Solar Mosaic LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90066	Web
My Only First & Last Name XXXX XXXX XXXX My Only AddressXXXX XXXX, XXXX XXXX XXXX XXXX Ca XXXX The last 4 of mySSN # XXXX My Only XXXX XXXX I Ive sent paper work and complaints from the US Justice Department XXXX XXXX XXXX ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT XXXX XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. ACCOUNT : -NAME XXXX MOSAIC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as I [ XXXX XXXX XXXX ]. I also serve as my agent and attorney-in- fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) Failure to correct and update inaccurate information in my consumer reports. ACCOUNT : -NAME ( MOSAIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$28000.00} {$16000.00} XXXX {$43000.00} XXXX {$8000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOSAIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOSAIC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOSAIC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOSAIC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MOSAIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MOSAIC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOSAIC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gramm-Leach-Bliley Act, Section 502 : ) Unauthorized sharing of my non-public personal information with non-affiliated third parties. ( Gramm-Leach-Bliley Act, Section 504 : ) Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. ACCOUNT : -NAME ( MOSAIC ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification I categorically and unequivocally reject any offers to contract or legal proceedings to which I have not explicitly and formally consented. The concept of " consent '' is a fundamental aspect of consumer protection laws, which often require explicit consent for activities like data collection and sharing personal information. Any attempt to impose contracts or proceedings upon me without my explicit consent will be considered a flagrant violation of my rights under consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Remedial Actions : Immediate and Non- Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.XXXX XXXX XXXX XXXX XXXXCONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies-XXXX XXXX XXXX XXXXXXXX XXXXfurnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXXXXXX the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account . Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy
02/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 760XX	Web	Older American
I received a invoice from TX UCC Statement Services that on XXXX XXXX request that I pay them {$90.00} file a UCC-1 financing lien to collateralize with solar panels and equipment related to a solar panel installation at my house and that was to be financed by Solar Mosaic. I had not signed such a contract and I refused to pay them {$90.00} sign and return a letter to them that I approved of the project. Then in XX/XX/2023 after I received the notice I called Solar Mosaic and they complied with my request that the installation project be cancelled. They also advised me they would contact the installer to make them aware the project was cancelled,. Then they set up a case but did not cancel the contract or terminate the UCC-1 financing statement. Apparently they will not cancel the loan statement or cancel the loan even though they cancelled the project. I explained to them I have never seen or signed any contract for their services. They informed me that it was checked on my account there was a signed contract and I did contact their loan department. They said that I had also signed a statement that I have allowed their salesmen to do their presentation. I told them that their salesmen asked me to sign that acknowledgement that they had done the presentation because it would prove to their boss they had done the presentation so they would get paid. They also did a credit check and they contacted their loan department to determine how much my monthly payments would be. They had to do that as part of their presentation because I did ask them how much it would cost each month. I told them that acknowledgement was only an acknowledgement that the salesmen did the presentation and did not contain the terms of the contract to explain what Solar Mosaic was offering to do or what I would be required to pay them and therefore it was not a valid contract. i also told them if their salesman contacted their loan department it was nothing more than them attempting to get the potential loan monthly cost so I could determine if I wanted to contract with Solar Mosaic to install solar panels. I do now know because I did googled it that solar panel salesmen do not get paid a base salary. They only get paid an incentive if they get a contract signed. I do not know if they forged may name but somebody did if my name appears on a solar Mosaic contract. I am not having any luck obtaining a copy of that contract to review or to examine. The contracted they sent was encrypted. Why would they do that unless they do not want me to be able to read it. I told them if my name has been forged on a contract and that acknowledgment is probably where my signature was copied from. I have contacted XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX, and they have filed a termination order which is # XXXX. Solar Mosaic instructed me contact them because they claimed terminating the UCC-1 statement was a technical problem that even though they filed the UCC-1 statement they could not terminate it. I did get the termination ticket number and I sent them a letter documenting the termination. I also sent that letter to Freedom Forever at XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, Texas because since they were local they may be who would do the installation. I did contact the Texas XXXX of XXXX XXXX and they terminated the UCC-1 financing statement for me. Now I am trying to get solar Mosaic to cancel the loan. They have refused just like they refused to terminate the financing statement. They sent me a copy of " my '' contract in an encrypted file which I can not open. i have requested a copy that is not encrypted and as of this date they have not provided me a copy of this contract that I did not sign and so I can read it and see the terms and the signature. I believe if they have a contract that is signed my signature is forged. Since that is a crime I may never get a copy of that signed contract because they know I will accuse them of fraud. I am XXXX XXXX XXXX and I do know a financing statement will expire in 5 years. I believe that Solar Mosaic located at XXXX XXXX XXXX XXXX XXXX XXXX Ca., XXXX refused to cancel the UCC financing agreement because if I die before 5 years has gone by they can try to force my children to pay fees associated with the loan agreement I have never seen before or signed before they an sell my house. I do know some financing loans do charge a annual fee even if you never draw on the loan funds. That is just one reason they may be attempting to not cancel that loan. They could be drawing funds from the loan now even though the project has not started. If they do they may try to force me or my children to reimburse them for those funds. How can I force them to cancel this loan. I suspect they do have my signature forged on a contract. I do know in the last 6 months XXXX XXXX XXXX XXXX has found that Solar Mosaic had filed over XXXX UCC-1 financing statements in XXXX XXXX XXXX I did call a lawyer and he said they may have filed as many as XXXX. The lawyer said that is so unusual that something criminal is probably going on. They did contact another person and he said they filed a UCC-1 financing statement without his permission too He did get his UCC-1 financing statement terminated but I doubt if he knows whether they terminated the loan. I believe if they terminated his UCC-1 financing statement and loan it is only because he is young and not old. I believe this may be a scam to force estates of elderly people who have UCC-1 financing statement filed which makes it possible for Solar Mosaic to force the children who inherit homes to pay large fees associated with contracts that their parent did not even sign just like my contract that Solar Mosaic set up. I think this because it almost happened to me. Now I need your help to force them to cancel this fraudulent loan they have created before I get any older and die. please email me at XXXX or call me at XXXX so I can discuss this problem with me. I believe my signature has been forged and I do not know how to properly deal with the situation.
11/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	TN 383XX	Web	Servicemember
XXXX conditionally pre-approved for {$20000.00}. XXXX Agreed on project with XXXX XXXX XXXX to proceed with the full scope of the 3 Phase project totaling in {$23000.00}. Of that amount {$20000.00} to be financed through Mosaic. XXXX Mosaic issues {$6000.00} to XXXX XXXX XXXX. We paid {$8500.00} of personal funds to contractor. XXXX emails from Mosaic sent to set up auto-pay which would decrease charged interest over the course of the loan. Email response informed the company the autopay option was not available. XXXX XXXX email to report the autopay option was not available XXXX Received notification from Mosaic the installer reported the project as complete, which initiated the remaining {$14000.00}. We immediately contacted by phone and filed a complaint as no work has been started on this project. Our complaint was closed citing " installed had spoken to the client ''. We indicated to Mosaic no funds should be released. We have written communication to Mosaic and XXXX indicating these funds should be returned. XXXX promised funds would be returned. Mosaic indicated the loan certificate had been amended. XXXX Email to Mosaic reiterating project was not