, so they sent us back to the manager/.owner i believe he was, as well as the sales agents father. We go to the office in the back where he is located and he had the paperwork sitting out and before sitting down was holding two pens out and said here sign here, I stated just a second sir I would like to double check that the salesman told me he would look into about the car. He stated it was under warranty and was a Certified Like New Vehicle that it had underwent XXXX 100 or 200 or 300 point inspection i don't recall the exact number he used, that the vehicle had remote start, a vehicle app that you can track the car at all times for security and peace of mind, had a package for free services up to and including the XXXX miles, while showing me the car fax i remember he had kept it in his hand had several papers in his had was flipping through showed me the XXXX where the vehicle was one owner, clear title, never wrecked, with the top part covered by some other paperwork in his hand, free trial of XXXX XXXX XXXX, and that the vehicle only had the one key fob, that he thought there was two and if not he would get us one plus have the car detailed, washed, topped off, bc it was E with about 15 miles to empty as he stated one of the reps were using it to drive to and from work.. The Manager/Owner asked the other rep to check on it as i stated i would like to know how the process is going to go bc I've never done this before. He asked to see the check and stated you will be giving me this and signing this paper then ill give you a packet that you will be taking back to the location of your Loan company where we will when it comes in be sending the title to them, we will call you when the license plate comes in to put it on. Then the rep came back in confirmed what the salesman the day before stated that it did have those items and they would be getting me the other key. We signed one paper then I handed the check i stated is that all and the manager/owner said no im putting this together for you and a copy for my cosigner and a copy for the loan company with that will be their paperwork as well. They had also told XXXX as this was the fourth time within three months bought or brought in someone to sell a total of four vehicles including mine that they would be making she he got some kind of points or credit or something i guess they offer for a situation like that. Which i do believe he never received. They handed us the paperwork, the one key, and as we walked back out to the front entrance i remembered and stated could i get a copy of the XXXX as i had never had a vehicle that had always been so detailed with services, He stated sure we are waiting for them to bring the car around right now for you actually come with me ill grab that off his desk for you. I followed the rep to the rep 's office from the day before, as he grabbed the paper from the customers side of the desk i could see through the conjoining window. with two maybe three steps more i rounded the corner as he said theres the first sheet im looking for the rest of it ... then said well let me check with the finance manager and have him print you the other pages. I stated oh he only showed me the one yesterday. He came back out of the finance office pointed to my car out the front window walked around me and grabbed the key from the gentleman walking in turned and said here you go i hope you do enjoy it. Handing me the paperwork as well and as i fumbled with them my Cosigner grabbed them from me as we headed out the door telling me to meet him over at the Loan Company. We got there walked through the door and she said it is a beautiful car as she went to take photos i do believe. She returned and my cosigner handed her the paperwork. And she said thank you and he stood up i was like is that it she said that was it. Not to forget as i hadnt opened the email still to open those by end of the day and sign them. The second Lady that set up the account apparently as we were told a week later from the manager at the time, did not put in the cosigners second job. As the loan should not have been approved she stated without that information in there. Then we took that paperwork up there three times, to still a fourth time get a call about we needed to bring it up there again. We told them no that was enough times as the loan was already approved and we had the vehicle. Upon leaving the dealership parking lot the volume knob fell off into my hand before pulling onto the street i stopped and went to turn around as XXXX took off and a truck pulled up behind me so i said to myself ill bring it back later today. Then realizing i had a quarter of a tank of fuel and thought really. Since then I found out that the car didn't have remote start, no tracking that was only something police could do in the event it was stolen, half the apps he said wouldn't work with the year model it was that was for the XXXX and up, it had been wrecked, and the damaged wheels and windshield replaced per the XXXX, yet they had it listed it hadn't been, and had a clean title. It was in the TDI Settlement per the VIN Number of my vehicle and the NFTHS or however the order goes. Where in the court paperwork of the docket from the case notes stated the judge deemed the cars under Texas law to be Lemons i do recall it saying I haven't looked at those papers in over a year but i do have them stored one of my accounts. I've tried to talk to the dealership as they never got me another key fob, said " ehhhh '' shrugging their shoulders as i talked with them about me stating to the original sales rep that a week after I bought the car had quit told me it had remote start and then stated they wouldn't be getting me another fob they don't know why he told me that I said probably why he isn't there anymore and the rep said yeah pretty much. I had not ever found my paperwork they handed me and my cosigner didnt know what he had done with it so while there talkng with thema sked for a copy of it all again so i could have it for my records. he then handed me not a copy of the signed paperwork but kept the copy from the printer for himself and handed me the colored sheet pink i think it was, meaning when i found mine and the cosigners and got the one from the loan company which they gave me the top carbon copy keeping the printed copy for their self that meant i now have all the original " signed '' carbon copies. The carbon copies none of the three top copies did anyone at the dealership sign nor had they signed the bottom copy they had before we did as he stated he woudl have XXXX sign it tomorrow when he came in. There was also with the paperwork from he dealership that he gave me extra when giving me the copies i requested adn from the loan company i hadnt seen and it was the title information for the vehicle which was forged and was not either of mine or the cosigners signature in which i have scanned and can provied upon request where you will also see no signature on either paper carbon copy they sent us with making it now no longer legal documents either end or either way you look at it. I then after being upset at all of this and fighting with the XXXX XXXX and XXXX XXXX and XXXX went back to the dealership and let them know what was going on i was upset and what legally i could do. They stated the owner had left for the day stated they understood my frustration and continued to then print out the paperword for me on the TDI Settlement and told me that the XXXX dealership lied that he personally sold the previous owner a new truck with the car being a trade in on it after getting the money from the settlement.,. as the Nearest XXXX dealer in XXXX Tx Told me that the car was supposed to be sent back to the Manufacture and they didnt know how i had got it last the sales maanger knew the car was sitting out there in the parking lot tires low from sitting for awhile as i was in there to complain about several things including the tires being weather worn entirely bad and a defect in them causing them to wear away a certain way, There is so much more about the XXXX XXXX and the last dealership XXXX XXXX that its unreal how many times i have tried to get this all squared away. Im fed up with the circles and being lied to.
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| 11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR SPRINGLEAF CONSUMER THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME.
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers.
XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXXS Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously.
XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXXS website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
SPRINGLEAF CONSUMER is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that SPRINGLEAF CONSUMER is the one responsible for removing this information from my credit report. As it currently stands XXXX nor SPRINGLEAF CONSUMER has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by SPRINGLEAF CONSUMER and are being reported by XXXX.
Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.
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| 04/16/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : Onemain This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.
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| 02/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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Ive, as an authorized 3rd party to the borrower, tried for 6 months or longer to get access to my online account to view my account history as I disputed the amount lender said I owed. To this date, I still dont have access. I talked with many reps but this one in customer care was far more than rude and didnt know her job or information to present to me correctly. She asked me to sign into a computer instead of on my mobile device. I did this but told her Ive already tried this but still got the same error. She said she was a different agent and just do what she said. I did, I still got same error. She was rude in continuing to ask me what error do I have, what am I doing or where am I at. All the time I was trying to sign into my email then my account. I told her the error and she said she cant help me unless I tell her the error Im getting. I told her at the time she asked, I didnt have an error message but as soon as I did, I let her know. She said well you didnt tell me the error. She was very rude and arrogant. She was pushy, overbearing and Ive never felt so mistreated. She then said she couldnt speak to me about this account because Im not the borrower and asked to speak with my husband ( the borrower ). He spoke to her as we were on speaker phone. She proceeded to bash me to my husband by saying I was getting upset of which I was because of her evil treatment toward me, and I spoke up and told her to proceed. She wouldnt or couldnt ( due to lack of knowledge ) and insisted on bashing me. My husband doesnt know much about computers or online access so I was trying to assist fun with his approval. Lender has discussed his account with me in detail throughout the duration of this loan but all of a sudden she cant discuss an online access problem because Im not the borrower? This seems sketchy to me! I followed the steps she instructed & still got the same error as Ive gotten the last 6 months or longer. Ive also been told we never signed up for online access but Rep informed me we did and she was going to delete that account access and asked me to set up a different one with different email address associated with the loan account. I did this & still got the same error. Instead of assisting me, she put me on hold for several minutes so I hung up and called right back but got a recording saying they were closed. I called another number and spoke with a very nice lady who mentioned she didnt know why XXXX told me she couldnt discuss the account because Im not the borrower. She saw where Im an authorized 3rd party. She took my complaint as well as gave me XXXX supervisors name. For some unknown reason Lender doesnt want us to have online access to our account history. In the past we have done ONE month deferments because we paid every 2 weeks instead of once a month at the beginning of this loan. So, if we signed for 1 month deferment thats what it was ONE MONTH of skipping a payment. In XXXX, we were offered a TWO Month deferment and assumed we would skip TWO MONTHS worth of payments. Nope, they tried to repo my vehicle and threatened me like I was a convict undeserving of assistance in a respectful, humanly manner! I cant get anywhere with this company! Ive had maybe 2-3 very nice reps but the majority are very rude, arrogant who talk down to customers leaving them feeling helpless, hopeless & not worthy of their time or assistance. I complained to XXXX and Lender sent all of my Loan docs which contains all my personal information to complete strangers ( XXXX ) without my consent but this one rep claims she cant discuss with me with my husband ( the borrower ) present on speaker phone. I feel my privacy has been violated, bullied & shamed for no reason. Will someone please help me resolve these many issues so I may sign into my account online and make my payments & view my account history? Thats all Ive been asking and I cant seem to achieve my requests. Im frustrated, mad & feel Lender has me in a corner of which I cant seem to escape. Thank you in advance for your assistance on this matter.
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| 03/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I applied for and prequailified a loan with OneMain Financial on XX/XX/20. I worked directly with a local office via phone. The local office asked me a series of questions, ran my credit and shortly thereafter called me back with 3 different offers and then told me to upload necessary documents like my paycheck stubs, and identity information, I uploaded those documents and then got a call from the office saying they were confused because my check stubs say that my boss is not paying my taxes, I said well to be clear I pay my taxes and so do you, we all pay our taxes, but your correct my boss does not take out taxes I am a 1099 employee, she said well I really don't know much about this please upload 18 more documents all around 6 pages per document. So I spent the day doing so. I then got a call the next day saying that they were wrong in saying that I qualify for a loan and that if my boss took out my taxes for me then I would have qualified. I told her that was very concerning and deceptive because my credit rating did not change from the day before when I qualified, my employment status had not changed since the day before when I qualified, my finances and income had not changed since the day before when I qualified, why does it matter who gives my taxes to the government? Whether I give the same money to the government or whether the company that I work for gives the same money to the government whats the difference? I work 40 hours a week minimum for the company that I work for, I work from XXXX like many other people do and I have multiple sources of income. The company that I work for and I have an agreement that I was retained at no less than 40 hours per week so the employment security is there probably more so than a staff employee. I am tired of lending company 's making those of us that are 1099 feel dirty and gritty just because of who sends our taxes to the IRS - the woman that I worked with had the audacity to say well I am sure there are other perks to being a 1099 - I wanted to say like what lady? Is that my consolation prize because I put the stamp on the envelope to the IRS vs a staff employee who lets their HR department put the stamp on the envelope to the IRS? She then alluded it's due to the government, wait what???? The government holds down 1099 XXXX XXXX and favors those slaves that work for large corporations?? I literally have to be a slave W2 staff employee or the government says that I am not worthy enough for a personal loan?? Yesterday with the same income, same credit, same job, I qualified for a {$12000.00} personal loan but today I don't because of who send my taxes off to the IRS? She said yes thats our deciding factor. I expressed how alarming and concerning that deciding factor is because that does not sound at all by letter of the law, the day before with no changes to their list of qualification I qualified at no time did anyone ask me who sends my taxes off to the IRS this was never a qualifying question in the application process and now I have taken a ding to my credit because you ran my credit fully knowing that one of your unspoken unasked qualifies was who send my taxes tot he IRS, the company that I work for or me, wouldn't that have been something that you should have asked me before you ran my credit and made me an offer? I pay the same amount of taxes as a 1099 or a W2, I work from XXXX, from XXXX XXXX so there is no difference who sends my taxes to the IRS She did not have an answer and I ended the call.
