Mcburberod Financial, Inc. d/b/a SeedFi CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	KY 40065	Web
I got the so-called credit builder ( or I thought it built credit ) loan in XXXX wherethey gave me {$1500.00} ( I only wanted an outright loan, but they only gave me this option and tacked on {$2500.00} in " savings '' that I couldn't touch with the gouging interest rate of XXXX XXXX. That is pretty much the highest interest rate they had with the highest loan they had, and I got this loan with a credit score of XXXX and an income of around {$34000.00} gross income with a huge debt burden already ( I think it was {$8000.00} XXXX then maybe more ). Most personal loans were denied me. I don't understand why I was even offered this. It is predatory. Oh, and the payments were {$200.00} a month. A HUGE burden. I was trying to use this to pay off loans, to improve my situation. I thought that would increase my credit, and I could pay off this predatory loan with huge payments, the only way it would have been worth it. Instead my credit barely changed until recently ( but my debt burden is so high, I still only can get payday loans which are worse ). My debt increased a huge amount. I started having to take out cash advances, other small loans, and starting getting late on bills which I've never done before. I have since had to borrow $ XXXX from my mother with no end in sight to having to keep asking for money as well as constantly using my cash advances. Plus I've had help from family knowing I was struggling, so extra help besides that. I'd been managing ( tight, but without any help, any late bills, any cash advances ) my previous debt ok, but after I got the SeedFi loan, it all snowballed and I was looking at what if I had to file bankruptcy, and then I found out about debt management programs and entered a debt management program with XXXX ( which Seedfi refused to work with after saying they would ) and which caused my credit cards ( including one I initially tried to keep out of the program to close, my longest credit history! ). I've paid {$1300.00} of the {$1500.00} I've received to date from SeedFi. 1 ) Predatory lender 2 ) Absolutely uncaring and unwilling to work with me in any way. I understand the terms of the loan. I didn't understand the financial repercussions or the toll on my credit. I signed documents for other lenders and they were all willing to work with my debt management company. 3 ) They have lied about helping on their website and in comments to me. I know they can waive that portion of the loan they didn't give me. They just don't want to. 4 ) I tried emailing. They didn't like what I was asking and instead of providing an alternative, just flat out refused me. 5 ) I tried leaving reviews to get a response. All they said was that they were responding or they would help except they didn't, it was cyclical, saying I was getting answered and then just copying and pasting terms or that saying someone was already talking to me. 6 ) Lied in response to a review that they would be willing to work with my debt management XXXX ) I tried having my debt management program ( a program the burden of Seedfi 's loan pushed me into!!!! ) to work with them, but they wouldn't negotiate at all. XXXX ) I filed with the XXXX. Their only response was to state my loan terms. XXXX ) They are literally ruining my life. XXXX ) I was trying to avoid bankruptcy but I'm not sure it's possible unless they relent.
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
02/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 80134	Web
On XX/XX/23 I called and spoke with XXXX at XXXX I asked to facilitate the process to have the funds deposited into my account the same one making payments.XXXX stated it would take up to 20-22 business days for them to verify the funds and issue the payment of my funds via direct deposit. Per the contract I signed with Seedfi the my funds would deposited into my account with 2 business days after the funds cleared the account. I did not consent to my account being transferred to XXXX and the customer service is awful. I was told I could not file a complaint with them that I would need to call Seedfi at XXXX to file a complaint. I called Seedfi at XXXX MST XX/XX/23 to file a complaint and was told there is nothing they can do as they do not service the loan anymore. She also informed me that they have received numerous complaints about the customer service received and all they can do about it is document it and feedback to the loan servicer to correct the issue. It should not take a whole to get the funds from my account. I called back XX/XX/23 XXXXMST and spoke with XXXX and he said there is nothing to do as they do not service the account anymore and can not hold XXXX accountable to the loan processing timeframes they previously adhered as they do not service the account and it is up to XXXX to honor the agreement or whatever processing timeframes they have set forth. I signed the contract with Seedfi I was not given the option to pay my contract in full to avoid it being transferred to XXXX. I did provide consent to this transfer either. At this point with both companies neither wants to take responsibility for not upholding the terms of the agreement I signed. It is unacceptable to make a consumer wait 22 business days to receive the funds when the account was paid in full. Previously when I had the account with Seedfi the funds were released within 2-3 business days after I paid the account in full. XXXX is not upholding the contractual obligation being the loan servicer. I did not sign any paperwork stating I would adhere to new contractual terms with the assignment of my to a different loan processor.I want my funds without waiting this ridiculous 22 business day which is no where in the contract I signed!!
05/21/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 34609	Web
SeedFi offered a credit line of {$1000.00} with monthly payments by debit/ach into a separate savings account that is available for withdrawal at {$500.00} increments. in exchange for the consideration of the monthly payments, SeedFi will report a tradeline to the credit bureaus of {$1000.00}. the contract states that the tradeline will be removed only if i default on the payments or prematurely close my account. i always kept my account in good standing and met my obligations under the contract. SeedFi sold to XXXX and terminated my account after the sale, rather than maintain and service the existing accounts when XXXX XXXX institution buys another. because the value of the company sold/purchased is determined by its accounts. In doing this, XXXX defrauded me by accepting monthly payments ( civil theft ) without giving me any consideration for my payments by giving me the product i was enticed into paying for : credit reporting of {$1000.00} trade line. XXXX removed the tradeline from XXXX, causing my score to drop XXXX points, instead of keeping it open or report is as closed and good standing. removing the tradeline entirely makes the entire transaction and contract fraud and unfair and deceptive trade practices. the credit line, loan payments made, all for nothing and resulting in the opposite of what they advertised : negative credit score, rather than a positive improvement. the SeedFi tradeline created an increased credit score after payments were reported. when XXXX suddenly removed the tradeline, it resulted in the loss of any credit reporting benefit retroactively, resulting in XXXX XXXX being enriched by monies i paid them under false pretenses. XXXX XXXXSeedFi violated federal credit reporting law, TILA, TISA and other federal laws and regulations concerning credit, banking and lending.