complete, and that the work had just started several days before. Despite the bill notification saying we owed {$260.00} and must begin making payments. We were told payments did not start until after the project was complete. XXXX Email to Mosaic again stating payment needed to be reversed. XXXX Work with contractor XXXX for phase 2 and 3 was cancelled and we requested to be contacted by the owner of XXXX. A call to Mosaic we were informed XXXX had not returned funds, and our loan had not been adjusted to the {$6000.00}. We were forced to make our first payment. XXXX Email to XXXX cancelling all work to include remaining work for phase 1. We requested updated invoices, and again insisted the {$14000.00} be returned to Mosaic. XXXX Email to mosaic providing the revised invoice from installer and reiterating again the $ XXXX was initiated fraudulently. Requested once again for the loan amount to be updated. XXXX Email to loanservicing department within Mosaic. Reminding the $ XXXX was not authorized. I requested Mosaic provide detail of actions being taken to reclaim the amount issued in my name, length of time for the loan to be adjusted, and requesting the account be placed on hold. A call was also made to Mosaic. XXXX station XXXX refused to forward me to a manager despite having verified my account twice. The second call i spoke to XXXX he told me who they collect funds from is none of my business. I was notified a FCC complaint was open and my account was being looked into. XXXX The call to Mosaic resulted in being told XXXX was working on the case, and there was no knowledge of when there would be an update. I requested again my account be placed on hold. The 2nd agent I spoke with said I couldnt put the account on hold until they were done investigating. XXXX Rep in Support dep XXXX, told me the installer has to cancel the loan. Mosaic paid out 100 % of the loan. The case owner was not in office. Investigation was ongoing. Case would be reviewed today. That I was still responsible for payment/interests and that they had no record the installed had contacted. Email was sent to mosaic requesting confirmation the loan had been cancelled by the installer as the installer reported via email they had requested this cancellation as of XXXX. XXXX Mosaic sends request for home improvement agreement, breakdown of stages for completion and photos of project. ( all of which was provided to them already ) XXXX Email recieved from Mosaic indicating the installer in cancelling the loan and it would be cancelled in XXXX. XXXX notice indicating we wished to close our loan and Mosaic was pending the installer 's verification XXXX I also spoke with someone else on this same day, this call was initiated at the behest of the installer. I was informed the loan cancellation was a two week process. I was also informed Mosaic does not collect the total funds back from the the installer all at once. This is done in a gradual period. The installer has confirmed all {$20000.00} will be their responsibility in writing. XXXX, Loan Dept Servicing informed the account was on hold due to non payment. I was yelled at for asking how an account could be on hold that was being cancelled. I requested a manager three times before being sent to XXXX XXXX. I was given the debt collection disclaimer and was told we were still pending XXXX confirmation of cancellation. I would get a call in 24-48 hours. ( no called was recieved ). XXXX XXXX informs me cancellation takes 3 - 4 weeks. XXXX a team lead claims installed notified on XXXX can not give exact time frame of cancellation/account closure. The account is on hold for non payment. Reported to credit bureaus if we do not pay. And that any funds paid to them would only be reimbursed upon closure and XXXX days from date of closure. XXXX received email notification from Mosaic, the loan would now be XXXX ( undisclosed date ) for cancellation. This company has been negligent and misappropriated funds in my name and is refusing to correct their accounts in a timely and reasonable manner. In addition, I continue to be harassed for payment on an account that has been requested for closure over 30 days ago. I urge this be fixed immediately as I have documentation for all of it and will be seeking all legal measures.
07/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33771	Web