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| 05/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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OneMain Financial is by far the worst company to deal with and try to resolve your account. Absolutely horrible experience in the last month in a half. I started trying to resolve this account on XX/XX/XXXX. I spoke with several people that all gave different information regarding my account. One young man set up modification payment and wasnt suppose to so another agent had to cancel future payments. Meaning I paid money towards modification that I wasnt supposed to do. So between XX/XX/XXXX and XX/XX/XXXX i paid {$1900.00} to try and bring the account current that was showing me a balance of XXXX. I asked about settling since I paid so much and the agent said I should have said that at the beginning of the call. No the agent should have discussed all payment options that I had. At this time I asked about updating my credit report because they had not updated it since XX/XX/XXXX and the other credit bureau had XX/XX/XXXX. My last payment I made in XXXX was in XXXX. Nothing was updated. After my XX/XX/XXXX payments nothing was updated with the credit bureau. I spoke to a supervisor about my account showing past due for XXXX when I asked the agent on XX/XX/XXXX when was my next payment due and she said XXXX. She sent me a letter stating my account was current. The supervisor I spoke with XXXX gave me his number and said he'll research and send my info to the correct department and he'll make sure its handled. I called him back two days later because I hadn't heard anything after he said I should hear something the next day. I'm still waiting on XX/XX/XXXX for a response. I also spoke with someone in the credit reporting department and she told me my account would not be updated with the credit bureaus until after 2 weeks into the month of XXXX which is false information. The people so far in this complaint are all at an Arizona location. So I reached out to the corporate office the lady informed me that credit reporting should be updated by XX/XX/XXXX. Not the same info the last lady gave me. I reached out to corporate because I had been waiting on a settlement letter to be emailed and mailed out to me on XX/XX/XXXX. Never received the email or letter by Tuesday of the following week. Finally after reaching out an email was sent to me. I spoke to XXXX in the Executive Office of Customer Care and filed a complaint about everything I had experienced. She told me on Tuesday, XX/XX/XXXX she would look into my complaint. I called back on Friday, XX/XX/XXXX she still hadn't looked into my complaint. Before speaking with her I paid my settlement and asked to speak to someone in the credit reporting department so i can get my report updated with correct info. They gave me XXXX 's number. She informs me that it takes 30 days to update the credit bureaus but I had already been told that they update at the end of each month. OneMain has been very uncooperative with me trying to pay out my account and get the correct info on my credit report. I asked them to remove this account or all the negative reporting since they clearly haven't been reporting anyway since XX/XX/XXXX. But now they cant or won't update my credit report to show accurate info in a timely manner. They are very unprofessional one agent told me he knew what he was doing because he has worked for OneMain for several years. I just want this company removed from my credit report.
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| 01/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I opened a loan with One Main Financial on XX/XX/XXXX. The loan officer misrepresented prepayment terms to me in order to coerce me into putting up my automobile as collateral. She convinced me to leave my 8 % auto loan with XXXX to reduce a cash loan with One Main from 35 % to 17.09 %, if I used the car as collateral. I stated it didn't make sense to me to do that and she told me if I did, I could refinance the car and call One Main for the auto pay off total and that way keep 17 % on the remaining balance instead of 35 %. I did this because she showed me the no pre-payment penalty clause. Two or three months after I signed the loan, I called to do this and another representative told me this was not possible. I was very angry and submitted a complaint to the OCCC in the State of TX to file a complaint against this fraud. One Main responded and agreed to reduce my interest from 17.09 % to 8 % because of the situation on XX/XX/XXXX. Since that date, One Main has refused to provide me an updated loan agreement and disclosure form as required by TILA. I spoke to a representative at One Main on the telephone on XX/XX/XXXX who confirmed my rate was not 8 % but 17.09 %. In a letter from the One Main Executive Office of Customer Care dated XX/XX/XXXX, they claim this was " misinformation, '' however, I continue to be usuriously charged. My payments continue to be the same at 8 % as they were at 17.09 %. These payments were calculated at 17.09 % and if they were correctly calculated at 8 % should be significantly less. I do not understand, nor do I have evidence by One Main, of what I am actually paying after this reduction. I am paying because of fear One Main will penalize me through default, collection actions, and/or negative credit reporting despite refusing to provide me updated terms and breakdowns and relying only on communications. Also, the original payment schedule on page one ( 1 ) of the One Main contracts directly contradicts itself in a subsequent extrapolation on page four ( 4 ), in the section entitled INTEREST BEARING LOAN, which states that the interest charged to the consumer is based against unpaid, principal balance. As a consumer, I interpret this to mean as I pay my loan, my principal balance decreases and each month. Therefore, as a consumer, I interpret that that my minimum payment should decrease monthly as my unpaid, principal balance also decreases. My payments were calculated, and remain calculated, according to the original term agreement and cash advance amount of {$34000.00} at 17.09 %. This repayment schedule was arrived at through a one-time, calculated lumped interest payment of {$18000.00} ( added to principal for a total payment of {$52000.00} ) divided across 66 months. It is not calculated against any decreasing unpaid, principal balance, which is a misrepresentation within the language of the origination contract. Again, I can not confirm my actual payment due based on 8 % interest as One Main refuses to provide updated contract terms and disclosures.
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| 06/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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HARDSHIP DUE TO COVID 19 -- -- - I reached out immediately by phone the main number on the website the local office in XXXX DE and the corporate office by phone left several messages by email and One main online portal the end of XXXX beginning of XX/XX/2020 when the state ordered emergency shut down for Delaware state thePandemic - Covid 19 crisis. I explained by phone and email letting One Main know my situation and in detail the emergency shut down of the company I worked for. The building we worked in another office on the 3rd floor an employee tested positive for Covid 19 virus. An immediate shut down without notice had to be done. XXXX XXXX a rude and unsympathetic individual representative at the XXXX location finally I was able to speak to someone after days of and weeks of being transferred to voice mails and emailing corporate and no response back either. ( Please feel free to track emails and retrieve voice mail messages and call logs how many times I called in since he state shut down ) I left messages at the bear location. At the time of me not reaching any one I went on One main payment portal choosing they option I could not make a payment. The system accepted. One main went ahead and still debited a payment out of my bank account when I had arranged not to on there online portal.When I called the office XXXX XXXX asking why a payment was debited he replied with his response O NOW U CALL? Very unprofessional and argumentative! I explained I reached out several times and he insinuated I did not and basically called me a lair. I advised him to listen to voice mails at the office and view my online profile portal. I had also mentioned to him I have SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE a benefit I signed agreed to and paid into why is it that it has not been applied to my account I questioned why has this not been applied to my account to protect me from involuntary no employment due to the emergency crisis state shut down. I can not control what has happened. This SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE I mentioned this to XXXX he had no comment. He sent me away to reach out to corporate office. Why offer me insurance when it has not protected me??????? Useless or should I say overlooked could care less??? Make it worse I have paid for this its not FREE!!! To make things worse One main has sent this to the credit bureaus. Unfortunately my struggle is real. I am a single parent with no help. I have no money no income and I have tried for weeks to get on the online unemployment system and its been a nigh mare. My loan was paid on time I had not defaulted til this pandemic crisis effected millions of us and I am one of them. My credit has been ruined to something I have no control over and late fees interest are being applied and my SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE being ignored and not applied to my account.
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| 03/05/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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I took 2 predatory title loans out, both with the same company, OneMain Financial. The first loan was for approx. {$2000.00}. On my credit report, my first loan with OneMain opened XX/XX/XXXX. I paid about half ( {$1000.00} ) off, and then I needed money again, and they had been urging me to take another loan out, so I did, taking another {$1000.00} out. They had always been super nice to me, and I was good about keeping my payments on time. I took the second loan ( according to my credit report ) on XX/XX/XXXX. Looking at my credit report, they wrote the first loan off as the second loan would be a refinance since I still had an amount of XXXX still to pay. Everything was pretty good until I started to run into financial hardship, with my son being XXXX XXXX XXXX XXXX which then took money away from me in XXXX XXXX. I suddenly could only afford basic things on my fixed social security income. That is when OneMain got really irrational, and then they started to call me multiple times a day and essentially harass me to pay back my debt. I told them multiple times that I could not make my payments anymore, and told them to repossess my car. I had a second car, so it didn't really matter. They kept on harassing me and harassing me until about XX/XX/XXXX. They would call as early as XXXX, and then as late as XXXX. They always harassed me by saying that if that I got my car repossessed ( like my wishes ) that it would destroy my credit. On the last few calls, they started to threaten legal actions ( civil lawsuit ) and that they would have the ability to garnish what little I already have. They finally stopped calling, like I said, in XX/XX/XXXX, to only find out that my account is closed apparently. I don't exactly know what this means, as they did send notification of that they were closing my account, I didn't know what they exactly did, until about a few months ago, when I looked harder at my credit reports, and OneMain closed the account with the remark " purchased by another lender ''. No other lender, or anyone, has notified me about my status. Now, I am trying to get rid of the car that has the lien on it, and I am trying to see who has the title, and my state BMV says that OneMain still has the title as a lienholder, even though my credit report says that they sold my account to another lender, and then OneMain also has closed my account clearly with them. No other lenders are showing on my credit report, only the ones that I know of. I am really confused, and when I try to access my online account with OneMain, they also say that I don't have any accounts with them. I don't know who to contact, and also I don't know how much my loan was sold for, or really anything.
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| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.
Here are three reasons why I`m sending this.
Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law.
Second, the item in question can not be authenticated to be certified under testimony to be true and accurate.
Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. XXXX reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. XXXX reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation.
Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time?????????
Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court.
Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation.
Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.
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| 01/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Tennessee XXXX Acct # XXXX OneMain Financial XXXX XXXX XXXX XXXX XXXX, TX XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process.
I am distressed that you have reported multiple hard credit inquires to my XXXX credit report when it was communicated to me by your representatives that OneMain Financial offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had loan from OneMain Financial that any additional loan inquires would only be soft inquires.
There should be only one hard inquiry on my credit reports for OneMain Financial. As it stands today my XXXX credit report shows a total of FIVE hard inquiries from OneMain Financial which negatively impacts my credit rating. This is especially distressing because I was a great customer, always made my loan payments on time and even paid off my loan in full early. I did this thinking that OneMain Financial would definitely see me as a great customer if ever I needed to get a loan in the future ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score.
Therefore I contend that OneMain Financials processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that OneMain should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that all credit reporting benefits of obtaining and properly paying on a OneMain Financial loan would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all.
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
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| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.
Here are three reasons why I`m sending this.
Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law.
Second, the item in question can not be authenticated to be certified under testimony to be true and accurate.
Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX account type as derogatory, XXXX account status as paid, and XXXX account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX reporting payment status as collection/charge off, XXXX payment status reporting current, and XXXX payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court.
Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account.
Please note, I have enclosed a screenshot of my current credit report as proof. Please review.
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| 03/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/XXXX, I received a call from XXXX at One Main Financial offering a pre-approval in the amount {$1900.00}. She obtain information and had me unlock my credit report. Then scheduled me to come in at XXXX XXXX to close. When I arrived at the office, she stated that she forgot to send something for verification and advise that I was pre-approved for {$15000.00} which would pay off my existing loan first. Ask if I wanted that amount and agree to the monthly payments of approximately {$600.00}. I agreed, and she came back to say she was just waiting for a verification then she would schedule me again to close. At XXXX XXXX she called and scheduled me to come back at XXXX XXXX to close. After waiting 30 minutes, the manager stated that underwriting is requesting a XXXX copy of my social security card because of the credit alert on my credit report. She advised that underwriting was closed so she would have to call me tomorrow. On XX/XX/XXXX XXXX advised that they would only accept a color copy of my social security. On XX/XX/XXXX, I submitted a request to XXXX via email asking that they accept my W2, IRS PIN letter, and passport to confirm my identity. I also submitted a complaint to their customer service line. On XX/XX/XXXX, XXXX finally called me back and stated that they agreed to accept those items. On XX/XX/XXXX, XXXX called to state that they were unable to proceed with the application because they were unable to verify my income. I submitted my most recent pay stub, and my XXXX W2. They did not request any additional items. Income verification is the easiest part of this process. I could have provided bank statement and given them by HR company contact information. She refuse to provide any additional information and stated that I would receive a letter. This feels like discrimination. It was my understanding that they simply need to verify my identity because of the credit alert. BTW ... They required none of this for the original loan, and my credit alert was on my account then as well.
|
| 06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have an account with OneMain.
I fell behind on this account. The company called me at work and at home. They harrassed me. I asked them finally to stop calling.
I resumed paying this account in XXXX. I have made payments in XXXX and XXXX.
In XXXX, I called the company. I spoke to a representative in the credit department at the company. I apologized for my loan being late. I told her that I was making regular payments. I asked the person if my credit report would be updated.. The person thanked me, said that she understood, and informed me that my report would be updated by the company to reflect the payments coming in.
Instead, the company charged my loan off as a bad debt. I made another payment in XXXX and noticed no update to my report, until a review by me indentified the charge off.
The company 's credit department refused to work with me. The explained that changing the report would be " dishonest '' even though I called them and started making payment again before the charge off.
This is very bad business practice. I am asking for the company to change my report back to show that this account was behind, and that I am now making payments. The " charge-off '' should be removed from my credit report. As it stands, the only way I can rectify this matter now is to pay the loan in full which will cause me significant hardship.
What is troubling is that I received two different responses. I was never told by the company when I phoned in XXXX that my debt would be charged off. I was thanked for resuming payments and for wanting to work this loan out. Now, when I call again, I am told something completely different. I accept responsibility for this. I made an attempt to resolve. That attempt was received. The company arbitrarily changed its stance and has taken a position now that has done me harm.
I continue to make monthly payments to OneMain. My next payment is on XX/XX/XXXX.
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| 02/24/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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About 4 months ago I put my house up for sell I've owned for 20 years, and my title and escrow company advised me ( when I had a buyer, who backed out by the way ) that that creditor and/or it's 3rd party lawyer group by the name " XXXX XXXX '' has a lien on my property and their demand is for XXXX dollars! This can't be legal and they have cost me several buyers to come and go, not to mention putting me now into foreclosure, two modification processes through mortgage company, stress and severe hardship, and more! All the while before all of this I attempted contact just to try and verify or correct any wrong information about this creditor and they have ignored me completely making it impossible to remove the lien and continue with what has been a very important attempt to sell my property for personal and financial reasons! I had also contacted " American General Financial '' a lender that 14 years ago, I had a loan of only XXXX with XXXX down on a tou hauler and 9 out of the 12 months of payments. I voluntarily repoed a toy hauler to after having for only one year and they auctioned off a month or so later and sent a letter saying so and the auction price was for an additional XXXX on top of what I had paid. So by XXXX they said they had no record of me whatsoever, and also their name had changed and was no longer American General Finance. So this bogus lien, and an amount I've never borrowed is completely wrong and insane! So of course there was no way I could help myself finacially or benefit with an amount like XXXX ( as far as I was lead to believe anyway ) coming out of my potential equity of sell. This has to be illegal and I hope to hear that I can sue them for the insane hardship, financial burden, loss, major stress, etc they have and are still are putting me through!
I will send Title company info below etc. Please help!? Thank you, XXXX XXXX
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| 01/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I was approached by One Main Financial after completing an online application. I was told i was approved for {$6200.00} installment personal loan or {$11000.00} for a secured loan ( using my car ) i provided all documentation asked for right away. I was called at the end of the day and told that is was approved for the above amounts but my credit report had verbiage on the loan i was trying to refinance as a student loan. i called the company ( XXXX XXXX ) and sent documentation to show it was not a student loan. I was then told it was accepted with the same amounts but they were going to ask the underwriter if they could {$10000.00} to pay off a few more items but i was approved for the above loan. Two days later i called for status and was told the loan amount was reduced to {$3600.00} due to income. So i said ok to go forward and then she paused for a few seconds as if she wasn't expecting me to agree with it and then said sorry your not approved for any loan at this time enen though 5 seconds earlier she said i was. They tried to blame my income but just 5 minuets before i agreed my income was not an issue. The income I am referring to is from my second job with XXXX where i take in approx XXXX a month. I provided proof of that however i am told I am wrong and that i only take in XXXX a year. Not true. There are no expenses i pay for other then XXXX. For tax purposed we add in XXXX and XXXX amounts paid but only for tax purposes it does not reflect actual income. Any underwriter who worked with income knows that what is on taxes is a limited picture of actual. I provided that actual pay report of what i take home weekly but they refused to look at it. I feel i was discriminated agents for being a XXXX. as they indicated that XXXX dont make money. Not true. That is judgement on their part.
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| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, XXXX, & One Main. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.
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| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This company, One Main Financial is reporting inaccurate information to the credit reporting agencies. I asked them to investigate and send me proof in accordance of the FCBA I asked them to show me proof of what they are reporting, a signed contract, statements and a detailed billing histories. I sent the first validation request on XX/XX/XXXX and they did not respond at all. I sent another validation demand on XX/XX/XXXX and got a letter from them stating that they believe the reporting is accurate and will not investigate it any longer without sending me any of the proof that is required by Federal Law including a contract, statement or detailed billing history. So, I sent them another demand on XX/XX/XXXX asking them for their response but letting them know I wanted proof in accordance with the FCBA of their reporting of this account and again asked for a contract, statements or a detailed billing history. They did not respond within 45 days of that letter and continue to report inaccurate information on my credit report. The date open is different on all three bureaus, the date last reported is different on all three bureaus, the date of last activity is inaccurate and completely different on all three bureaus, The payment history is different on all three bureaus. On XX/XX/XXXX I sent them another letter demanding the account be deleted because they did not comply with the Federal Law ( FCBA ) by not sending the required documentation by law, the contract, statements or detailed billing histories and they STILL are reporting inaccurate and incomplete information that can not be verified. I would them to comply with the Federal Law which they have not several times otherwise delete this erroneous information from my credit report immediately.
|
| 04/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
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Web |
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The OneMain loan is a predatory loan for the following reasons I will document below : - 69.2 % of my monthly payment is applied towards interests on the loan.
- My average monthly payment is XXXX and XXXX is applied to the principal balance.
- I contacted OneMain on multiple occasions to request a copy of my promissory note to understand why the bulk of my payment was applied to interest instead of the principal balance. XX/XX/XXXX, I emailed the company to document my attempt to understand what fees I am paying because the agents were not helpful via phone. I received a response back on XX/XX/XXXX stating [ my ] local OneMain branch is best equipped to work with your specific needs and answer any questions [ I ] may have.
- The branch called me during the workday and I missed their call. Each followup attempt I made to return their call was unsuccessful.
- The company ONLY stores 12 recent billing statements on its website - My balance in XX/XX/XXXX was XXXX. To date, XX/XX/XXXX, my balance is XXXX. I have made 13 payments since XX/XX/XXXX totaling XXXX yet only XXXX have been applied to my principal balance.
- It is frustrating and quite disheartening to deal with a company with such predatory practices. There should be better laws in place to protect consumers against companies that make it difficult to find disclosure information related to one 's loan, associated fees, and the interest rate. They do not share information about a consumer 's account with the consumer unless you physically visit a branch which is unbelievable in the year XXXX.
- I sent another email on XX/XX/XXXX, to request my payoff amount and I will request a copy of my promissory note ... again. I would like an email with this information sent to me NOT a phone call.
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| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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One XX/XX/XXXX, I spoke with XXXX XXXX of OneMain Financial about refinancing my existing loan account with his office. As someone with an impeccable payment history as a OneMain customer since XX/XX/XXXX, I had no reason to believe a " hard '' inquiry would be done into my XXXX and XXXX credit files nor did he make it clear to me that he was going to do so. In a recent review of my various credit reports, I noted that against my wishes and knowledge, on XX/XX/XXXX OneMain Financial did in fact make " hard '' inquiries into both of my files on XX/XX/XXXX. Earlier this week, I spoke with XXXX XXXX, my local OneMain Financial Branch Manager about this and he acknowledged the " misunderstanding '' and agreed to get the inquiries removed, once I faxed a formal request for this to his corporate offices, something I had already done several days before. When I called the corporate offices today, XX/XX/XXXX, to follow up on my request for deletion of the improper inquiries, I spoke with an extremely arrogant, condescending, bureaucrat of a woman who spoke very quickly and failed to provide her name to me clearly. While acknowledging that there had been numerous issues with OneMain branch offices giving out misleading information about " hard '' vs " soft '' inquiries to exsting OneMain customers, she stated that unless the inquiries were done fraudulently, OneMain was unwilling to delete them as a matter of corporate policy. Frankly, I know this is NOT the case as when I originally applied for my loan with OneMain Financial in XXXX of XXXX, numerous inquiries were made into my same credit files over two days and when I complained about this, the multiple inquiries were in fact deleted!
|
| 04/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
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Web |
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I became involuntarily unemployed on XX/XX/XXXX, approximately 2 werks after finalizing and receiving a personal loan. I did not anticipate being unemployed for very long so I did not file for unemployment until XX/XX/XXXX. I prepaid a couple payments with money that I had saved and from cashing out my for 401K.
By XXXX I realized I would not be going back to work any time soon. I then applied for the unemployment protection that I had purchased on the personal loan. I was notified that they paid one payment, refunded {$180.00} but I received no phone call or letter explaining anything from One Main or the insurance company they use.
BUT On Friday the XXXX of XXXX I called at approximately XXXX XXXX and left a voicemail about the continuing claim. At approximately XXXX XXXX XXXX XXXX, the office manager in the XXXX office of One Main Financial, called me back but apparently hadn't listened to the voicemail. However she informed me that the insurance company cancelled my coverage and refunded the balance of my premium after making XXXX 's payment.
But XXXX did let me know they have a new program because of the Covid-19 situation to help their customers.
All you have to do is run ANOTHER credit application and credit check to be approved for a temporary lower payment that COULD be as low as {$85.00} a month. On a temporary basis.
So the only way they found to help customers is to try to force them into doing another credit application so they can maintain their sales quotas during this pandemic.
This is unethical and taking advantage of people during a crisis.
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| 02/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
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Web |
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I applied for the secured loan via website. After putting my income in the company pre approved me for a secured loan up to {$10000.00}. I then submitted my income and buyer order for the vehicle. The branch manager submitted my docs to underwriting and first contact was to ask for my last paystub of XXXX. This was not a reflection of my current income and I let them know that. I then provided them proof of my overtime allowance ( stub from XX/XX/XXXX ) and also proof of my wage increase. The next contact with XXXX the branch manager stated that they would not credit me for all my earned wages, and that they would approve me for a {$4000.00} loan based on income they calculated. I did the math and they were taking my income from the previous year, and not my current wages. From XX/XX/XXXX through XX/XX/XXXX I took home net pay of {$7000.00}, that would be a projected net income of {$84000.00} for XXXX. Instead XXXX the DM, and XXXX used old paystubs to determine a net monthy income of {$3500.00}. They said they needed an exception to give me credit for all my earned monthly wages in XXXX. I provided all that they asked and my income is in black and white, along with updates to something I was not responsible for on my credit report. One Main chose to make thier own figure up, count retroactive pay, and not give me credit for earned wages. Furthermore they denied my application, after XXXX the branch manager told me I was approved for a lesser amount. They manipulated my income, changed terms mid deal, and provided no reason for discounting my earned income.
|
| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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Due to the Coronavirus, I have not been able to stay on top of all my bills. I make sure that my mortgage and utilities are paid, that is a given. But for a company called One-Main Financial has been harassing me on my debt which I have been paying at a very high interest. I agreed to pay 70 % of the payment last month and then this month they wanted the whole thing, which I was unable to do. I gave them again 70 % of the payment and they will not quit calling me to question on why I am not paying. What I get is " You said you would pay the full amount on the XXXX of this month, last month '' I said yes, until the virus caused a shut down on everyone and now we are all unemployed '' She went on to say " You said you would pay on the XXXX!!! '' I told her that I couldn't and would try on the XXXX. I also told her how rude she was being and I was tired of her calling and harassing me during this time. Today is the XXXX and I did not have enough for the full payment of {$540.00}. But I paid {$270.00} again. They are now blowing up my phone again. I am at least making an attempt and since they are not making their interest that is 25 % I assume this is why they are freaking out and harassing me.
What rights do we have at this time during this epidemic? I live in Washington State. Not sure if laws are different regarding creditors collecting per state. I would have this conversation with One-main myself, but the female I seem to always gets is extremely rude and speaks to me as if trying to intimidate and or try and scare me to pay.
|
| 02/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I took a secured loan with OneMain Financial in XXXX, Nevada on XX/XX/2019. My vehicle was used to secure the loan. I was to receive a loan for {$10000.00}. The funds were to be deposited in my checking account the following day. When the funds were deposited I saw the deposit was for {$8800.00}. I called the OneMain office and was told that a loan origination fee for {$1200.00} had been deducted from the loan proceeds, for a whopping 13.79 % fee up front, on top of the 30 % interest rate.
When completing the loan documents in their office it was all done electronically, no ink signatures. Simply put the OneMain attendant briefly reviewed the documents on a computer screen, and would advance from document to document. I would not have ever approved an outrageous {$1200.00} loan origination fee on a $ XXXX loan! Either that document wasn't there, or just as likely the attendant just advanced right by that document. OneMain never gave me any documents until I called them to complain, and the electronically signed documents were overnighted to me the next day. The are in violation of Nevada NRS 675.360.1 as applies to loan origination documents.