01/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 374XX	Web
In XXXX of XXXX, I obtained what was called a " Borrow and Grow '' loan through SeedFi. I maintained payments on this loan religiously, and was then informed of XXXX of XXXX that Seedfi was selling our loans to another company by the name of XXXX We were told that our loan terms were going to remain the same, that nothing would change. With Seedfi, we were told that we have a savings account at XXXX XXXX XXXX I paid my loan of early, on XXXX, after XXXX retained credit card information that they were explicitly told not to retain and made that the default payment on my account. This could have presented an issue, however, I was able to take care of it before it became one. I have spoken to multiple people at both Seedfi and XXXX and no one can tell me when I will have access to my savings money. It was my understanding it would be released within 7 days, which is a reasonable amount of time. XXXX says it will most likely be more than 30 days ... .that isnt what my contract with Seedfi stated. Seedfi tells me that they have had issues with customers complaining about the same thing as far as not having access to their money when they should. Seedfi also tells me now that they can not assist me whatosever, as they have sold the loans to XXXX I have been hung up on multiple times with both companies when I call to inquire. I feel like they have stolen {$1500.00} from me. Could you please help me figure out what they are doing with my money and when I will get it? I have practically begged them to release my money. I have almost lost my vehicle and better waiting on my money to be released. XXXX XXXX has never had an account in my name according to them also. I gave them a call when neither company would answer my questions. Ironic since that is where my savings account was supposed to be housed.
12/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	VA 22150	Web
It was in XX/XX/XXXX I took a personal loan with the following XXXX XXXX XXXX XXXX XXXX Plan Loan & Saving = {$4000.00} Amount granted to my account = {$1500.00} Total Payments I made = {$2200.00} [ Earlier than expected - in 10 months I paid this amount ] Then They sent me a statement applying the total payment as follows : 1 - Loan of {$1500.00} settled with interest, which means total payments applied {$1900.00} fully covered the loan amount they credited to my account [ {$1500.00} ] and interest [ {$450.00} ] 2 - Amount Applied to Savings [ {$2300.00} out of {$2500.00} ] Then At the beginning of XX/XX/XXXX, an unknown company [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me an email for which my Seedfi account had been transferred to them with out my prior knowledge. Something Phishing! started over. Then I tried to check my account and statement at Seedfi account login - their system shown no Seedfi info available. They deleted the whole information and vanished. Then I responded to the emails of XXXX and expressed my disappointment and the balance they requested me. They said still I owe them the above savings grow plan. I informed them clearly with all my payments and the initial amount of loan credited to me as follows : Finally, I requested cancellation of my savings plan and refund of my hard earned savings balance i.e. {$280.00}. NO RESPONSE REACHED ME TO THIS DATE. Then An email from SeedFi resurfaced and requested further payment {$200.00}. For what???? Then SeedFi grabbed all my savings {$280.00} and asked me further charges of {$37.00} in effect they took {$320.00}. Now I suspected totally a phishing and scam activity committed by these companies : - SeedFi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44313	Web
TO WHOM IT MAY CONCERN : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report. Seedfi/XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written Instructions to furnish this on my credit report? Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX
01/03/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 93446	Web
I signed up with SeedFi to repair my credit back in XX/XX/2022. Everything was great including the business concept and their promise to their customers. As part of the contract, {$750.00} will be credited to me and I need to make payments of {$100.00} every XXXX weeks. Every time I make payments, it will help me gain scores on my credit. Another benefit is, after I fulfilled the loan, I can withdraw the savings. During the course of my contract, I have made XXXX payments on time, a total of {$1900.00}. They usually send texts to let me know that my payment was successful. But after XX/XX/2022, I havent received a text that I made the {$100.00} payment. So I logged into my account to check. First thing I saw was the XXXX points on my credit score. Not only that, but they apparently sold my contract to a collections company called XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) without my knowledge. Now, XXXX is showing that I owe them {$3000.00}. And they dont have any savings plan like what SeedFi had. This is a criminal act, SeedFi is not an honest company! I emailed SeedFi that I want my contract to be nulled and be refunded since my contract is with them and not with XXXX. They can keep the {$750.00}, I asked for the rest to be returned to me. Instead, they acted as if they have nothing to do with me anymore, that I have to deal with XXXX. I emailed XXXX XXXX times but as if today, no response. This has been a very stressful situation for me and for everyone else that was under the contract. SeedFi and XXXX should be fined, they mistreated their customers to the levels I have not seen before.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	GA 317XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Mo XXXX Attn XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX/SEEDFI it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal. Since you failed with supplying these documents as the federal regulations states, delete the above account from my three consumer reports. XXXX XXXX ( All Rights Reserved )
11/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 150XX	Web	Servicemember
