This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 2,077 complaints

OneMain Finance Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 49 states, reputation grade F.

Complaints by issue type

What consumers report about OneMain Finance Corporation

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record onemain-finance-corporation OneMain Finance Corporation

Grade F · 2,077 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #83 · compose #481

  • VOL 2,077
  • GRADE F
  • 12MO 1,021
  • STATES 49
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #83
  • COMPOSE #481

Volume peers

Nearest volume peer: Diversified Adjustment Service, Inc. (2,175 complaints)

Lockhart, Morris & Montgomery Inc.Lockhart, Morris & Montgomer…1,957AmeriCollectAmeriCollect1,970LJ Ross AssociatesLJ Ross Associates1,975OneMain Finance Corporation (this)OneMain Finance Corporation …2,077Diversified Adjustment Service, Inc.Diversified Adjustment Servi…2,175
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

OneMain Finance Corporation's 2,077 CFPB complaints sit next to Diversified Adjustment Service, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 2,077 complaints break down

Every complaint issue type on record for OneMain Finance Corporation, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
45.8/100
OneMain Finance Corporation

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
2,077
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

OneMain Finance Corporation spreads filings across 49 states - California leads at only 10.5%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 10.5% across 49 states
Seasonal peak
2026-01 8.8%
8–15% band · 108 filings
Corpus ranks
#83 volume
#481 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does OneMain Finance Corporation compare to its peers?

How does OneMain Finance Corporation compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
OneMain Finance Corporation National average
Complaints (last 12 mo)lower is better
1,021
580
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
24%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy OneMain Finance Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 95%96%97%98%99%100%101% 10%15%20%25%30% Timely response rate (%) Dispute rate (%) OneMain Finance Corporation vs. 9 similar-volume peers, by response speed and dispute rate Diversified Adjustment Service, Inc.LJ Ross AssociatesAmeriCollectLockhart, Morris & Montgomery Inc.HSBC NORTH AMERICA HOLDINGS INC.Velocity Portfolio GroupBull City Financial Solutions, IncU.S. BANCORPReceivables Performance Management, LLC
Source: CFPB Consumer Complaint Database

OneMain Finance Corporation's complaint volume in context

OneMain Finance Corporation vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

2,077 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. OneMain Finance Corporation 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
706
Took or threatened to take negative or legal action
568
Communication tactics
315
False statements or representation
225
Written notification about debt
199
Threatened to contact someone or share information improperly
43
Electronic communications
21

Where do complaints against OneMain Finance Corporation come from?

OneMain Finance Corporation's own per-state count, not a national baseline.

Top states by complaints against OneMain Finance Corporation

Across 49 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for OneMain Finance Corporation: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2,077.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.943%.

4 peers

Know your rights before responding to OneMain Finance Corporation: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.