A contract began with XXXX XXXX in XX/XX/XXXX, the work for initial installation was not completed and activated until XX/XX/XXXX. I filed {$3500.00} in Solar Tax Credits on XXXX IRS Tax Return, I was never informed that I needed to file a 5695 Form from the IRS. Now, on the XXXX Tax Return that we finalized XX/XX/XXXX and will be e-filed today ( XX/XX/XXXX ), I have {$7000.00} rolling over for Solar Tax Credits. The Mosaic Loan company stated I signed some Choice Loan that gave me 18 months to accumulate enough solar tax credits to avoid a 26 % fee based on the loan amount {$34000.00}, which they say comes to {$9000.00} and if I do not send a check by XX/XX/XXXX my payment will go from {$180.00} to {$250.00} for 38 years this will mean that I will be paying {$64000.00} for solar panels over 38 years. I did not understand this from the beginning, I was literally e-signing and it was not explained to me, the new loan amount of {$250.00} is {$65.00} additional per month and over 38 year loan will add {$29000.00} to the {$34000.00} loan amount. Additionally, the initial installation ( which was not activated until XX/XX/XXXX see email below from XXXX ) upon XXXX XXXX 's analysis originally called for 25 panels to be installed along with updating the pool pump, insulation in attic and a new tankless water heater. The water heater was never installed by XXXX XXXX, as they stated the area in which it would have to be installed did not meet the specifications, so they gave me 3 additional panels ( trying to verify date with XXXX XXXX ). They proposed I would have an average XXXX XXXX ( for utilities ) to be approximately $ XXXX/month. I am now paying {$180.00} for loan with Mosaic on the panels and an average of {$130.00} and more each month to XXXX. Then on XX/XX/XXXX an email from XXXX XXXX, the person who conducted the review stated in an email, quote : " SMA is not monitoring your production for the last 76days. However, it is producing because you sent back credits of XXXX kwh on your XXXX XXXX bill and XXXX kwh on your XXXX bill. Can you recycle your system and make sure the wifi is connected?. Once you do that, can you record your E-Total from the face of your inverter and email it to me? Without your production total I can not complete the analysis. Thanks, XXXX '' This company full of technological knowledge and engineers, is asking me to do something that is totally beyond my scope of knowledge. So I requested they send a technician out to help me understand how to get XXXX his production total. -- Today, XX/XX/XXXX they are installing 2 more solar panels and replacing the inverter, due to XXXX XXXX 's review analysis. So with all the chaos, wasted days on my end not to mention the stress Mosaic which holds the loan for the solar panels is honestly expecting me to pay {$65000.00} for solar panels. Why don't I just burn the house down ( joke ) with all its equity that I have worked so hard for, truly after {$65000.00} they will have completely sucked the equity from my home. Email from XXXX see below : " XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Service, me Hello, I went over the most recent bill and I checked your system 's production and it's producing as it should for the month of XXXX it should produce between 19-22 kWh, and your system is producing between that range and higher. It is very important to monitor the system by using your production graph and comparing it to the monitoring site. If your system isn't producing as it should or if it doesn't report on the monitoring site please let us know so we can send a technician out to service the system. It's hard to say if your usage up because I only have the current bills to look at. Your system was activated on XX/XX/XXXX, we stand by our product so if after a year you do not see the savings we promised we can do what's called a savings review. The review takes 4-6 weeks to complete and the savings team reaches out to you with the results. For the savings review, we need a full year 's worth of solar bills and a full year of bills before solar or you can give us your username and password for your utility account and the savings team can get the bills they need. If we are in the wrong we will make it right by adding more panels to the system and or paying you the difference you paid to the utility company. Please continue to monitor the system and let us know if you have any issues, as mentioned XXXX XXXX does not monitor any system. I did add the bills you sent me to your account. Please let me know if you have any questions or concerns. XX/XX/XXXX ( XXXX ) XXXX XXXX is what the system produced XXXX is what your system sent back to the grid XXXX is the solar energy used XXXX is what was used from XXXX XXXX is the total kWh ( this is the total kWh that they should compare to a previous bill for the same billing period ) '' All I was told is that I would be a model home for XXXX XXXX and this loan is a mess, if I had 18 months to capture enough solar credit savings and my system was not activated until XX/XX/XXXX then shouldn't I have until XXXX of XXXX, why do I have to pay {$9000.00} by XX/XX/XXXX. This has been nothing but a nightmare and no homeowner should have to go through what I have gone through PERIOD
11/13/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 95765	Web	Servicemember