Seedfi is the most ominous company Ive ever worked with and I wish I had read the reviews before committing to a loan with them. I signed up for something like a credit builder loan. Every single due date, which is twice a month, theyve charged me more than once. I had to repeatedly reach out to them to get the to push payments forward, refund multiple payments, and finally cancel my autopay. This last time, they took two payments out for my due date and told me theyd move the second payment forward so I wouldnt owe money at the beginning of XXXX. StillC they withdrew a payment from my account. It took them an unreal amount of time tor refund this second payment to me and I had them cancel my auto payment because I couldnt trust them to accurately manage my account without my supervision. Finally, I received an email at more than half of my last payment was going towards fees with no description of what those fees were, and the remainder was going towards interest. I emailed them on XX/XX/XXXX asking what fees I was paying and no one has ever gotten back to me despite me following up more than 3 times. At this point, I feel like they are practicing unfair and deceptive business practices and Id like nothing more than to pay exactly what Ive borrowed back immediately and nothing less. They are still holding XXXX of dollars of money they essentially owe to me as part of this credit building loan and I have little faith Ill ever actually see that money.
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NV 89119	Web
I contacted seedfi on XXXX XX/XX/2022 about my {$240.00} that was supposed to be refunded to my XXXX XXXX XXXX account as they closed out XXXX by account on XX/XX/2022 They stated it would take XXXX to XXXX business days for me to get my money back. Now as of today XX/XX/1222 they're saying that they're keeping my {$240.00} that I had paid into the account as the account is XXXX XXXX for you to save money and it locks it in until you reach a certain amount of money then you're able to get your money back but they report all this as a loan on your credit So you can build credit history but really the company never really gives you any money that you can go and spend your anything like that it's all fake. So now they're saying they're keeping my money because my original agreement with them was that they would give me a {$1000.00} loan which I would have to pay back But really they never gave me any money they goes into an account and then it was locked until I reached that certain amount now that they're closing out my account they're refusing to give me back my {$240.00} that I paid in to them they never gave me the other {$760.00} they're saying that I owe them. This is crazy like they're basically just robbing me for my money and closing out my account and not allowing me to pay the other {$760.00} in order to get back my {$240.00} that I gave them I don't even think this service should be legal.
05/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33611	Web
I took out a XXXXXXXX XXXX XXXX XXXX XXXX loan through Seedfi in XX/XX/2022. I was paying this loan as scheduled and had every intention to pay it off and complete the contract. However, Seedfi transferred my account to a company under moniker XXXX in XX/XX/2022. When the account got transferred over from Seedfi to XXXX, Seedfi did not sens over the proper/updated documentation for my loan. So, all the payments i had made to Seedfi were not being recognized by XXXX. To further that, XXXX is claiming i had owed them {$4000.00} which made no sense! I immediately reached out to Seedfi for assistance but they refused to assist me and redirected me back to XXXX who refused to accept any supporting documents i had to prove that their information was wrong. Initially, when XXXX took over the account, they had no online platform. They had issued an email to a link that was broken and did not work. To further that, they were sending me e-letters also through email regarding my account that i could not access due to it requiring a passcode which they never provided even when asked. They proceeded to harrass me with calls and continued to give me the run around from XX/XX/2022 and this account became neglected due to all that. I just found out today that this account was sold as a debt to another company and i am completely and utterly frustrated to say the least!
03/23/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CA XXXXX	Web
On XX/XX/XXXX, I was approved for a {$7000.00} hybrid loan from SeedFi. {$4000.00} available immediately, and {$3000.00} secured in a 'locked ' savings account. The monthly payment was {$320.00}, which I kept current. On XX/XX/XXXX, I received an email from SeedFi stating that my loan was being taken over by their 'trusted partner ', XXXX. The monthly payment was still {$320.00}, which I kept current. On XX/XX/XXXX I decided to pay the loan off and have the savings account unlocked. I initiated a payment of {$4000.00} which was processed, and deposited, by XXXX on XX/XX/XXXX. I immediately called XXXX and asked them to release the lock on the savings account so I could access the much-needed funds. Was told they would unlock the funds and have it deposited to my checking account as soon as possible, but no later than XX/XX/XXXX. It is now the end of business on XX/XX/XXXX and I still do not have the funds. Furthermore, XXXX outright lied on an email to me about the payoff of the account, claiming it was XX/XX/XXXX ( please see attached document ). The payoff was 17 days earlier. Furthermore, XXXX initiated an auto-withdrawal from my checking account AFTER I paid off the account even though I have called numerous times informing them the auto-withdrawals need to stop immediately. In total, SeedFi/XXXX owes me {$3300.00}, DUE IMMEDIATELY.
04/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 150XX	Web	Servicemember
At the beginning of the year XXXX, a credit builder loan I had taken out with Seedfi was sold off to XXXX. My experience was them as been nothing but negative, but tolerable until recently. I contacted XXXX on XX/XX/XXXX to advise that my pay schedule from work was being changed. Because Seedfi/XXXX set up my payments to be taken on my pay schedule I requested that they change my due date to align with my pay schedule. I called again on XX/XX/XXXX, and again on XX/XX/XXXX to ensure that this change was made. On XX/XX/XXXX, I started receiving numerous phone calls where the caller wouldn't say anything but when I called back, the number went to XXXX. I then received an email stating that I missed my payment due XX/XX/XXXX and I would be reported negatively to the credit bureaus. I called then twice on XX/XX/XXXX and spoke to two separate people who told me my due date could not be changed but once I made my payment on the XXXX, I would be ahead of schedule. I insisted on speaking to a supervisor and they refused to connect me. I feel like this is a scam-like organization who profits off fees and interest. I've spoken to them several times and was never told my due date could not be changed. I never agreed to have my loan sold off to a 3rd party, I was never delinquent with Seedfi to have my loan charged off to collections.
04/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 73071	Web	Older American, Servicemember