I sent a registered letter of complaint to OneMain 's corporate office at XXXX. XXXX XXXX, XXXX OH, XXXX on XX/XX/. I received a call from their corporate office approximately a week later, they apologized for the confusion, and failure to provide me the loan documents, but they had no plans to waive the loan origination fee.
|
| 03/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
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Web |
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My husband has a title loan with One Main Financial. I am not on the loan account. My husband was in the hospital from XX/XX/XXXX through XXXX XXXX. While he was in the hospital our family had NO income. He had originally authorized automatic payments to be deducted from our joint checking account to pay this loan each month. Since our family could not pay the loan in XXXX i called One Main to explain the situation. They would not allow me to stop the automatic payment because i am not on the loan account. I called the CFPB and spoke with a woman who advised I write to One Main revoking authorization to take the payment out of our joint bank account. I wrote an email on XX/XX/XXXX but it was not 3 business days ahead of the withdrawal, and they took the money out of our account. Our checking account had a negative balance for 4 weeks after this. One Main did not deduct the payment for XXXX, however they did deduct the payment for XXXX. I called and spoke with someone in the One Main office who stated that my email was not received, then he said that it was only effective for one month, then he stated that my husband gave authorization to take payments out again, which he DID NOT. My email stated " As of today I am revoking authorization to take automatic payments out of our 'bank name ' account on file. '' So now they withdrew every dollar in our account and I have no money to feed our XXXX children until our next paycheck in a week.
|
| 12/13/2019 |
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
|
|
Web |
|
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On XX/XX/2019. I received a call from Springleaf financial and was advised that I had a past due payment. I thought they were referring to the payment that was due on XX/XX/2019. The representative that I spoke to advised me that I had a payment shortage from what was due for XXXX of an estimated amount of {$23.00}. I informed the rep. That I was under the impression that the payment I made on XXXX was to take care of my XXXX payment ( 2 payments were made ). The representative advise me that it did go partially to the XXXX payment but the {$23.00} dollars was still outstanding and now the account was over 30 days past due. When I asked why I was not notified at any time about the delinquency I was advised that their primary job is to close docs on loans, not follow up on loan payments. I advise I did not get an email, or a letter either. The rep was unable to explain or give a reason aside from the fact that they did not have time to call people.This 30 day reporting should not be reported. I was not given the proper information about the remaining amount of money due for XXXX. When I authorized the rep to pay an additional payment I was never told another payment would still be due for XXXX.They waited until the account was over 30 days past due to inform me of a delinquency, despite my efforts to avoid such a thing. when I was called in XXXX to ensure XXXX was paid in advance. The contact number for the company is XXXX.
|
| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
My XXXX year old mother ( I am her daughter with a durable power of attorney that covers heal and finances ) took out a vehicle loan with One Main Financial last XXXX ( 2019 ) for {$4500.00}. She is now in poor health and can no longer drive.
I am trying to sell the vehicle for her but the office of One Main Financial will not 1 ) give me a payoff amount, 2 ) release the title.
The situation is that my mother already had a signature loan with this company at the time she borrowed the {$4500.00} for the car so the finance company just added the two loans together. I was in the office when my mother signed the paperwork on this loan and I DID ask more than once if the title would be released when {$4500.00} was paid and the loan officer, XXXX, said yes.
So now I have been trying for a few weeks to get a payoff amt. Finally last week I was given a figure of {$3000.00}.
I took a cashier 's check for {$3000.00} up to their office today but was told that the title had to be " sent for from the main HQ. '' By snail mail. And they would not give me ANYTHING in writing showing that the title would, in fact, be released. I withdrew the cashier 's check at this point because I do not trust that the title will be released.
Please advise as to how I can find out : Current vehicle payoff amount and how to be assured that the vehicle title will be released when this amount is paid.
Thank you, XXXX XXXX XXXX
|
| 12/31/2019 |
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
|
|
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 : Made by : ONE MAIN Made on : XX/XX/2017 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 address listed above so that I may verify its validity.
Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; 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.
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize anyone employed by One Main Financial, or the two agencies copied, 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 am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).
|
| 11/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I opened this personal loan in XXXX when the company was called springleaf and the branch was on XXXX in XXXX XXXX. The loan amount was XXXX and the terms were XXXX for a period 5 years,, XXXX XXXX XXXX the loan was to be paid off, however they came back and said that since their was a time period I paid the loan late the accrued additional XXXX I thought this to be unfair and after calling the corporate office which is now One Main,
(they acquired springleaf) they agreed to cancel all remaining interest on the interest and every payment moving forward would be going to principal
Around XXXX XXXX a few days before my pay ment was due I called and spoke to customer service to see if I could defer a payment since I was having a lot of car repair issues, (you see they have also held my car hostage collateral) the car now has XXXX miles I cant afford a new car or used because I am still paying this loan and they keep dinging my credit for late payments when they did a double deferment, So anyways I entered into a double deferment it was processed before I made the required pmnt I made up the pmnt and they still reported me to XXXX as being late in XXXX to XXXX as being late in XXXX and to XXXX as being late XXXX and XXXX
they are literally ruining by life the only account that is hurting me Every time I call I get a new story
|
| 01/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
In XXXX of XXXX an Insurance sent a lump sum payment of {$2100.00} to One Main to for payment on a car that was totaled and used as collateral for my loan. When One Main applied the principal to the loan it only brought the loan amount due by the sum the insurance company paid in. I thought it would be reduced by that amount plus any interest that would be saved by not owing the {$2100.00} anymore. The manager informed me I had Precalulated Loan and they would not refund any unearned interest until the entire principal was paid. I continued making the monthly payments and decided I would call One Main to see how much interest I would be getting back as I knew the principal would be paid in full soon. I was then told that they do not refund the interest as they do not negotiate the note. I paid the loan off in full XX/XX/XXXX. I computed what I owed in total payments up to XX/XX/XXXX in the amount of {$5600.00}. In actuality I paid them {$8000.00}, which is an over payment of {$2400.00}.
I made my regular schedule payment and paid what they computed final principal balance of {$600.00} on XX/XX/XXXX. It is unfair they had use of the money and still treated it like it was due and payable and the interest should be paid on it. I perceive it to be unearned interest which should have been refunded once my principal was paid in full.
|
| 01/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
I applied for a loan through One Main Financial online. I was contacted on XX/XX/2020 by email and by phone by a person named XXXX who told me I was approved for a loan of {$2500.00}. She told me I needed to come in to the XXXX Branch office to complete the paperwork and that I would receive a check at that time. I went into the office today, XX/XX/2020. XXXX took all my paper work to make copies including my license and a voided check. She had trouble verifying the check even though everything I submitted was valid. After 20 minutes she returned to the office where I had been waiting and pretty much accused me of committing identity fraud. She kept telling me that I entered the wrong Social Security number on my application and she also stated that they pulled someone else 's credit because of me. I left the office humiliated, thinking I must have made the mistake, feeling ashamed and stupid. When I got home I checked my credit report and found out that XXXX or another person, acting as an agent of One Main Financial, had in fact pulled a hard inquiry on my credit report on XX/XX/2020. There is no way they could have pulled my credit report if they had the wrong SS number ( see attached screen-shot from XXXX. ) I called XXXX after I saw this, but she continued to insist that I was the one who gave the wrong SS number.
|
| 02/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Onemain Im filing a formal complaint on your company due to the fact that per the Fair debt practices act your company is in full violation of the federal law after reviewing my credit report I noticed that you failed to enter the required noticed of dispute on the tradelines that you are reporting on my credit report. XXXX and XXXX have both Certified that you have indicated that the account is reporting correctly on my credit files. I beg the different due to the fact that you have violated the federal law but not entering the required noticed of dispute with out this information this can not report on the consumer report I will he sending in months of dispute with both reporting agencies state that you verified the information and it was your responsibility to note this anytime a investigation has been conducted via the credit reporting agencies and the creditor the way this looks to me is their was no investigation was conducted please delete this account from all four of the credit reporting agencies for violation of the FCRA you have hurt my ability to obtain jobs and to get anything in my name by your negative and inaccurate reporting. Let me know when you delete this tradeline as the law is very clear about 100 % reporting. So I can obtain a new and updated credit report.
Onemain account number XXXX
|
| 10/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a loan on online XX/XX/2019 with ONE MAIN FINANCIAL and received an Approval for two types of loans {$11000.00} secured, {$6200.00} unsecured. I received an email from a local branch in XXXX CALIFORNIA. I called and someone ask can she call me back later she had a customer at her desk. I received a call from XXXX three hours later and she ask me a lot of questions which was fine, but I started feeling like she was stereotyping me. XXXX ask me to upload my Check stubs verification of income, Drivers License, and Bank Statement for proof of Residents. The next morning I upload all the information she request and she called me back 30 min later and said we can't approval your loan, because we can't verify your income ... I said how did you try to verify my income than she will we look at your bank statement and then a said I have Three bank accounts, you told to just a Bank statement for proof of Residents.. I ask to speak with the Manager XXXX XXXX and she said hold and then came back to the phone and said he is busy and that I can call corporate, because they are the one who made the decision NOT TRUE!!!! I work for the XXXX XXXX XXXX XXXX, AND A XXXX XXXX COMPANY. MY CREDIT IS GOOD NO LATES, NO COLLECTIONS, NO JUDGEMENTS. THIS WAS A CLEAR CASE OF ME BEING XXXX AND THEY WERE XXXX.
|
| 12/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
On XX/XX/2019 I applied for a personal loan and was approved for XXXX pending verification. I provided all necessary verification and met all the requirement of the company. However when the lady processing the loan she processed it as an auto purchase loan and only upriver for that amount. I did not ask for the loan to purchase the vehicle I asked for a personal loan and used a vehicle to secure it. Florida having electronic titles means all I have to do is file the lien application for them and it has my tag number on that so it made it proof of registration as they requested they would have made me pay to file the lien anyways before they gave me the loan so I just saved my self one step. However I XXXX the ladies of because I told them they were XXXX and didnt process the loan correctly and I filed a complaint with the Vice President and the executive committee. So in the end they had no legal ground to deny the loan and they violated the law by not giving me the loan application they didnt approve. The reason I think they denied the loan is because Im incompetent and my wife has to sign for me which is discrimination against a XXXX veteran. And I say this because I was actually approved for XXXX 4 times thru there company each time they were blowing me off Id apply.
|
| 03/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I have been battling XXXX for 2 years while caring for a baby as a single mother. Unfortunately I got behind on my bills and one bill collector located in XXXX - XXXX, XXXX and XXXX ( XXXX XXXX XXXX, XXXX, MD XXXX ) has been especially aggressive and nasty in pursuit of collections. On Tuesday THIS WEEK -- in the MIDDLE OF THIS CRISIS I was purchasing groceries at the grocery store and my card declined. This collection firm emptied my bank account to - {$11000.00} in the middle of a crisis. I do not work and the money they collected was my XXXX payment. They did not leave me with a single penny. NOTHING to purchase essential food items for me or my child. They have since attached my bank account. No money for food and basic necessities, no access to the {$750.00} I had to care for myself and my child. HELP! I am still on XXXX for XXXX. I have never heard of such an unkind form of behavior in my life. I am very afraid for me and my child 's well-being. I do not know if you will get this message or be able to offer help, but it would be so appreciated. I am afraid and I feel attacked by this company during a VERY stressful time in my life where I am afraid for my health and life.
|
| 03/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Took out a second loan approx XX/XX/XXXX from XXXX at the time and now is under One Main Finance Account Number XXXX.
I went to pay this loan off on XX/XX/XXXX in the amount of XXXX via an electronic payment that was accepted. on XX/XX/XXXX it showed I still owed XXXX that was then paid via electronic payment. on XX/XX/XXXX it showed I owed XXXX which I made another payment of XXXX dollars since I had deferred interest on the loan in the amount of XXXX which was payed via a phone payment on XX/XX/XXXX and taken out of my account on XX/XX/XXXX.
As of XX/XX/XXXX they showed me owning XXXX which I paid again, and this morning it shows I still owe XXXX.
They do not seem to be able to find the payment of XXXX ( page 2 of bank statement ) that was made and state there is a problem and they are looking into it as of this morning after talking with them. This is also what they said yesterday on XX/XX/XXXX.
Note that this payment did show up on my account when I looked on XX/XX/XXXX and now has disappeared.
