Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
In XXXXXXXX XXXX, I applied for the unemployment/disability insurance claim through XXXXXXXX XXXX XXXXXXXX XXXX the provider of this product for the loan accounts with One Main Financial. The company never returned my calls ; I left messages and sent emails. I filed civil suit against One Main Financial and XXXX XXXX XXXX. When I finally reached a live with a representative, she stated that my account is now being handled by the " legal department ''. After contacting the " legal department '' I was advised that all correspondence is to be done by email. I obliged, yet I received no communication in return. Then, for some reason, I was locked out of my online XXXX XXXX account, where I viewed my account activity and make payments. I had already filed civil suit against both One Main Financial and XXXX XXXX XXXX for violations of the Consumer Financial Protections Acts and Laws : first, for " furnisher violation '' stating that I was late on a payment during and Unemployment Claim, which was later found out to be false. One Main and XXXX XXXX XXXX was lax for 3 months allowing my credit score to be adversely affected by their negligence as my account was being reported late. Although, it was eventually rectified, the damage was done. One Main Financial Corporate refused to take accountability and in their defiance of their own negligence, they put a " - '' on my credit report which is ambiguous to what it means. Second, for the damage to my credit report that is irreparable. A credit report is a snapshot of a person 's honor to keep their word with a creditor who extends credit to them. Most creditors never see the borrower, they only see and use the algorithms and other prediction models that access creditworthiness based on, past debt management, income and future projection of new debt. A credit report grows and matures with time and testifies for or against the consumer. It is a powerful tool that creditors use to determine whether or not to extend credit to a person whom they only know through the Credit Reporting Agencies. Last, for continued harassment, relentless calls, threats of incorrect documentation which in and of itself was extremely ambiguous and left for the creditor to decide. This has caused oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This new matter is affecting my health. Since my insurance claim was not accepted in XX/XX/year>, I am behind on my payment. I did everything required to file my XXXX claim and was not given the opportunity to redress this with XXXX XXXX XXXX, Hence, I am being reported late every month since XX/XX/year>. When I finally received communication for my account, it was XX/XX/year> via US Mail. Currently, the counsel for One Main Financial and XXXX XXXX XXXX is XXXX XXXX XXXX XXXX, attorney, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX ; XXXX .. contacted me weeks later to advise me that she is over my account with One Main and XXXX XXXX bring it into good standing and an arrangement the past due amounts, I do not know how this could be, Yet I have not heard from her in 3 weeks. I am filing a complaint with the Attorney General of Minnesota, the FTC, the XXXX XXXX XXXX and the CFPB

Company response to consumer: Closed with explanation