I took out a borrow and save account with Seedfi last year where they loan me {$1000.00} and put {$2000.00} in savings for me for a total loan amount of {$3000.00}. And after making all of my payments on time for six months via automatic bank drafts, a company called XXXX suddenly drafted the next payment from my account WITHOUT MY AUTHORIZATION! They also claimed that I still owed {$2500.00} after I already paid {$1100.00} to SEEDfi. I disagree with this amount and the rate of interest which is much greater than advertised. I told them that they can take out the {$2000.00} they supposedly put into savings for me, but 'Oh No that's impossible ' they say. They can not change the contract they say, when in fact they already did. I DID NOT sign any contract with SST or one that mentions SST anywhere in the contract. After reading all of the other complaints about SEEDfi, I am certain that they are a scam company and I will not deal with them anymore. Meanwhile SEEDfi is destroying my credit now. It has dropped XXXX points in one month because they are reporting that I still owe {$2500.00}. I hope that there will be a class action lawsuit against these scammers. Please count me in any class action against Seedfi and XXXX. And please notify all complainants here about any class action lawsuits against these scam companies.
09/28/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CT 064XX	Web
Its very difficult to try and contact SeedFi for my credit builder limited edition XXXX XXXX. Its being reported by the company that I still owe {$180.00}. This was my loan reminder in XX/XX/2023. Account hasnt been updated whatsoever and everytime I dispute through XXXX they say the company reports its accurate/verified. Its simply cant be as I have a screenshot of my loan being 100 % paid back. Its a ring a round loop trying to call SeedFi customer service phone number as it goes straight to XXXX XXXX customer service or another company because SeedFi integrated with XXXX XXXX, XXXX XXXX cant help me if Im trying to get my XXXX credit report fixed, I send emails but only get automated emails back asking for last XXXX digits of social which I always respond and nothing, I call XXXX to dispute and its too the point I cant specifically dispute SeedFi on my XXXX credit report because I keep disputing. I made XXXX more disputes through the phone and still information says its reported accurate. I sent documents showing why the decision is wrong and still they wont report the loan as paid/closed. I do not owe SeedFi anything. In XXXX the account was reported closed/Paid off but for some reason after XXXX it was back opened and ever since trying to report it wrong it has not been fixed.
12/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33619	Web
In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with SeedFi. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX am, I received an email from SeedFi stating my account would no longer be serviced by Seed Fi and that XXXX XXXX XXXX XXXX XXXX XXXX or XXXX would be taking over. After making my payments of {$60.00} every XXXX weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and XXXX is holding up the process. I have received several different responses to my inquires from XXXX, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with SeedFi. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between Seed Fi and XXXX, they need to figure out a better way to get customers what's owed to them.
07/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90631	Web
I have a loan/ savings account with Seedfi and am now paid off on the loan portion of it. The rest of the life of the account requires me to pay {$100.00} every two weeks which goes into a savings account through their company that I would have access to once I have contributed {$2500.00} total. According to the app I have a {$300.00} credit towards this savings account so far. I asked to have them close the account since I can no longer afford to put this money aside to " save '' and not have access to at all and they are refusing. I have asked 7 times now. They state the " only '' way to close the account is to pay the entire savings amount and then they release my own money back to me. It is getting negatively reported to the credit bureaus. They refused to close the account which also has a section on their loan agreement on section XXXX which allows me to close it at any time, and I stopped making payments because I can't afford them any longer so is there anything I can do to get around this? I have requested to have the account closed over 7 times from them in writing and get the same answer ... I have to " pay it in full '' even though I'm technically paying to myself in the long run and the loan portion is paid off. Thank you!
03/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 440XX	Web	Servicemember
I believe in XXXX I opened a loan with Seedfi that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX Seedfi transferred these loans to a provider called XXXX. XXXX never had information about the savings account as it still shows locked with Seedfi. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today 10 days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes 22 days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.
04/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 34219	Web
In XX/XX/2021, I took out a personal loan with Seedfi.com who bases their company on helping people build credit. The initial loan was for XXXX. XXXX was received upfront and XXXX was put into a locked savings account that would not be open for me to withdraw from until I paid off the loan. The FAQ questions on the website gave a vague answer that it would take " several business days '' for the savings to unlock. The loan agreement did not address it at all. On XX/XX/XXXX, I paid off my loan in full of around XXXX. The loan payment processed and the account showed paid, but my savings account was still blocked. I called the company and they told me that with large payments it can take 7-10 for your savings account to unlock. I explained this information was not in the loan document or on the website and that if that was the way it was ran, the consumer needed to know that upfront. There is no time guidance on the loan document. They finally told me my loan would release today. Nope. Now they are saying they don't know when the " system '' decides that. I can not talk to anyone who can release my money.
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	NY 11691	Web
I opened my account with Seedfi/XXXX XXXX XXXX XXXX XXXX XXXX This company sets you up with a loan that you are paying off every 2 weeks or so, they report it to the credit buearu and it was supossed to help build my credit, which it was until XX/XX/XXXX. XXXX XXXX, I received an email stating that my loan was being transferred to another lender, and there was nothing to do on my end because everything would be the same. XX/XX/XXXX. My score dropped XXXX points, and this was the only change to my credit report since the switch of lenders. I have called XXXX XXXX to fight this and have also disputed this through XXXX XXXX several times. They claim the info is accurate but im not seeing how it's fair for my credit to take such a hit when I had no other changes, no delinquencies or anything and trying so hard to build my credit. XXXX XXXX tells me to call XXXX, XXXX tells me to call XXXX XXXX. I ve even disputed this directly through XXXX and XXXX directly. I specifically picked Seedfi because I moved to another state, and now I am unable to get an apartment with my credit score. Please help