According to my calculations they owe me the XXXX dollars that I paid on and should not owe the XXXX cents that currently show me owing.
|
| 02/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Last year in XXXX and XXXX I asked onemain for a payment relief they approved and I accepted and now they have yet to provide what they offered and they are ranking up fees. I feel that Onemain is a predatory lending company who deceived me financially by using what equity I had in my truck at the time and gave me a high interest rate of 22 %. I have been paying on this loan and in one year they are making {$6800.00} add that up in two years thats {$13000.00} and still my balanced owed hasnt moved down a notch. They refinanced my truck upto 21k and they are making one heck of a profit off of me. I cant afford to make high payments with a such a high rate I have emailed the main office and no answer. I want the interest and payments to go down this isnt affordable and this is taken money from people. This is highway robbery and taken advantage of consumers. I have read several other reviews that this has happened to many others. Why isnt the CFPB doing anything about companies doing such and how can they be in business. No one and I mean now one would consider this at all reasonable. I find this taken advantage of consumers and single mothers.
|
| 04/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
One XX/XX/XXXX when signing the original loan documents papers with Onemain Financial. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called XXXX but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute.
I mailed a letter dated XX/XX/XXXX to Onemain Financial disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX.
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with Onemain Financial was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.
|
| 12/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Re-submission due to company inaction For the previous several months, I've received dozens of e-mail and postal mail notifications of " pre-qualification '' for a loan from One Mail Financial ( " OMF '' ). After checking ( apparently censored ) reviews of OMF available at XXXX XXXX ( see attached screenshot, XXXX ), I opted to apply for the minimum loan offered by OMF, {$1500.00}. I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a " hard inquiry ''. I applied and was surprised to be offered a $ XXXX " secured '' loan in lieu of the {$1500.00} installment loan I applied for. I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior ( see attached image XXXX ). The story is the same each time ; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant 's data, OMF offers completely different product. Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.
|
| 03/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I took out a personal loan in person with One Main Financial in XX/XX/2016. 36 month loan. Personal unsecured loan for {$2500.00}. They required me to have XXXX XXXX and XXXX. I lost my job XX/XX/2016, but continued to make the payment, after several months I became behind. I reached out to them several times in hopes of help. I asked about the XXXX XXXX, and they told me I didnt qualify, even though I had been paying for the product the entire time. I also signed the papers in person with an ink pen! Well XXXX of this year they took me to court to sue me for even more then the loan amount! My balance was {$1100.00}. They want to collect {$2700.00}. They are thieves! Not to mentions I was protected! Also they put in the court documents that it was a secured loan, which it wasnt, and that I signed it electronically, which so didnt, and my initials werent even correct on the loan documents. This company originally was Spring Leaf Financial. Its like they reproduced fake loan documents to take me to court to place a judgement against me for double what I owe them! This is robbery! And Fraud!
|
| 05/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I secured a personal loan with One Main Financial in XX/XX/XXXX. I used my XXXX XXXX XXXX as collateral. I had full coverage on my vehicle at the time I first got the loan and I still have full coverage on my vehicle. I use my grace period each and every month to pay my insurance. I have another vehicle that's insured with XXXX and I use my grace period with them too each and every month. I guess, when I'm late, but within my grace period, my insurance must have notified One Main Financial. My insurance has never lapsed, my registration is always up to date ; but I don't understand why One Main Financial is always harassing me about their XXXX insurance that they want to force on me. My monthly payment is XXXX, do you know what that would come up to XXXX, I can't afford that and One Main Financial can not have my truck. I've never been late with my payments, that are due on the XXXX of every month. My credit is not the best, I guess that's why I had to go to One Main Financial in the first place, but they can't keep harassing me about insurance that I don't need.
|
| 03/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I applied online for a personal loan, and received an email stating I was approved. The email stated : " You areApprovedfor your loan offer ( s ) upon meeting the following conditions : Verification of your identity and addressVerification of your monthly income and review of your expenses* to determine if the loan payment fits your budget according to our lending guidelinesThe value of your motor vehicle to be used as collateral is sufficient according to our guidelines ( secured loans only ) *We will review your monthly income minus your monthly expenses ( such as mortgage payments, auto payments and utilities ). '' I have submitted those documents, but the lender came back and denied my loan due to unrelated items. They stated they declined the loan due to my credit report, which they already had when I received this approval email. I dont think it is right, or legal, to approve me for a loan submitted online based on my credit, then come back a day later and decline my loan based on the same information they had available to them when they approved my loan.
|
| 05/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
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I had contacted One main XXXX Fl in XXXX due to the effects of the covid 19. I unfortunately suffered a set back as my company released me due to the pandemic. I asked them to take me off of direct pay because i had no income and could not afford to make the payments on the two loans i have on the dates they were scheduled to be drafted. They directed me to thier website where i was able to do it myself. They then called me every couple of days to check on thier payments and i explained to them that i am working on trying to gain reemployment but its very hard at this time. I struggled and found a way to make both of XXXX payments late, the last one being around the XXXX. On XX/XX/XXXX without authorization they drafted XXXX dollars out of my account that was unenrolled in direct pay and sent me into negative with bank fees making my position worse. They claim they were here to help during these trying times but in all reality, they could care less because they will not refund any of the unauthorized money they illegally took from my account.
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| 11/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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For the previous several months, I've received dozens of e-mail and postal mail notifications of "pre-qualification" for a loan from One Mail Financial ("OMF"). After checking (apparently censored) reviews of OMF available at XXXX XXXX (see attached screenshot, XXXX), I opted to apply for the minimum loan offered by OMF, $1500.
I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a "hard inquiry".
I applied and was surprised to be offered a $XXXX "secured" loan in lieu of the $XXXX installment loan I applied for.
I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior (see attached image XXXX). The story is the same each time; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant's data, OMF offers completely different product.
Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.
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| 02/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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|
Web |
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I mailed a check on XX/XX/2020, from XXXX XXXX XXXX to One Main Financial in the amount of {$6000.00} using their payment envelope to their XXXX, OH address. I wrote my account number on the check before mailing it to One Main although the photocopy of the checks ( made at the bank does not include the account number on the check ). One Main has not applied the payment to my account as of XX/XX/2020. So to avoid any late fees or negative credit ratings, I made an additional payment this evening online, XX/XX/2020, for {$170.00}. One Main does not apply my payments to my account unless I physically enter one of their branches. By the way, XXXX XXXX XXXX received my check, I wrote their account number on the memo and applied the {$10000.00} payment to my account. This is not the first time One Main has not applied my payments and threatened to negatively impact my credit rating. The photocopy was made at the bank ; however, when I mailed the checks I wrote the account numbers for the payments on the memo line of the checks.
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| 10/20/2019 |
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
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|
Web |
Servicemember |
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On XX/XX/2019 I went on to the XXXX XXXX website to see about loans that I could be eligible for. On the website it indicated that I could check for rates without hurting my credit score, that a soft pull would be done. I entered the last four of my social security number with the understanding that hard pull would not be done on my credit report. XXXX XXXX then provided me with several lenders that would be willing to give me a loan and listed terms so that I could so that I could choose the lender that I wanted. I then got an email from XXXX indicating that OneMain Financial put a credit inquiry on my XXXX credit report ; however, I did not request any thing from OneMain Financial. I ended up taking a loan from another lender but I never even looked into taking out a loan with One Main Financial. They did not have permission to pull my credit, I did not fill out any applications with them, and I did not request any additional information from them so they should not have pulled my credit.
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| 01/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On yesterday, XX/XX/XXXX, I received the results of a dispute I submitted with XXXX where I asked the repository to check with OneMain Financial regarding the accuracy of their reporting regarding an account I settled with the lender back in XX/XX/XXXX. The terms of the settlement which was procured by the attorney 's office representing the lender ( XXXX XXXX XXXX, XXXX ) stated upon receipt of the agreed-upon settlement amount, the account would be deemed paid in full. However, OneMain has not maintained the agreement and has continued reporting to the consumer credit reporting bureaus that I owe them {$1200.00} ( which is the amount they waived when agreeing to the settlement ). I am asking for this tradeline to be reported accurately ( either deleted or reported as a XXXX dollar balance owed ). I have upheld my side of the agreement and I am only asking for OneMain Financial to do the same. There is no outstanding balance and I have no further obligation with the lender.
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| 02/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
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Web |
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Hello CFPB Complaints Team, It was brought to my attention the disadvantage One Main Financials have created.
Due to medical hardship and direct family obligations, I had to take a personal loan from One Main starting XX/XX/2017. Whenever unable to make ends meet by paying other financial obligations for relatives, I would contact One Main.
Currently I have a 60 month plan - paying $ XXXX/month.
This totals to = {$18000.00}.
As reported on my credit report the principal of {$9400.00} is projected to equal or meet the finance charge assed by maturity. ( {$8900.00} ) Why is there a company compounding interest in such a matter? The debt to income crisis will continue under such leadership.
Ive tried to refinance with One Main recently in hopes of lower my monthly income. Instead they offered another withdrawal.
Currently have not missed a payment since 2017 and paid close to the full principle. There is immense pressure to cover these inflated expenses.
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| 05/11/2020 |
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
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Web |
Servicemember |
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XXXX XXXX sent me a notice that an unsecured loan for debt consolidation my improve my credit, and recommended the product by One Main Financial. When I began the application I asked for the amount suggested. Suddenly they were processing an application where my brand new truck was the collateral. When I asked them to cancel the application, they sent me a denial letter stating I didn't have a mortgage.
1. I had a 30 year mortgage.
2. We paid it off last year 15 years early.
3. XXXX reported it as a CLOSED account, when we were never late for 15 years!
4. They solicited this loan to me, and when I cancelled the application they put EVEN WORSE marks on my credit.
5. I literally have 3 things not paid. 2 of which I have repeatedly disputed due to hospital in XXXX, not filing my insurance correctly.
6. XXXX XXXX, and One Main Financial, should not be doing this to people during these horrific financial times, and then ruining their credit on top of that
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| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
On XX/XX/2019 I submitted an request to XXXX to request physical verification of the accounts listed in my consumer credit report. Some of the items were removed because they could not be verified and on none of the others were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA.
On XX/XX/2019 I submitted a 2nd request to XXXX to request physical verification of the accounts listed in my consumer credit report. None of the item were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA.
I did receive a letter from One Main Financial stating that my request did not provide sufficient information. However on 2 occasions they reported unverifiable information. I have attached both notarized requests along with the certified return receipt of my requests. Also I a letter from One Main Financial stating there was insufficient information.
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| 01/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
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They have yet to fix the overdraft charges they caused by running a check on the wrong account. They did not look at the check they had. Went to location in XXXX KS, made the payment with a check. The person did not look at the check in there hands, and used my other account instead of the one that they had the check for. This caused me to accure overdraft charges since it was not supposed to come out of that account. Talked to the person and took in the check to show them there error and was just brushed off. Also called corporate office and was basically brushed off there. I am going to be paying off the account but don't want to because they owe me money for their mistake. It has now been almost two months since this has happened and nothing has been done other than me getting the run around. I will never do business with this company again as they do not know what customer service means. Nor do they understand simple accounting.
|
| 12/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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In 2018 I was put on a hardship program for a reduced interest amount and payment amount at one main financial. I asked to change my payment withdrawal date and due date from the XXXX to the XXXX of each month. They agreed to {$78.00} a month drafted the XXXX of each month. They neglected to tell me my due date was never changed so I received a late fee plus daily interest charges for they payment being late. They set up the payment withdrawals dates and a year later plus they finally told me I was being charged late fees. I borrowed {$5000.00} and have paid one main financial about {$2500.00} in total payments but only have {$1000.00} of the principal paid down. I get that I owe the money, but being charged unknown late fees and then a year later being on the program they offer to move my due date. I thought they moved my due date in the first place. Instead I have several months of late fees that are uncalled for.
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| 03/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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Web |
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Overtime I received invitations from OneMain Financial to apply for a loan. Many communications have stated that I was prequalified. On XX/XX/2020 I applied online for a loan with OneMain Financial and received an email stating that I was approved, based on verification of my identity, address, and monthly income. I verified this information online and over the phone with a local representative. I also provided a copy of my drivers license showing the photo as requested. After several phone calls with the local representative I was told they could not provide me with the loan because of my financial situation. During the calls, the rep asked what I needed the money for and I explained that I was pregnant, due to give birth in a few days, and wanted to pay down some credit cards. This is when I was told they could not provide me with the loan. To date I have not received a notice stating the reasons I was denied.
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| 11/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
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During a phone call around XXXX on XX/XX/XXXX to One Main Financial to update payment information, a rep XXXX from the company answered the phone heard my initial call and immediately divulged my FULL NAME AND BANK ACCOUNT INFORMATION. This is extremely disturbing when I just experienced our bank account being compromised the week prior. I am upset and feel like my rights have been violated. I want to make a legal complaint and have that person terminated or go into a training of some sort regarding consumer protection and confidentiality. This is unacceptable and I do not trust this company with my information or for any other individual. I will also make a complaint on the XXXX website. I need to know what I need to do moving forward to resolve this issue. I do not want this log as a complaint then it goes away and nothing is done. Please contact me and let me know how the matter is going to be resolved.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I'm a victim of identity theft so i watch my credit report a lot. I notice an account on there from a company name ( OneMain # XXXX ) on my XXXX credit report. I contacted XXXX in XXXX and they told me to contact Onemain because they are saying the account is mine. I wrote OneMain on XXXX XXXX, 2020 asking for a copy of the contract with my signature on the contract. I'm knowing they wouldn't have it because its not mine i just wanted a paper trail. XXXX Onemain respond with a copy contract with another company letter head also without my signature. I wrote them again on XX/XX/2020 asking again for a copy of the contract with my signature this time on XXXX XXXX Onemain just sent me a letter without a copy of the contract. On, XXXX XXXX I went to the police station and updated my identity theft police report by adding the company OneMain to it because this is a Fraud account that someone put in my name.
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| 03/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
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I obtained a consolidation loan from one main financial in XXXX Oklahoma which was secured with XX/XX/XXXX XXXX XXXX pickup fully loaded I lost my job in XXXX slow down and upon repossession of vehicle was notified I could have personal items from pickup when I paid them in full possessions in vehicle was things such as birth certificates my sons and my own lots of tools and XXXX fittings of my own plumbing fittings for pex pipe tools and plumbing fittings costs approximately XXXX costs of XXXX fittings approximately XXXX not to mention loss of transportation and missing our vital records left us in even more of a bind some things can't be replaced things belonging to my grandchildren it's not right for any company to do these things should never be ransomed in order to get personal things back and held like a XXXX for money they knew I could not afford to repay lost everything soon after including house
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| 01/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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On XX/XX/2020 I received 2 phone calls from One Main, a loan company I used about 3 years ago. They informed me that a person with my same name come in for a loan and MY information was used in error. I was told they would fix it. Upon receiving the second call I was basically informed I needed to feel out forms to fix the problem. This is not acceptable. They were to send me emails with forms, this never happened. They stated the information WAS sent but would send it again, never happened. I have worked HARD over the last few years to improve my credit. I need the hard hit removed from my credit report. I have the following information :. One Main - XXXX, In. XXXX. Phone - XXXX. The branch I used a few years back - One Main - XXXX XXXX XXXX XXXX. XXXX,. NC. XXXX. Phone - XXXX. I spoke with XXXX, she run my report. XXXX was " trying '' to fix it. Again, haven't heard another word from them. Thanks
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| 12/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
The bank OneMain Financial Group, LLC NMLS # XXXX had a link on my XXXX XXXX account stating that I was prequalified for a unsecured $ XXXX at a high apr of 21 % of which Im sad to say I was willing to accept due to my legal fees that I have to pay for issues concerning problems with my ex-wife. Anyway I fill out the application and it says Im approved. Upon reading the terms it now states that the rate is 25 % and a secured loan and they need my all the information concerning my motor vehicle, insurance and drivers license. This bank expected me to put my car up against their 25 % loan. They pulled a bait and switch. I can only imagine how many people they do this to. Please investigate them. I did not accept the terms of this scam so theres not much more that I can provide but this is definitely a terrible thing to do to someone. If someone has a car loan and then does this. My goodness.
|
| 03/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I refinanced a personal loan that I had with OneMain Financial in XX/XX/XXXX. I have made timely payments since that time. The initial payment on the loan was due and paid on XX/XX/XXXX. The amount of payment credited to principal reduction was about {$110.00}. This amount increased to about {$150.00} over the next several payments. Recently I noticed that with my XX/XX/XXXX payment only {$55.00} was applied toward principal. With my XX/XX/XXXX payment the amount applied to principal was {$160.00} which is consistent with the statements prior to XX/XX/XXXX. However, in XX/XX/XXXX the applied to principal was only {$63.00}. I don't understand how with consistent payments I can owe more interest than a previous month on a declining principal balance. I inquired with OneMain but didn't get a satisfactory answer. I will upload the monthly statements. Please assist.
|
| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I CONTACT XXXX BY PHONE TO INFORM THEM ABOUT ABOUT THERE WAS SOME INQUIRY ON MY CREDIT REPORT THAT I DIDNT AUTHORIZED. I THEN CONTACT THE CREDITOR ABOUT AND I COULDNT GET THROUGH ON THE PHONE. I SENT LETTERS TO THESE CREDITOR ABOUT AND NOTHING. I NEVER AUTHORIZED ONE MAIN FINANCIAL ON XX/XX/ 2019 TO RUN MY CREDIT. I DIDNT NOT SIGN AND DOCUMENTS WITH MY NAME ON IT. XXXX XXXX XXXX XXXX WHICH WAS XX/XX/ 2019 I DIDNT AUTHORIZE THEM TO RUN MY CREDIT REPORT AT ALL. TO XXXX ONE MAIN FINANCIAL AND XXXX XXXX XXXX XXXX THIS IS TO CEASE YOUR AUTHORIZATION ON MY CREDIT REPORT. TO MY KNOWLEDGE I HAVE NOT SIGN ANY DOCUMENTS AUTHORIZING YOUR ORGANIZATION TO VIEW MY CREDIT HISTORY THEREFORE YOUR INQUIRES INTO MY CREDIT REPORT VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 1681B I REQUESTED THIS TO BE REMOVED OFF OF MY CREDIT REPORT IMMEDIATELLY
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| 11/30/2019 |
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
|
|
Web |
|
|
I discovered that OneMain Financial ran an authorized credit report on XXXX XXXX, 2019 without permissible purpose.
I sent OneMain Financial a certified letter on XXXX2019 requesting to contact XXXX, XXXX, & XXXX immediately and have this inquiry deleted from my credit report file. Certified letter was received by XXXX XXXX XXXX on XXXX/2019.
My request was ignored. I am using Estoppel of Silence in my defense. By law, OneMain Financial had a duty to respond but failed to do so. Therefore, this means that they agree with me that this inquiry was not authorized.
In addition, I am receiving constant emails from them. I have unsubscribed to their emails, but I am still receiving emails from them. I am not interested in a loan or never have applied for a loan with them. I need this to stop immediately as well.
|
| 11/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Today, XX/XX/XXXX I called in to speak to my "Assigned Rep" for a personal loan I applied for online first with this company. In speaking to the rep named, XXXX XXXX, she denied me the opportunity to submit my application to underwriting where they can review my credit and income documents. She said "you are denied and you are wasting your time" and kept insisting I use a vehicle or some other sort of collateral instead. I again mentioned that I would like to proceed with my application for the personal loan since you pulled a hard inquiry on my credit and she did not allow me any opportunity to move forward on my application and denied me the opportunity to review any of my income documents or anything else. I feel like I did not have an equal credit opportunity and was discriminated against by the rep specifically.
|
| 12/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
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I was approved after they ran my credit twice then all of a sudden after a few hours they came back with some XXXX excuse she said call me in a week and we can close it out well I found out in a week it was to late they told me to reapply so I did and again I was approved took another hit on my credit and a few hours they changed their mind again blamed it on underwriting said its because I just applied 2 weeks ago even though they told me to reapply I feel like I was played when I spiked to the manager and asked her to call underwriting she agreed but I work at a XXXX hospital I can tell when people are playing games. She didnt really call them one main financial XXXX XXXX XXXX is one big joke that play games with peoples credit and they do not care because they arent held accountable for their actions
|
| 03/25/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I informed One Main Financial Branch Manager XXXX XXXX that I was filing for charter XXXX bk and obtained the services of XXXX XXXX XXXX XXXX. Instead of coding account as bankruptcy. XXXX XXXX aided me into signing a loan modification agreement that was communicated to me deferring the payments until XX/XX/XXXX and my credit report will be okay until that time. After signing agreement which clearly has a due date of XX/XX/XXXX. I was tricked into thinking deferred payment however XXXX XXXX didn't tell me I would be negative affected credit reporting for XX/XX/XXXX and XXXX.. Poor collection practices. I have a copy of loan modified agreement for review also. In addition this company failed to report accurate credit reporting for XX/XX/XXXX despite be making a payment for that month.
|
| 12/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
One Main Financial XXXX, TN Personal loan This company was emailed and called about loan being late less than thirty days.
One main employees have called over 5 times a day from various numbers and various locations.
The employees degrade and talk disrespectful. One Main refused to be kind once I refused a deferment, versus a late fee.
One Main has started to call our employment on an account less than thirty days late and after we contacted One Main several times to STOP CALLING.
One Main employees are harrasing this loan because they want their numbers to be down, treating people horrific, even lying about credit reporting.
One Main XXXX, TN is violating Federal harrasment laws.
Calling repeatedly and calling employer after cease was emailed to Supervisor of One Main several different dates.
|
| 03/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a loan with this company that I pay monthly. I always pay online and only use this method to interact with the company. As soon as even one day goes by past my due date, the company repeatedly calls me beginning as early as XXXX XXXX all the way past XXXX. In XXXX of 2020, I became frustrated with them and I answered the call. I expressly told the person to make note on my account of the following things : I do not make payments over the phone. I pay my bill online, every month. I do not wish to receive calls from them. And most importantly - I CAN NOT receive calls during work hours, which for me is XXXX to XXXX Monday through Friday. They have ignored my requests and continue to call me despite my requests and insistence that I can not receive calls during my work hours.
|
| 06/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
applied for a Crdit Card. I was approved with a {$190.00} program fee and a reduction of credit limit by {$100.00} upon receiving card. That is a {$290.00} fee after a credit check is ran and my XXXX is dinged. No prior insight on such before applying. PREDATORY. ... I was shown on XXXX XXXX for a good approval odds on a Debt consolidation loan. Applied, my FICO was hit, only to find out its would need to be secured with a title to a vehicle. " Title Loan '' no prior insight on this before my XXXX gets dinged again and the terms are released. " PREDATORY ''. This type of marketing is geared to poor or good credit. Information on this should be clearly visible and advised prior to running a hard inquiry. I believe soft inquiries should only be completed on this.
|
| 06/24/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was tricked into taking out this equity loan years ago and now I'm sure I've paid 3x the amount of the loan which was $ XXXX. They ran a credit check and made me an offer. I accepted the offer and agreed and paid the {$500.00} appraisal fee for my home. They then came back a few days later saying they missed something on my credit report and the terms of the offer had now change. I felt I couldn't back out because they said I would lose my {$500.00} appraisal fee because it was not refundable. I can't even view the loans total history because it's been sold a few times, but I still owe $ XXXX after 13-15 years of paying on the loan. They haven't made any offer for a new better rate or any relief. I believe one of the previous lenders was XXXX XXXX.
|
| 01/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX a took a loan with one main financial in XXXX, OH, for XXXX at the end of my loan my whole amount will supposed to be XXXX or something around. they did never mentioned that they calculated monthly and annual interest on the whole amount of the loan which is XXXX, when I just took a loan for XXXX. I've being doing my regular and additional payments into the account but they never mentioned that. I spoke with a representative with name XXXX, she said they calculated monthly and annual interest on the final amount which is XXXX. I considered this outrageous and not fair because they never mentioned something about. I spoke with that representative and she told me she spoke with the district manager and that how they do it.
|
| 05/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I owed a personal loan. My income was greatly reduced, and I was unable to make payments.
Approx : XXXX XXXX I called One Main, and asked if they would be willing to make a settlement offer. They agreed to take a lesser amount.
Approx : XXXX XXXX I received a letter stating the amount and date of payment.
XXXX XXXX money was available to withdraw from account.
XXXX XXXX the amount was deducted from my checking account., XX/XX/XXXX I filed a dispute with XXXX that the settlement was paid and not corrected on my reports.
XXXX XXXX results were given to me on XXXX. I have also filed with XXXX and XXXX, but no results as of yet.