On XX/XX/XXXX, I started the contract process, thru a 3rd party with XXXX XXXX for solar installation. XXXX XXXX provided Solar MOSAIC Inc for financing. The third party, Mr. XXXX XXXX was the go between me, XXXX XXXX and Solar Mosaic. He would solicit clients for XXXX XXXX XXXX, the owner of XXXX XXXX solar and was to be paid commission for every new client that purchased Solar instillation. So I never actually met anyone from XXXX XXXX and never had an contact with Solar Mosaic until the loan was finalized. The plan was for XXXX XXXX to install Solar panels and file all paper work and work permits, XXXX the XXXX XXXX Contract. In XXXX I started getting billed from Solar MOSAIC Inc with no work being done. I called Mosaic and explained the situation. The rep told me that the partially fund the project and then fully fund the project when all work is done. At that time I emailed XXXX XXXX, the owner of XXXX XXXX and received a reply stating that he would reimburse me for the payments prior to installation of the solar panels. XX/XX/XXXX the panels were installed and I was told all that was needed was the final inspection from XXXX XXXX XXXX and that all paper work and work permits has been submitted to XXXX XXXX XXXX and my homes owners Association. In the contract it states the XXXX XXXX would be responsible for submitting all work permits and submitting all paperwork to my association and to XXXX XXXX XXXX. In XXXX I sent an email to XXXX for a status. I was told in the reply that XXXX XXXX XXXX was back logged. XXXX, XXXX, XXXX, XXXX, XXXX no inspection and no contact with XXXX XXXX. During that time frame it became impossible to contact XXXX XXXX for status and updates via phone, text, or e-mail. I still kept getting an electric bill and wanted to know what the status of the final inspection from XXXX XXXX XXXX. XX/XX/XXXX I contacted XXXX XXXX XXXX solar division who informed me that there was not a XXXX submitted to them for my property and that I would not get compensated for my power generation until the XXXX was submitted and that they do not have a back log of cases and the turnaround is only two weeks. After numerous more attempts of failed contact with XXXX XXXX I filed a complaint with the XXXX XXXX XXXX. I also looked up the business up on XXXX and discovered 10 or more people have complained about the same situation that I am having. Incomplete work, no paper work filed, running off with full payment without the work being completed and no means of contacting anyone from the business. I went down to the business listed on the contract and on line for answers. At this point I discovered the business was vacant ( GONE ). I did further research online and discovered that XXXX XXXX, XXXX XXXX, Business license has been revoked as of XX/XX/XXXX. I also found out that XXXX XXXX has previously plead guilty to fraud and was convicted back in XXXX. XXXX XXXX was given a business license for XXXX XXXX in XXXX and it was revoked XXXX XX/XX/XXXX. XXXX XXXX went into contract with me to install solar panels with no contract license. SOLAR Mosaic Inc fully funded the loan without all the work being done. It states in Mosaic contract XXXX would be fully funded when all work is complete. SOLAR Mosaic fully funded a project with a company with a revoked contractors license. XXXX XXXX, XXXX XXXX has disappeared without submitting none of the paper and the job is incomplete and left me with the bill with Mosaic for {$24.00}, XXXX and with solar panels on my roof generating power since XXXX but no XXXX submitted. Therefore I have no way to get compensated for the power that I am generating. The power that I am generating is twice the amount of power consumption for my family and I am still getting a bill from XXXX XXXX XXXX. This was an intentional act of fraud. I have filed complaints with XXXX XXXX XXXX, no response. I have emailed a complaint on XXXX XXXX to the State Contractor license bureau. I have filed a police report with XXXX Police Department on line but it has been rejected. I have requested investigative assistance from XXXX and XXXX. I have file a complaint with XXXX XXXX XXXX. I have also contacted MOSAIC Solar Financing asking why they fully funded a load for a project that was not completed. There has to be something in place that prohibits financial institution from funding contractors with no license. Therefore, I am filing a complaint against SOLAR MOSAIC INC for fraudulently funding a contractors project. The loan start date with Mosaic is XX/XX/XXXX. XXXX XXXX licenses was revoked XX/XX/XXXX. As the situation stands now, XXXX, the owner of XXXX XXXX is uncontactable. The business is not at the location listed on the contract or the website. I have SOLAR panels on my roof that I cant use and I am stuck with a {$24000.00} loan that MOSAIC financed without the work being completed and to a company with no contractors licenses. I feel this is a criminal act that needs to be investigated and prosecuted. I also intend to file a this complaint with the Attorney General Office. I have been contacting everyone I can think of to resolve this situation and running into dead ends. I am respectfully requesting your assistance.
09/10/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	SC 291XX	Web
On XX/XX/23 we were approached by someone we were lead to believe had affiliations with our electric utility provider. We were lead to believe that there were tax incentives that would install solar panels to our home. Win win situation we were told. Also we were lead to believe only a select few would have the privilege to participate in this program and we would have to be screened and approved as well as summitting our social security numbers to be checked for verification only. Our understanding was we would no longer have a utility payment with our electric company and we would pay our bill through XXXX and Mosaic Solar would take care of the legal stuff with money because of the incentives that were there to pay for the panels. We signed online documents and verified it with what we thought was the outline of this special offer. After the salesman left I printed out all the emails as well as the link that said, '' Our signed documents '' That's when we realized the credit check was actually for a loan in the amount of {$55000.00} and with interest for 25 years the total would be {$120000.00}. No, this is not what we thought we were signing up for. I'm sorry if we agreed verbally on your so called verification by phone with another employee of your company. Once again, we never agreed to this contract. We were going solely on the salesman 's info and answers to any and all questions we asked about it. Your verification is definitely not what we were lead to believe and we never suspected a loan in such of an insane amount!. I called the gentleman who I now know was your sales agent and not a representative with our electric company nor is he affiliated with any government agency offering the tax incentives.. This was a deceitful sale of an unwanted product by bait and switching us to take out a loan. I asked him again and again if it was a loan. I got an answer that was very vague and it wasn't telling me exactly if this was a huge loan that I was now seeing on the printed contract. I asked about if I decided to withdraw or cancel, would there be an issue or problem. He said no there would not be. I noticed from my printing out the 29 page online contract that we signed ( not knowing this was a loan! ) that we only have 3 business days to cancel this transaction and it's only by summitting pages and forms they added randomly into the contract. We were not informed of this. I was still lead to believe I could cancel all of it even after the inspectors come to our home on XXXX This is beyond their legal wording of 3 business days. ( Shame on you! ) Unfortunately because of being preyed apon by a large company like Mosaic, we will be forced to hire an attorney before XX/XX/ to make sure we legally abide by their terms of this fraudulent contract. Seriously, 3 business days and it was buried in a 29 page document. That's deceit! I'm making this complaint before hand because it seems to be Mosaics mission to throw out some loophole that's obscured in the 29 pages of legal jargon in their contract to still keep preying on the innocent. I've been reading count after count of complaints. All have a common reply from mosaic that places the blame and the fault on each of these innocent victims. Sad part is, they seem to be getting away it. The CFPB has got to do something about this. It defines every misdeed that the CFPB is fighting against. Please, I beg you to investigate this company and stop them from causing so much hardship and making people feel exploited. If Mosaic wants to do the right thing by me and perhaps try to establish some faith in the consumer market again, I would hope that you would either reach out to me to voluntarily cancel this contract or accept my 3 day notification for cancellation without throwing out one of your loopholes to keep me tethered to a contract I did not have knowledge of. Also, I want this hard credit inquiry removed from my credit file, You were never authorized to check my credit for a loan. If you do not, I can promise you that you will get no where. South Carolina is one of a few states that protects us from wage garnishments from creditors like you. All our real property is way under the thresh hold of what you would be allowed to take for a lien. The amounts you put on this contract are laughable for a double wide mobile home that's like 30 yrs old and a tiny lot of land that's almost worthless because of location and how it's bordered out with adjoining land owners. Most likely my husband and I will not live another 25 years for the repayment of this insane loan. We would be in our XXXX XXXX and XXXX XXXX So, all you will be doing is making your company look bad and you will waste your resources trying to get something we don't have and never will have. Think carefully about how you will handle this.
11/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84015	Web	Servicemember
The company doing business is SOLAR MOSAIC, but the billing comes from MOSAIC, located in their Arizona branch. Mosaic https : //joinmosaic.com. You are incorrect and also providing false information to your agent, XXXX, to pass this information to the consumer : I spoke with XXXX in your billing department today at approximately XXXX XXXX ( XXXX ) regarding the past-due amount on our account. I was told the following : The Post Office was experiencing disruptions coming into XXXX. I checked the US Post Office website while XXXX and I were on the line in your XXXX, Arizona office. This is not true for the state of Arizona. Please refer to the website XXXX XXXX XXXX XXXX According to my recent XXXX search ( today ), there are no known mail disruptions for the state of Arizona or any city or county in Arizona. The last disruption from the Office of the Inspector General was XX/XX/XXXX, for XXXX, AZ. Arizona is not on the list. I see CA, MS , MI, OH, TX, AL, GA, MI, VT, LA, NH, KY, and other states. AZ is not one of them. I immediately contacted my financial institution 's customer service information, and today, the following information was provided to me : XXXX XX/XX/XXXX. The check dated XX/XX/XXXX, for {$240.00}. Mailed Check Number : XXXX on XX/XX/XXXX, for delivery by XX/XX/XXXX. The check cleared on XX/XX/XXXX. XXXX XX/XX/XXXX. The check dated XX/XX/XXXX, for {$240.00}. Mailed Check Number XXXX on XX/XX/XXXX, for delivery by XX/XX/XXXX. The check cleared on XX/XX/XXXX. XXXX XX/XX/XXXX. After the prior week 's conversation with XXXX, I changed the processing date to XX/XX/XXXX, so that the check would arrive in time for the XX/XX/XXXX payment. Two bills went out. ( a ) due XX/XX/XXXX, {$240.00}. Check Number XXXX was mailed on XX/XX/XXXX ; the check is still outstanding. Another statement was sent on XX/XX/XXXX, for {$240.00}. You have not yet cleared this check, of course. MOSAIC keeps saying that we owe them {$220.00} for XXXX, and the statement shows that we are two payments behind. This is incorrect. We have been sending an additional {$18.00} since we opened this account. There must be a reasonable recourse to getting your records corrected. You are receiving well above what you say we are behind. You said you reviewed our account, and your records show your payments are being received after your due date. That's the reason for the calls. As of today, XXXX, XX/XX/XXXX. You and your billing department still insist we are {$220.00} behind. You are billing us for {$450.00}, according to your records. According to my records, you are behind in your accounting practices. I do not know your processes, but I believe they are incorrect and show the consumer in an unfavorable light. I also called back and spoke with XXXX in your billing servicing department immediately after talking with my financial institution 's customer service at approximately XXXX today. She stated she could not locate our account. Please let me know if you have resolved this issue as quickly as possible. We have taken steps from the beginning to avoid late payment issues. This started in XX/XX/XXXX, and MOSAIC has still not resolvedthe problem. I contacted MOSAIC on XX/XX/XXXX, at XXXX XXXX. We reviewed our checking account and found that {$250.00} had been credited to our checking and stated it was a REFUND on XX/XX/XXXX. I contacted MOSAIC and spoke with customer representative XXXX, ext XXXX. She said, '' There was no code or reason that our monthly payment was returned and suggested it might be due to us having insufficient funds. '' I assured her that was not the case. Our financial institution has not notified us with any correspondence that we are being billed for inadequate funds. It is categorized as a refund from MOSAIC. I asked to speak to someone above her level, and she stated, " There was not anyone available at the time. '' She also said our last payment was on XX/XX/XXXX. I explained to her that since the XXXX incident, we changed the deliver-by date to the first of each month to ensure MOSAIC received the payment on time and had time for processing. XXXX also stated that I should contact MOSAIC in a few days, and our records would be updated by then ''. That is absurd. Why would anyone receive a legitimate payment? For an unknown reason, MOSAIC returned it, but no explanation or code stated why it was returned. I explained that this problem with MOSAIC 's processing practices leaves us in danger of being reported as delinquent on our accounts and negatively affects our credit rating. We are not and have not been late since we opened this account two years ago. I paid over the phone with XXXX today to take care of the XXXX payment. It is still showing we are two payments behind. We received an email right after I hung up the phone today.
