2026 data Public-data reference. official source

ONEMAIN FINANCIAL HOLDINGS, LLC.

2.4K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

PlainComplaint home → About this data

2.4K consumer complaints filed with the CFPB

This profile shows ONEMAIN FINANCIAL HOLDINGS, LLC.'s complaint history from CFPB public records. 2,360 consumers have filed complaints since 2012. The company has a 99.8% timely response rate and has provided relief in 14.9% of cases.

2.4K
Total Complaints
99.8%
Timely Response
7.6%
Disputed
14.9%
Relief Provided
52
States Active
2012
Since

Total complaints

2.4K

Filed since 2012

Timely response

99.8%

CFPB-tracked response window

Relief rate

14.9%

Closed with monetary or non-monetary relief

Timely response rate 99.8%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 14.9%
Industry median

Share closed with monetary or non-monetary relief.

ONEMAIN FINANCIAL HOLDINGS, LLC. complaint mix by product

Total complaints: 2.4K

ONEMAIN FINANCIAL HOLDINGS, LLC. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 2.4K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Consumer Loan: 584 complaints (25.7%), resolution 15.1% Consumer Loan 25.7% Debt collection: 527 complaints (23.2%), resolution 19.2% Debt collection 23.2% Payday loan,: 455 complaints (20.0%), resolution 16.0% Payday loan, 20.0% Credit reporting,: 426 complaints (18.7%), resolution 8.7% Credit reporting, 18.7% Mortgage: 212 complaints (9.3%), resolution 12.7% Mortgage 9.3% Bank account: 40 complaints (1.8%), resolution 15.0% Credit reporting: 31 complaints (1.4%), resolution 3.2%
  • Consumer Loan 584 25.7% – 15% relief
  • Debt collection 527 23.2% – 19% relief
  • Payday loan, 455 20.0% – 16% relief
  • Credit reporting, 426 18.7% – 9% relief
  • Mortgage 212 9.3% – 13% relief
  • Bank account 40 1.8% – 15% relief
  • Credit reporting 31 1.4% – 3% relief

How ONEMAIN FINANCIAL HOLDINGS, LLC.'s 2.4K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Consumer Loan 584
Debt collection 527
Payday loan, title loan, or personal loan 455
Credit reporting, credit repair services, or other personal consumer reports 426
Mortgage 212
Bank account or service 40
Credit reporting 31
Vehicle loan or lease 30
Payday loan 17
Credit card 16
Credit card or prepaid card 10
Checking or savings account 10
Other financial service 2

Top States

State Complaints
CA 200
FL 174
GA 157
TX 153
NC 136
PA 134
IL 130
OH 123
SC 95
VA 78
NJ 77
NY 77
TN 60
WA 54
MI 54
IN 47
MS 45
MD 44
AL 43
LA 41

Top Issues

Issue Complaints
Improper use of your report 243
Managing the loan or lease 204
Communication tactics 175
Incorrect information on your report 164
Problems when you are unable to pay 147
Charged fees or interest you didn't expect 115
Taking out the loan or lease 98
Loan servicing, payments, escrow account 77
Struggling to pay your loan 76
Cont'd attempts collect debt not owed 75
Loan modification,collection,foreclosure 70
Attempts to collect debt not owed 67
Getting the loan 67
Problem with a credit reporting company's investigation into an existing problem 64
Problem when making payments 48
Improper contact or sharing of info 45
False statements or representation 44
Disclosure verification of debt 43
Shopping for a loan or lease 42
Problem with the payoff process at the end of the loan 42

Yearly Trend

Year Complaints Timely
2012 41 100%
2013 104 100%
2014 222 100%
2015 227 100%
2016 422 99.8%
2017 494 99.6%
2018 462 99.8%
2019 388 99.7%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About ONEMAIN FINANCIAL HOLDINGS, LLC.

ONEMAIN FINANCIAL HOLDINGS, LLC. has accumulated 2,360 consumer complaints in the CFPB public database, with filings active across 52 U.S. states. Of those submissions, 817 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2012, and the most recent logged activity is 2019-11-14, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, ONEMAIN FINANCIAL HOLDINGS, LLC. reports a 99.8% timely-response rate and has closed 84.7% of cases with a written explanation to the consumer. 14.9% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 7.6% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Consumer Loan", and the single most common underlying issue is "Improper use of your report".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating ONEMAIN FINANCIAL HOLDINGS, LLC.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

Consumer Guides

Learn more about your rights and how to interpret complaint data.

How to Read Complaint Data
Understand what the numbers mean and how to compare companies fairly.
How to File a CFPB Complaint
Step-by-step guide to filing your own complaint with the CFPB.
Understanding Responses
What different CFPB response types mean for consumers.

Related Data

Explore additional financial data about companies, lenders, and institutions on our partner portals.

PlainBankData
Bank financial data — deposits, assets, branches, and regulatory filings for FDIC-insured institutions.
PlainAdvisorCheck
Financial advisor records — SEC and FINRA registration, disclosures, and disciplinary history.
PlainCU
Credit union data — financial performance, membership, rates, and NCUA regulatory information.
PlainInsurer
Insurance company data — financial strength, complaint ratios, market share, and state licensing.
PlainLender
Mortgage lender data — HMDA loan originations, approval rates, interest rates, and lending patterns.

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does ONEMAIN FINANCIAL HOLDINGS, LLC. have?

ONEMAIN FINANCIAL HOLDINGS, LLC. has received 2,360 consumer complaints filed with the Consumer Financial Protection Bureau.

Does ONEMAIN FINANCIAL HOLDINGS, LLC. respond to complaints on time?

ONEMAIN FINANCIAL HOLDINGS, LLC. has a 99.8% timely response rate to CFPB complaints.

What is the most common complaint about ONEMAIN FINANCIAL HOLDINGS, LLC.?

The most common issue reported against ONEMAIN FINANCIAL HOLDINGS, LLC. is "Improper use of your report" in the "Consumer Loan" product category.

Read our methodology — how this data is sourced, computed, and verified.

Related

Browse all → | Rankings →