05/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 46037	Web
I signed up for an installment/credit boosting loan with SeedFI. I would receive a certain amount up front and the rest would be locked into a savings account with XXXX. On XX/XX/2022, Seedfi notified us that they were 'transferring '' our accounts to XXXX. XXXX is a collection agency who does predatory practices notably all over XXXX with terrible reviews on consumer websites. SeedFI sold out information and gave it to a company who harasses and has no real answers on the process. SeedFi also does not answer any further questions because they washed their hands after they sold all of our loans. It has been a nightmare dealing with XXXX. I have made payments with my proper checking account and they are reversing them. I want my account closed and my balance paid off and the difference sent to me as soon as possible. This complaint is against SEEDFI for violating my right to privacy and giving my information to a company that is not up to standard. The complaint is also against XXXX for their lack of good business practices. I want my account closed & paid off immediately.
07/08/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MO XXXXX	Web	Servicemember
I HAVE BEEN PAYING SEEDFI FOR OVER A YEAR AND WAS WORKING ON INCREASING MY CREDIT SCORE. WE TOLD BY COMPANY ( SEEDFI ) THAT IF I PAID A CERTAIN AMOUNT BIWEEKLY I WOULD BE APPROVED FOR A {$500.00} CREDIT CARD AND IT WOULD INCEASE MY CREDIT SCORE ... .SO ABOUT LAST YEAR SOMETIME, I RECEIVED A CALLFROM XXXX OFFERING ME A LOAN FOR {$1700.00} AND TOLD THE LOAN AND WAS TOLD I WOULD BE PAYING {$110.00} BIWEEKLY. WELL I STARTED TO STUGGLE MAKING PAYMENTS BECAUSE I WAS OFF DUE TO COVID LAST YEAR AND I JUST FINALLY TRIED TO SPEAK WITH SOMEONE ABOUT THIS. I WAS TOLD I COULD NOT REDUCE MY PAYMENT AND IF NOT PAID THEY THREATEN TO REPORT ME TO THE CREDIT BUREAU IF NOT PAID IN FULL. I HAVE SPOKE WITH SEVERAL PEOPLE ABOUT THIS ACCOUNT, I EVEN ASKED THEM TO LET ME JUST PAY OFF THE LOAN, THEY TOLD ME NO AND THAT I OWE THEM {$4200.00}, THEY SAID THE INCLUDES THE {$2500.00} THEY HAVE IN A SAVINGS ONCE I PAY-OFF THE TOTAL AMOUNT DUE. I AM SO CONFUSED AS TO WHY I OWE THEM SO MUCH. I DON'T WANT TO BE IN THE PROGRAM ANYMORE AND WANT TO JUST PAY OFF WHAT I ACTUAULLY OWE. PLEASE HELP.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43201	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, seedfi XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 35160	Web
I took out a loan with this company back in XXXX, XXXX. For the amount of {$2000.00}. The company deposited {$500.00} into my account and kept {$1500.00} in their savings account. I was told I would have access to this money, once I paid off the rest of the loan in full. I paid off the remaining part of the loan on XX/XX/XXXX. When I paid it off, I was told I would not have access to the savings until the payment was processed. The payment was processed two days later ( XX/XX/XXXX ). From this day after, I have tried to withdraw my money, however within 24 hours. The money is always returned to the Seedfi saving account. I have reached out the company multiple times. They told me to wait a week for their system to update, then I will be able to withdraw the money. I have waited a week and my withdrawal is still not working. The money is still being deposited back into my account. I think the company is trying to keep my money, in order for me to take out another loan with them.
07/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	HI 968XX	Web
I requested and was granted by SeedFi a payment accommodation ( deferral ) plan in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. SeedFi reported me late to the credit bureaus adversely affected my credit. SeedFi was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. SeedFi was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. SeedFi failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
12/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 755XX	Web
To start things off, I had no issues with Seedfi in the beginning. Great company and great staff. I have been on their grow plan which means I was paid a small loan while the rest of my payments were put in saving accounts which was to build credit. On XX/XX/XXXX, without any warning, they announced they sold their company and transferred all of our payments and savings to a different company called XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. This new company comes off very unprofessional and shady, the review on XXXX is XXXX star even, and has been sending people back to Seedfi for answers while Seedfi sends us all back to XXXX to get the same answers. My locked savings that I can't even get now because of the back and forth between these two companies is worth more than what I owe. I want nothing to do with the new company that we were all sold off to without warning. They also have introduced late fees and more that weren't even part of the contract.
03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	CA 92027	Web
My family and I have been affected by COVID19 so I longer hold employment. SEEDFI is still forcing me to continue my payments when I clearly told them I wouldnt be able to afford the payments of {$200.00} a month to report positive payments on my credit profile. Once I told them I could no longer afford the payments they deferred payments for 2 MONTHS I was behind on one payment and they advise me that they already gave me a grace period and if I didnt make a payment they were going to report negative information on my credit profile. I tried explaining to the company that it isnt like I dont want to pay, Im just not working right now and cant afford it. Ive work extremely hard to build my credit profile to change my familys lives. Id like to someone how close this account and remove this company from reporting due to the stressful situations this is causing no only for me, but my family as well. Thank you.
02/27/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	FL 349XX	Web	Servicemember
As of XX/XX/2023 I am in discussion by e-mail with Seedfi. about closing an account that I have with them. They are telling me that when they close my account it could negatively effect my credit rating. I never borrowed money from them, they are holding my money in what I thought was a savings account linked to my XXXX debit account- but it's actually some type locked savings account, for the purpose of building credit. The account was too easy to set up via cell phone, and gave the appearance that it was just another XXXX account - a savings account to be exact. I've figured out over the last few months that its not a part of XXXX and the funds are not accessible. I want my money returned with no penalty. But I'm being told that my credit report could be impacted negatively, as if a threat to keep me from closing my account. They have no control over this?
