CFPB · Diversified product mix
Onemain Financial Holdings, LLC.
2.6K CFPB complaints · diversified mix (top product 24.6%) · top issue Improper use of your report.
Onemain Financial Holdings, LLC.: top product "Consumer Loan" is only 24.6% of 2.6K - multi-bucket mix. Timely 99.8% · relief 15.8%. Allegations, not findings.
- Diversified product mix
- +987.8% filings 2012 to 2019
CFPB relief outcome brief
CCDB company onemain-financial-holdings-llc
15.8% relief · 99.8% timely · 2.6K filings · Consumer Loan
Same-product relief peers
Nearest relief peer: Security National Automotive Acceptance (14.4% relief)
Onemain Financial Holdings, LLC. closes 15.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Onemain Financial Holdings, LLC. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on closed with explanation (70/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
74 / 100 percentile-benchmarked
15.8% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
70 / 100 percentile-benchmarked
83.8% of complaints closed with an explanation to the consumer
Most of Onemain Financial Holdings, LLC.'s 2.6K filings include narrative text
41.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Onemain Financial Holdings, LLC. complaint mix by product
- Consumer Loan 650 25.5% – 15% relief
- Debt collection 576 22.6% – 20% relief
- Payday loan, 543 21.3% – 19% relief
- Credit reporting, 489 19.1% – 9% relief
- Mortgage 221 8.7% – 12% relief
- Bank account 40 1.6% – 15% relief
- Vehicle loan 35 1.4% – 26% relief
Higher-relief mix: how Onemain Financial Holdings, LLC.'s 2.6K complaints split across CFPB product categories.
Complaints by Product
| Product | Complaints |
|---|---|
| Consumer Loan | 650 |
| Debt collection | 576 |
| Payday loan, title loan, or personal loan | 543 |
| Credit reporting, credit repair services, or other personal consumer reports | 489 |
| Mortgage | 221 |
| Bank account or service | 40 |
| Vehicle loan or lease | 35 |
| Credit reporting | 34 |
| Payday loan | 18 |
| Credit card | 17 |
| Credit card or prepaid card | 11 |
| Checking or savings account | 10 |
| Other financial service | 2 |
Nationwide filing states for Onemain Financial Holdings, LLC.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 8.4% of this company's filings
Onemain Financial Holdings, LLC. rising annual filings
Annual filing volume from the CFPB public database
- 2019
- 446
- +987.8% vs 2012
Volume vs. relief
Where Onemain Financial Holdings, LLC. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Onemain Financial Holdings, LLC. files more complaint volume than 47% of them, and closes complaints with relief more often than 76% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 2,646 · Closed with relief: 15.8%
Top States
| State | Complaints |
|---|---|
| CA | 223 |
| FL | 193 |
| TX | 189 |
| GA | 169 |
| PA | 148 |
| IL | 146 |
| NC | 146 |
| OH | 134 |
| SC | 104 |
| VA | 88 |
| NJ | 82 |
| NY | 81 |
| TN | 67 |
| WA | 65 |
| MI | 57 |
| IN | 56 |
| MD | 53 |
| LA | 49 |
| AL | 48 |
| MS | 47 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 272 |
| Managing the loan or lease | 234 |
| Incorrect information on your report | 192 |
| Communication tactics | 185 |
| Problems when you are unable to pay | 158 |
| Charged fees or interest you didn't expect | 135 |
| Taking out the loan or lease | 113 |
| Struggling to pay your loan | 91 |
| Attempts to collect debt not owed | 88 |
| Loan servicing, payments, escrow account | 82 |
| Cont'd attempts collect debt not owed | 80 |
| Getting the loan | 75 |
| Problem with a credit reporting company's investigation into an existing problem | 72 |
| Loan modification,collection,foreclosure | 71 |
| Problem when making payments | 60 |
| Problem with the payoff process at the end of the loan | 54 |
| False statements or representation | 50 |
| Shopping for a loan or lease | 49 |
| Improper contact or sharing of info | 46 |
| Disclosure verification of debt | 43 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 41 | 100% |
| 2013 | 104 | 100% |
| 2014 | 222 | 100% |
| 2015 | 253 | 100% |
| 2016 | 470 | 99.8% |
| 2017 | 549 | 99.6% |
| 2018 | 561 | 99.8% |
| 2019 | 446 | 99.8% |
Source: CFPB Consumer Complaint Database
Onemain Financial Holdings, LLC. spreads across product buckets
Onemain Financial Holdings, LLC.'s 2,646 logged complaints reach a nationwide footprint - 52 states have at least one filing. 41.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2019-11-20.
Onemain Financial Holdings, LLC. answers 99.8% of complaints inside the CFPB's tracked window and closes 83.8% with a written explanation. 15.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Consumer Loan" draws the most filings, most often for "Improper use of your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Onemain Financial Holdings, LLC..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Onemain Financial Holdings, LLC.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 2.6K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
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.
Data sourced from official public datasets for Onemain Financial Holdings, LLC. (#183 of 342; 99.8% timely; 15.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix