Flawed system auto-rejects responsible, tax-paying self-employed individuals—Need Executive Escalation
I am extremely frustrated with OneMain Financial’s online application system. I am a self-employed sole proprietor in Tennessee with multiple consecutive years of verified, filed IRS tax records proving clear, consistent income growth. Despite having clean tax records to prove my ability to repay a small loan, your system instantly issued a hard automated denial simply because I have a "thin file" / no established personal credit history. Your automated system claimed it couldn't match my information to a credit report and blocked me from proceeding, completely ignoring my tax documents and legitimate income. Your platform claims to help hard-working Americans, but your algorithms instantly lock out responsible self-employed people who pay taxes but choose not to carry traditional debt... I literally have no debt... So that excludes me??!! This system flaw needs to be fixed. I would like for a customer advocate or manager from OneMain Financial to contact me directly regarding this application so we can review my actual tax documentation manually and get this resolved before denying me without even giving a hard-working American the chance to get past the application page that is exactly, and I do mean exactly like the application process at every other place I've tried. So, what exactly even makes you any different or better for these hard-working Americans, if your entire process is absolutely identical??!!