04/24/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	IL 60625	Web
In XX/XX/XXXX Seedfi sold their loan agreements/debt to a company call XXXX without my knowledge, I made one payment with XXXX on XX/XX/XXXX to try and stay on track with my loan payment, however I noticed that the payment never reported towards my loan or to my credit report so I stop making payments and tried to contact Seedfi. No one was able to help. Now here we are in XXXX and XXXX has reported to my credit stating my loan is 90 day past due with isn't true. I made two payments with Seedfi that haven't we towards my loan balance, those two payment were made on XX/XX/XXXX and XX/XX/XXXX. my three payment made to XXXX were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has stated that no payments were made with Seefi or their company with has negativity affect credit. i've called both companies and resolution has been provided.
12/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28226	Web
Seedfi switched all account with Zero notice to a new loan service where customers can not view any of their original loan documents and are not given a website and I correct contact information for the company. on top of this Seedfi transfered bank account information without consent to these companies and stated they were authorized to withdraw from your bank accounts without authorization from the customer. Seedfi gave away all personal information of their customer to another company with zero notification prior to their customers. This company has my email, full bank account and routing as well as additonal personal information. in additon you can view the full structure of the original loan on the new loan company website. All of this was sent out the day access was cut off by seedfi. Customers were given NO prior warning
01/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 287XX	Web
In XXXX of XXXX I applied and was approved for a borrow & grow loan through SeedFi. I signed a contract with SeedFi, to pay SeedFi. I agreed to payments to SeedFi. Now, as of XX/XX/XXXX I was notified they would not be handling my loan, it would be with a company called XXXX. I was on automatic payments with SeedFi and told through email and the SeedFi application there was nothing I needed to due. That was not the case. My payments did not continue. When reaching out to customer service for XXXX I was told there would be a late fee plus payment due. I was not able to set up payment online, and SeedFi is in breach of contract selling my loan to a third party. Now, Im having to try to get caught up with a company Im not familiar with, has a horribly outdated website, charges different fees, and I didnt agree to work with.
12/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77532	Web	Servicemember
I originally took out a Borrow and Grow loan for {$6000.00} with Seed Fi in XXXX where I received {$3000.00} immediately and would receive the other {$3000.00} once I paid the {$6000.00} loan back. In XX/XX/XXXX, I received a letter from Seed Fi saying they sold my loan to XXXX, a debt collection company. XXXX is charging us a fee to make payments. They have no XXXX fee payment options. Additionally, they do not know the balance of my loan when I call. They do not show my savings account portion of my loan on their website. The website says I am 9 days late and have been charged {$130.00} in late fees in less than 30 days of them having my loan. We received a letter that stated auto pay would transfer over from Seed Fi to XXXX and it did not. Their website, XXXX does not look legitimate at all.
01/29/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	MO 630XX	Web
The company has been calling for months even when I have been making payments and when I answer they will call and hang up just to see if the number on file works. I called to schedule a payment the representative took my account information and never put my payment on file i called XX/XX/23 @ XXXX. I called again the next day ( XX/XX/23 ) to cancel the payment because of my check being on hold and the new representative told me it was not a single note or payment arranged.I am in fear of my bank account information being out there. I do recall the call stating that it was being recorded. I told the representative to make sure they stop contacting me because I scheduled a payment. They even sent me another email after I told them to stop contacting me on XX/XX/23.
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32953	Web
I received a loan from SeedFi. They changed companies that serviced them. They went from XXXX XXXX XXXX to XXXX. Instead of showing transferred or closed from XXXX XXXXXXXX XXXX, it still shows as active. I paid off my loan in XXXX of 2023 and XXXX reported it correctly as closed. But the XXXX XXXXXXXX XXXX still shows as active on XXXX. I called SeedFi and they stated they couldnt help me because XXXX services the loan and I called XXXX to help and they stated that they couldnt help me because they reported correctly and its XXXX XXXX XXXX issue and that I needed to call SeedFi. I then took the initiative to reach out to XXXX XXXXXXXX XXXX the last week of XXXX and they were to call me back within XXXXXXXX XXXX and never received a call back.
11/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 07712	Web
IN XXXX, PRIOR TO MY NEXT PAYMENT WHICH WAS DUE ON THE XXXX OF THE MONTH AND THE LAST DAY OF THE MONTH EACH MONTH, I WAS GIVEN THE OPTION TO PAY {$50.00} INSTEAD OF {$100.00} BECAUSE I WAS AHEAD OF MY PAYMENTS. AFTER I AGREE TO THE {$50.00} PAYMENT I WAS THEN CHARGED {$150.00}. WHEN I CALLED TO QUESTION WHY I WAS CHARGED MORE THAN I SHOULD HAVE I WAS TOLD I MADE DOUBLE PAYMENTS. HOWEVER WHEN I SIGNED IN AND I WAS GIVEN THE OFFER I WAS NEVER TOLD I WAS GON NA BE PAYING MORE WHEN THE OFFER WAS TO PAY LESS SINCE I WAS PAID AHEAD. For over 2 1/2 months I have been given the runaround and now I am being told that I'm getting a loan modification because of past due payment and which I'm accruing more interest due to their ERRORS.
01/28/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30324	Web
They have called me 14 times within a 7 day period. Often times they would call 2-3 times in a row. I was previously with SeedFi and then SeedFi was sold to them for them to handle debts. If XXXX was the original company, I would have never went with them in the first place. I am being harassed by phone calls every day and SeedFi never did this. I was drawn to the easy use of the website of SeedFi and instead I no longer have this. The website is very difficult to use. I have called back one time to have the harassment stop however they did not answer and continue to blow up my phone around the times if XXXX. They also continue to blow up my phone while I am working and I have told them that it was my work hours as well.
02/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 287XX	Web	Older American