Approx : XXXX I filed another dispute with credit bureaus and One Main has not resolved this issue.
|
| 12/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My account with One Main Financial became past due. XX/XX/XXXX I asked if I could pay a smaller amount to avoid 30 days late. They would not accept. XX/XX/XXXX Once 30 days late I attempted to pay the past of $XXXX but they said it was not enough and payment not accepted and it was sent to legal dept. Legal dept demanded min $XXXX payment to pay balance of XXXX. I told them I needed a lower payment. XX/XX/XXXX I called legal dept to request a lower payment. The rep said the account had to be paid within 6mths or law suit. XX/XX/XXXX I requested $XXXX arrangement to avoid collections. I also contacted One Main for a payment arrangement. One Main kept referring me to legal and did not tell me the account was being charged off.
|
| 12/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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 whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 12/17/2019 |
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
|
|
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 whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 12/13/2019 |
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
|
|
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 whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 05/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/2020, I called One Main Financial to obtain the payoff amount for my loan. I spoke to a female representative at the company who provided the payoff amount {$2200.00}. I made the payment online the next day XX/XX/2020, less the {$0.00}. The email attached provides a confirmation number XXXX for the payoff. On XX/XX/2020, One Main Financial deducted my regular automatic payment of {$190.00}. On XX/XX/XXXX, called the company and spoke to XXXX. He told me that the female representative gave me the wrong payoff amount on XX/XX/XXXX. He gave me the payoff balance through XX/XX/XXXX, which is {$2400.00} and refused to refund the automatic payment because I didnt pay the XXXX cents.
|
| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I noticed there are 2 inquires on my credit report that I did not authorize. The company is ONE Main Financial. The dates are XX/XX/2020 and XX/XX/2020. I called and asked a question about my current account with them. The scary part of this is I didnt ask for any credit just a question on my account. They ran my credit 2 times without me knowing it. I wrote them a letter to dispute this and they refuse to remove it off my report. Its very unfortunate that companies are allowed to do this and are able to damage ones credit with no consequences. I want this resolved ASAP. I dont want to seek legal help with this matter but it may be the only solution. Please help me resolve this
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Several times, I notified OneMain Financial about this account. I emailed the President/CEO of the company and VP to request to have this account removed from my credit report. I've showed more than enough information explaining that this company stole my vehicle by having it towed instead of returned to me per previous correspondence saved on this site. This company has not only reported late payments, but also tried filing a repossession against me. How can you file a repossession when their XXXX XXXX, La branch manager had my vehicle towed and the company refused to locate it and return it to me as promised ( again in previous correspondence ) on this site.
|
| 11/19/2019 |
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
|
|
Web |
|
|
I had issues in XXXX and XXXX making my payment with One Main Financial. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off my loan in XX/XX/2017, One Main showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. One main reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling One Main numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX but not XXXX or XXXX. Please help.
|
| 04/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I opened a personal loan with One Main Financial for the amount of {$6500.00} in XXXX of XXXX to cover medical expenses. My balance currently sits at {$5800.00} as of XX/XX/XXXX.
Paid my XXXX payment 17 days early ( I always pay early. ) 99.98 % of my payment went to interest. Paid XXXX 's payment 19 days early and 99.97 % of my payment went to interest. I always automatically make payments early without even checking. I knew interest rate was high when I started the loan, but this is absolutely ridiculous.
At this rate, it would be absolutely impossible to pay off this loan in my lifetime.
I can provide statements to support my claim if needed.
|
| 01/09/2020 |
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
|
|
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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, 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!
|
| 12/15/2019 |
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
|
|
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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. 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!
|
| 05/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
The company is One Main Financial, XXXX XXXX, CA. I got an loan and fell back in the payments. Due to death in family and the loss of wages. I receive up to 5 or 6 calls aday. They are harassing me. Remodifing/Refinancing my loan and extra additional interest fees/ charges. I always a month behind. It is causing me great stress to catch up. The calls are too much to handle. Please assist me on what to do. They are putting a {$260.00} payment on my debit card on the XXXX of XXXX. I needed this money for my household expenses. They wouldn't even defer any payments FOR THREE MONTHS, OR until this COVID-19 pandemic is over. XXXX XXXX XXXX
|
| 12/19/2019 |
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
|
|
Web |
|
|
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.
these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, one main, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
|
| 11/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I took out a personal loan from One Main Financial back in XXXX. I was making monthly payments up to XX/XX/XXXX, when I decided to file a chapter XXXX bankruptcy due to hardship, and that the balance of the loan was part of the chapter XXXX.
Following the discharging of the chapter XXXX, I was monitoring and realizing that One Main Financial has not closed and removed its information, the loan was still open. So, I called to advise One Main Financial that the loan was part of the chapter XXXX bankruptcy discharge, the answer I was given " That's the way our information it is going to remain in your credit reports. ''
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
|
| 02/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Hello, my name is XXXX XXXX and fraudulent accounts were opened in my name with One Main Financial. I spoke to the branch XXXX and she said they could handle it in the office. I didn't speak to her my husband did. My husband explained to her that I work in the XXXX, and I am not able to receive phone calls. I am not allowed to bring my phone into the XXXX. They have recently started calling me at my place of employment, even though I told them I cant receive phone calls at my job. I have provided them with my Police Report, FTC Identity Theft Report and also an Notarized Identity Theft Affidavit.
|
| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX ran a hard inquiry on my credit without my consent on XX/XX/2020 I called them to ask them why did they run a credit check on me they said they cant give me that information. I asked them if the can remove it being that I didn't authorize it and they said they don't remove inquiries, they told me to contact the credit bureaus and dispute it. XXXX told me to file a report with identitytheft.gov.
One Main Financial ran a hard inquiry on me on XX/XX/2020 without my authorization and they told me the same thing XXXX did. That they cant remove it even though i didn't authorize it.
|
| 12/23/2019 |
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
|
|
Web |
|
|
On XX/XX/2019, I received a letter from XXXX marked Confirmation # XXXX about a complaint I had filed with them concerning two hard inquiries on my report from XXXX XXXX, which they claim was reported to them as accurate, and that they had investigated to make sure these inquiries were indeed factual. On XX/XX/2019, I received a letter from XXXX XXXX about my questions about their inquiries to my credit report, and they state that the inquiries were not made by XXXX XXXX on the dates of the report. I feel this is a breech of service by XXXX, and this is a negligent act on their part.
|
| 02/12/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I took out a debt consolidation loan with XXXX XXXX XXXX in XXXX XXXX, CA. They took my pink slip to my car as collateral. The payment is due on the XXXX but is not considered late until the XXXX. However, the company starts calling incessantly between the fist and the eleventh. I mail my check to their headquarters back east. They would prefer I call and make a payment over the phone. I feel they are harassing me. I have asked them not to call me anymore, but they persist. I had to block them from my cell phone, but they persist in calling from an unknown number.
|
| 11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
i got a loan with onemain finacial and signed papers for XXXX payment a month. The big manager at the store falsefied documents and made the payment to XXXX a month withouit my signature or my agreement i have several documents to support this claim and i have proof. They committed fraud and violated the truth in lending act. They committed crimes and have ruined my credit and my life.
I have filed complaint with attorney general office and more.
They switched docmunets and violated so many laws and federal laws as well. submitting false document to my bank.
|
| 02/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for 3 year loan from one main financial. It was advertised as a 3 year loan, and it still is advertised as a 3 year loan. When I signed my contract I was shown that I was signing a 3 loan. I tried to work this out with the company. But the person who was in charge of this. Doesnt work their anymore, I asked for a copy of the contract I signed. The sent me a different contract that was esigned. Thats a different contract than the one that I signed in person. Thats a five year contract thats Im paying back three times than the amount that was borrowed
|
| 02/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I received several emails from the branch that I was approved for the loan. I have an existing loan with them that Ive been in good standings. I was told I was approved when can I come in to sign paperwork. I was never told that I needed to secure a loan. I received an email back in XXXX saying I was approved the offer was valid until XXXX. This is totally false advertisement. I have two jobs and I get so security XXXX. Then I called their corporate headquarters and talk to a girl this morning that was completely rude and nasty and unprofessional.
|
| 06/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XX/XX/2020 {$6500.00} Paid account in full on XX/XX/2020 which has cleared my account.
I emailed the branch manager, XXXX XXXX, to request the contract paperwork showing paid in full and my title. Due to my having to get an attorney in the prior year when they were adding charges fictitiously. Either way, I called the branch this morning at the direction of the branch manager and was told she was in a meeting. When I advised them that she just told me to call her, the guy cussed and said he didn't have to explain anything to me and hung up.
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have requested documentation on the OneMain Financial Account. OneMain Financial has been unable to validate this account and has only provided me with a payment history.
All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report.
I been disputing this account for over a year, and finally OneMain sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.
|
| 01/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
|
| 12/23/2019 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2019 I sent a letter to Onemain financial to validate a charge off on my credit report. Tracking showed they have received my letter on XX/XX/2019 but have not responded to my request and 30 days have passed without marking my account as disputed. This shows how they are acting in bad faith.
Therefore they have violated FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ).
Also by not providing copy of any viable evidence bearing my signature they are in violation of defamation and negligent enablement of identity fraud.
|
| 05/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
The name of the company is one main financial. In XXXX, NC. I got a personal loan from them many times, over the past couple of years. I entered into a debt management credit counseling program and they agreed to lower the interest rate. I came out of the credit counseling program, sent them proof, checked my credit report, it's showing as past due on XXXX and on XXXX they still have me as part of the credit counseling program, after Ive sent them proof that I was no longer under it. This is hurting my credit honestly.
|
| 03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
ONEMAIN appear on my XXXX credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS OR OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY AS THE FCDPA SECTION 604, 609 AND 611 DEMANDS.
|
| 02/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
Getting too many credit companies trying to open things in my name and another person who is not myself ' name.
I own a place that I rent to a tenant and I got several applications for credit cards in the name of XXXX XXXX. I believe this is a fraud and it will keep happening if not addressed.
I have contacted the credit companies that are sending information to this address but want to let you know about this.These companies were XXXX XXXX, One Main Financial, and XXXX all w/ my address and XXXX XXXX 's name.
|
| 04/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a 1099 from One Main concerning a debt from 2002, ( 18 years ago ) XX/XX/2002 for {$14000.00}, which they indicated on a 1099. I filed a complaint with the Minnesota Attorney General, they stated they will look into it but referred me to the www.occ.gov. The company is One Main Mortgage Services, Inc. XXXX XXXX XXXX XXXX, XXXX, IN XXXX, XXXX ( At the bottom of the 1099 it says XXXX SCR XXXX, DOL XX/XX/2002, XXXX XXXX, CREDITORS TIN XXXX. I have not taken out any mortgages through this company.
|
| 02/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for and received a personal loan From One Main Financial a couple of years ago. The loan amount owed is {$3400.00} I've been making monthly payments and the balance remains the same.
This seems to be a predatory loan. The balance seems to keep increasing, and when I make my monthly payment of XXXX, they only seem to credit up XXXX dollars towards the loan so the balance never decreases.
I don't have paperwork in this loan it was signed electronically in their XXXX New Jersey office.
|
| 02/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
One Main Financial currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
* 'One Main Financial ' advertised an offer and i signed for, but it was a false advertisement. They were offering a 10,000 loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement.
* XXXX XXXX sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry.
* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
On XX/XX/2020 I recieved a notification from XXXX credit bureau that One Main financial company of XXXX Indiana had checked my credit score for financial services. I did not inquire for any Services through this company nor did I authorize anyone there to pull my credit report. I reached out to this company and filed a complaint with the XXXX XXXX XXXX. I have yet to recieve any resolve or an explanation as to why my information was accessed by this company.
|
| 12/01/2019 |
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
|
|
Web |
|
|
On my Report it shows no payment on a loan for 120 days. However I have made arrangements with the company and made all payments. Payments are even reported on their website. It took my 100 % payment history down to 84 % dropping my score more than 50 points. I have requested they update direct to the company and even filed a dispute with the credit bureaus. This has made me pay 24 % interest on a car loan due to the inaccurate reporting of this information.
|
| 03/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I'm currently XXXX ( XX/XX/2019 ) and receiving minimal weekly benefits. I explained this to them multiple time and have tried to work out a repayment plan or deferred plan until i gain employment which is unknown due to the health issues facing the country. the collection calls have been relentlessness ( 6-10 times/day ) coupled with the threats of repossession my vehicle. These people are horrific and refuse to work out an amicable payment arrangement.
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
After my first complain against OneMain about a Hard Inquiry that I do not recognize, this mention company send me a email ( see attachment ). OneMain offer me to call them again and discuss this issue, Well I had call this company many times already and send dispute letter about this hard inquiry true the 3 mayor reporting agencies. I DONT THINK I NEED TO CALL THIS COMPANY AGAIN .... JUST INVESTIGATE THIS MATTER AND DELETE THIS HARD INQUIRY.
|
| 03/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I called One Main financial to ask about deferment of payments while I'm laid off on furlough for the Coronavirus pandemic. And they wouldn't allow it. Said i didn't take bbn out the insurance for this. And they were not offering any help in the matter without it. I've never missed a payment and have never been late on a payment. This saddens me that they're offering any help. I will never borrow from them again. When I pay this loan off.
|
| 01/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
This is the second, time. I have already completed this report before. Y our firm have done anything for me to help me. I am XXXX years old man trying to make this payment of {$470.00} with a rate of 35 % is hard. I have you to look into one main Financial lending process. Can someone please help me with this problem. My loan was {$13000.00}, I have 10 payment and it still {$13000.00}. can you tell me what wrong with this picture.
