Consumer complaint received 2020-09-18
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
One main financial solutions Debt consolidation loan 3 year term XXXX loan amount applied. 
Reason : lower montly payment and lower intrest rates, one payment. 
Agreed to : montly payment XXXX monthly Lower intrest rate, and lower payments. 
Adds on unaware : credit insurance What was explained off offered with the loan a great product for 3 years life of loan. 
What was hidden : option never was told that it was a add on with added cost. 
Loan fee never revealed cost or amount. 
I ask for loan documents was denied explained I could log in to site and and obtain, tried but website didn't offer that category to download, called office and office assured me they would mail out, never recieved till this day Loan amount didn't cover all credit cards I asked if I could have all credit cards consolidated.after speaking to them assured me that they would. 
Amount they showed I was receiving loan amount for XXXX ... 
Never recieved check for the credit card added to consolidation called and company assured me that they would send check to cover credit card my credit card company never recieved. 
Problems intrest rate changed. 
Called no response by email or phone. 
Experiences job loss applied for credit involuntary insurance XX/XX/2019 I was approved through ohio unemployment for unemployment. Filled all nessary paperwork. I then spoke to insurance company filled the same paperwork out 15 times, finally called emailed, recieved letter of involuntary insurance approved, payments were made XXXX XXXX.4 month, applied payments to XXXX verses back paying approval payments till when I applied in XXXX all XXXX payments and XXXX payments went to intrest only. 
And added late fees for the same company who owns the note owns the insurance company also companies corrspond with each other knowing that they would cost be my loan loan balance and they could collect on intrest wrong of them. 
XXXX payment XXXX XXXX payment only XXXX not full payment .XXXX  cancel my insurance with no communication to me and adjusted insurance amount as a fee and added on to my loan. 
I left messages and emails no response. 
After no knowing of this issue was late on payments and added intrest and late fees.paid XXXX for most of it to go to intresr and late fees. 
They ran a hard inquiry on credit report without my permission and change my note term to 5 years verses 3years. Reported me late which was not my fault due to unaware of canceled insurance. Paid a double payment for the month and still payments all go to intrest and less principle. Statements are incorrect with intrest amount and when a payment reflex more goes to intresr than according to my monthly statements. 
I again ask for loan papers was told my email loan has transfer out even though I make monthly payments to same branch every month. Also was not given information who to contact to obtain my loan hard copies and no one cares to help. If im late on payments im harresed by phone and email 100 times a day but if I call when payments are on time I get no response or help from anyone. Especially when it was not my fault I was late due to approval of insurence at the time. 
Please help me resolve this matter my loan was approved 1 year ago and my balance is the same amount still the same amount XXXX I have saved no money consolidating my credit card and consolidation has cost me more and a bigger balance to pay than before I can my debt I thought and was told that consolidation is the way to go why would I if it cost me double now.

Company response to consumer: Closed with explanation