I borrowed {$700.00} from SeedFi on what they call a Borrow and Grow Plan. After paying off the {$700.00} I was supposed to convert to a savings plan that I can grow my money and then they transferred it to a company XXXX in XXXX XXXX MO that has a 1.3 rating on XXXX. I ask to get the money they owed me and opt out and they call 6 and sometimes more a day saying they are trying to collect a debt and I don't owe this. They owe me. They charge a ridiculous interest rate to me on a savings account. I don't know what to do. I need help from someone. They email send letters call numerous times a day and will not reimburse me my money. Interest rate is 305 %.
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19131	Web
I have contacted XXXX XXXX/seedfi several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. XXXXseedfi received a tax deduction for this charged off XXXX but i never received my 1099c form this is tax fraud XXXX/seedfi has committed. this account is inaccurately being reported to all three of my consumer reports. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by XXXX seedfi
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19104	Web
XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXXXXXX XXXX - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry
04/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77532	Web	Servicemember
Hello. I contacted Seed Fi to inform them my hours have been reduced at work and I am facing a possible XXXX with the XXXX XXXX XXXX. I have to start getting my affairs in order if I am XXXX. I have asked four times for a payment modification to assist me during this time so my security clearance is not put at risk due to late payments. My payment record is perfect, I just need assistance for a short period of time, but Seed Fi says no over and over even when I disclose I am a service member. I need to reduce my payments from {$200.00} per month to maximum {$100.00} per month.
01/19/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NY 11101	Web
SeedFi sold a loan that I had with them to XXXX after they went out of business. XXXX charged me with late fees even though I am current with my payments. They also have called me 10x since Saturday ( as of XX/XX/19 at XXXX ) to say that I have delinquent payments, although I have manually submitted payments as well as being on autopay. I've tried calling to discuss with a representative at XXXX corporate and can not get through. I've tried discussing with the rep that calls but they're offshore and then hang up on me. They keep calling and harassing me.
01/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AL 35805	Web
I have a loan with SeedFi, which I signed a contract with back in XX/XX/2021. However, SeedFi has recently sold the debt over to its partner XXXX. This has given me nothing but problems ever since because I signed a contract with SeedFi to make payments and not XXXX. I have had difficulties making payments through the XXXX website. I don't even trust XXXX as it does not sound legitimate, and I do not feel comfortable submitting payments to them. In addition, XXXX XXXX/SeedFi has reported me delinquent to the credit bureaus.
06/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64012	Web
XX/XX/2022 XX/XX/2022 To remove from my credit report effective immediately. 15 U.S.C section 1681 602 States I have a right to privacy 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of the debt.
03/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Billing dispute for services	SC 29108	Web
I tried to contact the company by phone to explain to them i never open this account and they hung up on me over the phone i never applied for this loan when i seen my credit report and a call from them about i owe them that's why I'm disputing this account no knowledge of this account at all anyone can go online and open accounts up in people name and don't have knowledge of it therefore i ask that this account be remove from my credit file and not be held liable for this account.
01/11/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 809XX	Web
i have been called 20 times by this company in the last 10 days ( XX/XX/2023 - XX/XX/2023 ) including late calls. I have ask them to stop calling so much as i am at work or trying to get my child to sleep at night. the representative that i spoke with just laughed and said yea sorry about that. the calls continue everyday, multiple times a day. Ive never agreed to do business with this company. This is an account that was sold from another company.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 070XX	Web
XXXX open account with SeedFi I had on time payments never late paid off got back XXXX XXXX I look at my credit report now its saying SeedFi just put a negative remark onto my credit profile the XXXX XXXX, XXXX and XXXX said they dont understand this because it showing paid off never late .SeedFi told me to contact another company thats buying them out. I called the company. They said they dont have my file to take it up with SeedFi.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43035	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
08/02/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OR 972XX	Web
On XX/XX/XXXX, I called to inform SeedFi that I couldn't make the XX/XX/XXXX payment. The agent said they'd schedule it for XX/XX/XXXX and asked for my consent to put it on XXXX for XXXX. I consented, thinking that the payment would be set for XX/XX/XXXX... but the agent put the XXXX for XX/XX/XXXX, lying to me and ruining my time & budget. SeedFi has acknowledged this illegal " misunderstasnding '' in their notes but won't say it.
05/01/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 29745	Web
They loaned me XXXX and started a savings you can unlock after you pay off the XXXX and XXXX in the savings I didnt realize they were charging me XXXX annul percentage interest on the full XXXX not just the XXXX they loaned when I asked them if they could just pay off the loan with the money I never received they refused their newest solution is I pay my next payment and let my account go 30 days past due and then they will close it
04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48038	Web
XXXX accordance with the fair act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose.
01/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 43230	Web
There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. XXXX Accnt # : XXXX Opened : XX/XX/2021 Balance : {$0.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18901	Web
When I applied for a Home Equity Loan, an issue of a delinquent loan showed up on my credit report. I did not borrow the {$3000.00}. I have never heard of Seedfi, XXXX or XXXX XXXX XXXX until it showed up as a delinquent account on my credit report. It showed up recently and not when the loan was originated so it is probably a problem with the reporting rather than the initial loan.
07/13/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 75028	Web