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
ONEMAIN Reporting the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively.
Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested ONEMAIN to remove this because this is not my fault. I don't have control with what happens with the banks.
|
| 12/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
this company is a rip off I borrow XXXX for them I know I own them money but they are charge me XXXX in interest and I think this is crazy this company is worst then a payday load store I didn't know it was going to be XXXX in interest al they do is laugh at all of the customer company like this should be helping people and not robbing them blind the name of these company is one main financial main off number is XXXX
|
| 07/20/2022 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
ON XXXX I PAID ONE MAIN FIANCIAL XXXX XXXX OFFICE OTHER HALF MYMONTHLY PAYMENT THAT TOTALS XXXX $ $ MONTH I PAID XXXX THEY PUT XXXX $ TOWARD MY ACTT XXXX XXXX WENT TOO INTREST I HAVE NOT PAID ANOTHER PTYMT AFTER THAT DATE IVE TOLD THEM COME GET XXXX XXXXXXXX XXXX IM DONE WITH THE HIGH INTREST ILL BE DEAD BEFORE THE BALL PAID OFF I CAN NO LONGER PAY THIS CAR NOTE COME GET IT SELL AT ACTION PLS NO RESPONSE
|
| 06/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I paid a total of {$1200.00} in three extra payments intending to reduce the principal on a loan. Principal was not reduced in accordance with the amount paid. After contacting the company about the discrepancy I was assured that the issue would be addressed..
The issue was not addressed satisfactorily but became more confusing. The second attempt to address the issue has been met with delays.
|
| 01/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There is a One Main XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.
|
| 12/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER ITEMS AND LATER OPENED FRAUDULENT ACCOUNTS IN MY NAME. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME, THEY WERE FRAUDULENTLY OPENED : ONE MAIN OPENED : XX/XX/19 AMT. XXXX ONE MAIN OPENED : XX/XX/19 AMT. XXXX I HAVE ENCLOSED MY POLICE REORT AND ID THEFT REPORT.
|
| 01/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
One Main Financial has illegally used my debit card information to extract a payment which was higher than discussed. I have never allowed automatic deductions on this account. I have never knowingly given them permission to do so. It was never discussed with me.
Date of Action : XX/XX/2020 Amount Deducted : XXXX Action Taken by Me : Dispute of Transaction at Bank
|
| 04/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and XXXX made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company One Main who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing this letter to inform you about incorrect inquiries listed on my XXXX, XXXX, and XXXX credit reports. I have no knowledge of ever doing business with this creditor. Therefore, I would like for the following inquiries to be removed from my credit reports. The dates are, XXXX/2018 and XXXX/2018.
ONEMAIN: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
|
| 01/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2019, I was provided an approval for a loan, which I had already received several offers and pre-qualified. I submitted the necessary documents that were requested. I was then notified that I was unable to receive the loan even though I was " pre-qualified ''. I then notified a hard inquiry on my credit that I do not recall consenting to.
|
| 12/17/2019 |
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
|
|
Web |
Servicemember |
|
I reviewed my XXXX, XXXX and XXXX and l discovered a fraud unauthorized inquiry on my credit report .A Financial Institutions by the name of One Main Loan in XXXX Indiana .
I didn't apply or authorize no creditors to pull my credit online or by phone and l didn't sign me documents with my official handwritten I am XXXX XXXX and Retired.
|
| 04/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have tried to get funding and or credit from different sources online. They all say that they will do what is a soft pull. But then it turns out they make a hard inquiry and it has hurt my score. We are in the middle of a Pandemic here. I think it is unfair that my score is being dragged down because of unauthorized Inquiries.
|
| 03/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out this loan in 2017 and been paying early every month and I still nearly owe what I borrowed!
Look at amount borrowed and what has been paid.
I didnt even take out the whole amount I was approved for, do you show that? Or are you charging me as if I had? Because for what I borrowed this would have been pain 3xs over!
|
| 01/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I want to complain these accounts because of its inaccuracy. There is only one late 120 days on this as a negative remark. The thing is, it is a clear inaccuracy. I believe this needs to be corrected. Please help me out as I am trying to build my credit that is up to par. Your help will be greatly appreciated.
|
| 12/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Was preapproved for up to 10k on or around XX/XX/XXXX Sent in all requested info and allowed them to run credit score.
Told I did not qualify.
Asked them then to remove credit score checks from my account .... they declined I wouldnt have let them run my report and get another ding if I new I wouldnt qualify
|
| 04/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The loan is 26.60 % interest rate. The minimum payment is {$1300.00} each month. The principal amount is XXXX but The total amount to be paid is {$84000.00} on a 2015 XXXX XXXX.
The loan is from One Main Financial We will be unable to make those monthly payments because our income has changed.
|
| 05/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The date of XXXX XXXX I contacted the company to ask about my loan and stated to them that the interest rate was extremely high for an XXXX dollar loan.i have payed {$1000.00} over the last five months and only {$410.00} has been applied to my principal. {$590.00} have been applied to interest.
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Onemain XXXX, IN XXXX ( XXXX ) XXXX This is showing on my XXXX Report. I do not recall every trying to sign up with OneMain. I'm afraid there has been some sort of identity theft.
I do receive a lot of mail about loans. Not sure if someone tried using it for their benefits? Please advise
|
| 11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
OneMain is reporting a loan I received negatively on my credit reports. I fell behind in payments after an injury caused me to lose my job. I was out of work for some time and could not pay my bills. I became homeless as well. Just recently, I got a new job and gross $ XXXX annually.
|
| 02/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have XXXX credit monitoring service and was alerted of a an Inquiry for a personal loan. I immediately called the agency and advised them That I did not apply for a loan with them and it was frad withing minutes of the alert. The Inquiry still appears on my credit report
|
| 03/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I did not receive a loan from this company. I have tried multiple times to dispute it in order to remove it from my account. There has not been any information sent to me as a result of my dispute and the company has not tried to contact me via letter or phone.
|
| 06/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company continues to call me for a debt I have no idea about. They call me all day at least 10 times a day starting at XXXX XXXX and go till about XXXX XXXX. They also call my work and bosses personal cell phone after being told repeatedly not to.
|
| 03/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
|
|
Web |
|
|
I filled out a survey for XXXX XXXX, where I only entered high level information about my situation. I never entered my social security number or any detailed information and my credit score got hit because it says I applied for a loan with One Main?
|
| 05/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I no longer have a loan with One Main Financial but they continue to harrass me with calls. I have asked them, and told them several times to please stop calling. I have blocked the number but it shows up every time they call. I'm done being nice.
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) Onemain 2. ) XXXX XXXX XXXX 3. ) XXXX 's XXXX XXXX XXXX
|
| 03/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have tried to get my payment lowered with no luck my interest rate tripled. I would like to work something out & work out an affordable payment before my vehicle gets repossessed. My car went from {$300.00} to {$500.00} I am 2 months behind.
|
| 03/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My fixed rate loan is set up in monthly installments. The money paid in keeps going in higher proportions to interest instead of principal. I call them and they never return calls. This has been going on for awhile. Something is wrong.
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
|
| 12/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following accounts from ONEMAIN inquirydate XXXX, XXXX CARD inquiry date XX/XX/2019, XXXX XXXX inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.
|
| 03/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please be advised that all information must be 100 percent accurate be at advises MInnesota attorney General office will he notify about you reporting as early as Monday morning thank you for your full Cooperation
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
ONEMAIN KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX AND XXXX, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX AND XXXX STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.
|
| 04/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
I did not authorized one main financial to pull my credit report. I do not know who this company is. The company is not responding to my letter request to remove the inquiry off of my credit report.
|
| 04/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
loan was set up on auto pay and was takeing out on wrong date and payment was sent back, then was not contracted for 60days fell behind was told they could not do anything to help till 120 late.
|
| 03/05/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My loan payment is only a couple weeks behind from creditors One Main Financial and they are calling repeatedly nonstop at least 10 times a day leaving voicemails, harassing and threatening.
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This company did a credit inquire on my credit without my authorization more than twice on the same day this is impacted my credit score.
Onemain XXXX, IN XXXX XXXX XXXX XXXX XXXX
|
| 05/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
My pension was reduced by 30 %, basically XXXX a month, my cost of living has risen twice that amount, putting me under water. One Main refuses to work with me to adjust my payment.
|
| 11/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
My information was stolen in the XXXX data breach. Information and documents used to open a fraudulent account. I have included Ed the FTC complaint and various police reports.
|
| 11/07/2019 |
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
|
|
Web |
|
|
One Main Financial continues to furnish credit inquiries on credit file from XX/XX/ 2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.
|
| 12/10/2019 |
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
|
|
Web |
|
|
I filed bankruptcy in XXXX of XXXX XXXX XX/XX/2019 why is onemain still on my credit report when l include them in my bankruptcy.they already mailed my title to vehicle.
|
| 03/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Filed account in my chapter XXXX bankruptcy. Account still reporting as open with XXXX. & Is reporting correctly with XXXX. Please make sure all 3 bureaus are accurate
|
| 12/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 11/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My husband abondoned me and he got pay day loan credit debt and using my edentity and the consumer wan na pay me and we still married
|
| 01/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
One main financial out of XXXX Iowa called my employment and disclosed who they were and that they were calling to talk with me.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
One MaXXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This account has a XXXX balance and needs to reflect that on my credit report. Please see attached balance statement.
|
| 12/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This phone number is called at least 5 times a day. Today XX/XX/19, there have been 8 phone calls before XXXX.
|
| 04/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Fraudulent inquiry on my XXXX credit report. Someone used my personal information trying to get something.
|
| 02/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Although I provided continuous coverage and showed proof of such forced coverage was added to my account.
|
| 05/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have received a process for garnishment for this company and I am no form able to pay this right now.
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
CREDIT INQUIRY ONEMAIN Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
|
| 12/16/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They are trying to this account 2X charging me 2X reporting on my credit report 2X.
|
| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Dispute XXXX XXXX I didnt authorize that Dispute one main I didnt authorized it
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please CFPB please forward the documents to Onemain Financial. Thank you!
|
| 03/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
Too many phone calls, never leave message. ( 6 calls on XX/XX/20 )
|
| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Inquiries on my credit report without my authorization.
|
| 02/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Inquiry on my account I didnt approve
|
| 05/05/2022 |
No |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 01/18/2022 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 12/01/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Phone |
Servicemember |
|
|
| 06/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Fax |
|
|
|
| 06/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Phone |
|
|
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American, Servicemember |
|
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Fax |
|
|
|
| 05/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Referral |
|
|
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 05/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
|
|
Referral |
|
|
|
| 05/08/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
|
|
Phone |
|
|
|
| 05/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 04/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
|
| 04/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 04/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 04/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 04/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/15/2020 |
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
|
|
Web |
|
|
|
| 04/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 04/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 04/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 04/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 04/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
|
| 03/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Phone |
|
|
|
| 03/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 03/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Referral |
|
|
|
| 03/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 03/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 02/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
|
| 02/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Referral |
|
|
|
| 02/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
|
| 02/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Postal mail |
|
|
|
| 02/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American, Servicemember |
|
|
| 02/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 02/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 02/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
Servicemember |
|
|
| 02/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 02/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
|
| 01/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Postal mail |
|
|
|
| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 01/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Referral |
|
|
|
| 01/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 01/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 01/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 01/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 01/14/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Fax |
|
|
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Fax |
Older American |
|
|
| 01/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 01/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
Older American |
|
|
| 01/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Referral |
|
|
|
| 01/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 01/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 12/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 12/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 12/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
|
|
|
| 12/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 12/14/2019 |
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
|
|
Web |
|
|
|
| 12/12/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Phone |
Older American |
|
|
| 12/09/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/06/2019 |
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
|
|
Web |
|
|
|
| 12/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 12/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 11/26/2019 |
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
|
|
Web |
|
|
|
| 11/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 11/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 11/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
Servicemember |
|
|
| 11/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 11/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/14/2019 |
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
|
|
Phone |
|
|
|
| 11/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/24/2019 |
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
|
|
Web |
|
|
|
| 09/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
|