They refuse to work with me on a payment plan that I can afford. The first representative told me I could pay one payment a month, which is XXXX XXXX a month. Now, they are proposing an amount that I can't afford. I have sent several emails, and they refuse to reply to my request. All the communication I get is about my account being past due as if I am not trying to work with them.
02/14/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	PA 186XX	Web	Older American
Seeded started A XXXX XXXX XXXX account where they were taking XXXX dollars out of my checking account every other week.The account has matured and they are giving me a hard time about vetting my money back.They gave me a so called loan for XXXX XXXX but it works in reverse I never saw a dime of the loan but I was paying money into an account that I never had access to.
05/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.
08/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TN 37013	Web
I was diagnosed with XXXX in XXXX of 2021. I was very ill for two months and was not able to work during that time. I reported my illness to XXXX XXXX XXXX but did not receive a response back. XXXX XXXX XXXX reported a late payment of my loan bill but I could not pay the bill due to my XXXX diagnoses. My XXXX XXXX loan is through SeedFi
12/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85248	Web
On XX/XX/2022, and without warning this company sold my current loan to a debt collector. My loan was not overdue so there was absolutely no reason for it to go into collections. Now I have no way to pay off this loan because the debt collector is refusing to collect payment. In fact, they claim they know nothing of my account or seedfi.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90043	Web
In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19131	Web
i have contacted XXXX XXXX in regard to the inaccurate payment history they have furnished to credit agencies. a charge off was reported in the payment history to XXXX but in the same month it was reported on time to XXXX this a violation of 15 usc 1681s ( a ) ( 1 ) ( A ) ( B )
08/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NY 11226	Web
i MADE THREE ONTIME PAYMENTS OF {$1000.00} FOR A CREDIT CARD PROGRAM THROUGH SEEDFI. HOWEVER, I SUSPECT THAT SOMEONE IS USING THE FUNDS INSTEAD OF MY PERSON. i HAVE BEEN UNABLE TO WITHDRAW ANY FUNDS FROM MY CREDIT CARD ACCOUNT OR MAKE ANY PURCHASES WITH MY CREDIT CARD ACCOUNT.
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 530XX	Web
Enclosed is what Seedfi last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called seedfi and they won't update balance. I filed a dispute with all three bureaus but seedfi claims my balance is XXXX.
03/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 80232	Web
Seedfi is currently holding my deposit of {$2500.00} after paying off a loan with them. Loan was paid off XXXX and I have made multiple inquiries and get the same standard response that they are waiting for confirmation of loan being paid off.
06/27/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	OH 43615	Web
Seedfi has a savings product and a credit builder product. I decided to close both. XXXX is the only way to contact them and they never respond. Theyve locked my balance, and I want to close all my accounts with them and get my money back.
02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23505	Web
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank XXXX XXXX credit builder was open without my permission and reported to my XXXX, XXXX and XXXX credit report.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90061	Web
SeedFi has a address on my account that is not my address I addressed it they said it will come off but its still there its on my XXXX account XXXX XXXX XXXX XXXX XXXX, NC XXXX I never lived there I looked it up its a park
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 370XX	Web
Seedfi- They are reporting the account late and it not over 30 days affecting my credit score. Also- XXXX XXXX is showing ion XXXX a collection and I paid it in full XXXX of XXXX
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MT 59701	Web
I have been making on time payments for bout 6 months now and still am unable to get a score, I have tried disputing incorrect info and still nothing ....
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77044	Web
The information reported on my credit report is false and incorrect.
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11413	Web
There are reports inaccurate information on my report
01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 271XX	Web

10/11/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36265	Web

08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	PA 18063	Web

08/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 18063	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28202	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60515	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	CA 95202	Web	Servicemember

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75043	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	PA 18621	Web

03/27/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	IL 60098	Web

03/18/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	NC 28539	Web	Servicemember

03/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	AL 36608	Web

03/08/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	MI 48039	Web	Older American, Servicemember

02/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60447	Web

01/31/2023	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 45662	Web	Servicemember

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28208	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85383	Web

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20657	Web

12/08/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	AZ 85050	Web

12/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 11436	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10458	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33301	Web

11/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75241	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31904	Web

09/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 92532	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23505	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34237	Web

06/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 11730	Web

06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19901	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34237	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30291	Web	Servicemember

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98266	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27527	Web

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75380	Web

02/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11435	Web

01/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 78660	Referral

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web

12/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92532	Web

12/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34237	Web

10/21/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	TX 75633	Phone