11/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	CA 90065	Web
On XX/XX/XXXX, I entered a home improvement contract with XXXX XXXX XXXX. Subsequently, I applied for two home improvement loans ( one under my name and another under my husbands name ) for a total of {$150000.00} with Solar Mosaic LLC 'which partners with XXXX as the lender ' to build an XXXX XXXX in XXXX XXXX California. During this period of time, they withdrew a total of {$60000.00} from Solar Mosaic. No construction stages were completed, and the project remains unfinished. XXXX lost its contractors license on XX/XX/XXXX and they can't provide me with their services anymore. Despite my efforts to cancel my loan, Solar Mosaic has not agreed to do so and is now charging me the monthly fee for the total of the loan of {$150000.00}. I find myself in debt for a construction project that remains unfinished, and Solar Mosaic LLC is not taking appropriate action or offering assistance to me. They continue to ask me to get a cancelation from the contractor who is not making himself available, and Solar Mosaic is not taking responsibility on my case to cancel my loan. As the holder of the Loan Agreement Solar Mosaic is liable, contractually under Federal law, under the terms of the Purchase the purchase Agreement and Loan Agreement, for all equities and defenses that the borrower could maintain against XXXX XXXX. Solar Mosaic is, therefore, liable to borrower for the acts of XXXX XXXX XXXX. As stated in the Code of Federal Regulations ( CFR ) which is considered legally binding and is primary federal law. Title 24 Subtitle B Chapter II Subchapter B Part 201 Subpart C 201.26 Conditions for loan disbursement. ( a ) The lender shall comply with the following applicable requirements before disbursing the proceeds of a property improvement loan. ( 1 ) The lender shall ensure that the following conditions are met : ( 5 ) In the case of a dealer loan, the lender shall obtain a completion certificate, on a HUD-approved form and signed by the borrower and the dealer under applicable criminal and civil penalties for fraud and misrepresentation, certifying that ( i ) the improvements are eligible and have been completed in general accordance with the contract or cost estimate furnished to the lender, and ( ii ) The borrower has not obtained the benefit of and will not receive any cash payment, rebate, cash bonus, sales commission, or anything of more than nominal value from the dealer as an inducement for the consummation of the transaction. ( 6 ) In the case of a dealer loan made on or after XX/XX/XXXX, the lender may disburse the loan proceeds solely to the borrower, or jointly to the borrower and the dealer or other parties to the transaction. ( 7 ) In the case of a dealer loan, the lender must conduct a telephone interview with the borrower before the disbursement of the loan proceeds. The lender, at minimum, must obtain an oral affirmation from the borrower to release funds to the dealer. The lender shall document the borrower 's oral affirmation. ( 8 ) For any property improvement loan, the lender shall provide the borrower with a written notice, to be signed by the borrower and retained in the loan file, that : ( i ) States that the loan will be insured by HUD and describes the actions the Secretary may take to recover the debt if the borrower defaults on the loan and an insurance claim is paid. ( ii ) Constitutes the borrower 's agreement to pay penalties and administrative costs imposed by HUD as authorized by 31 U.S.C. 3717 ; and ( iii ) In the case of a direct loan, constitutes an acknowledgement of the borrower 's post disbursement obligation to furnish a completion certificate and to permit an on-site inspection by the lender or its agent in accordance with 201.40 ( b ) and ( c ). ( 9 ) The lender shall assure that the loan file is complete and contains the note, security instrument, and copies of all other documents relating to the property improvement loan transaction. Additionally, to that, XXXX lost its contractors license on XX/XX/XXXX but continued to contract after that. In some instances, allegedly they obtained advances on loans after they lost their license, which also proofs that Solar Mosaic has been failing on keeping track of their merchants ' diligences on compliances with the Contractors State License Board and other regulatory institutions. As mentioned above, Solar Mosaic never completed any type of inspection or telephone interview with me or my husband before the disbursement of the loan proceeds. I dont hold myself accountable for that debt that is consequence of Solar Mosaic LLC XXXX negligence and not doing their due diligences according to Federal Codes, laws, and regulations.
06/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30736	Web	Older American, Servicemember
XX/XX/XXXX I will try to keep this at a summary level as much as possible, hard to do when we are as disappointed as we are with the whole green energy push. In late XXXX of XXXX we inquired about rooftop solar panels as a way to replace our electric bill and to have a backup plan for electricity in the event of a power outage, whether it be long or short. Our nightmare began when we signed on with XXXX XXXX XXXX XXXX XXXX ). Much of what we were told was not accurate, we would not be getting a system to meet our expectations. We were told that though it could be up to 90 days before we were operational, more than likely it would be six weeks. The inaccurate schedule changes began, along with flat out lies regarding permitting. Our XXXX XXXX contract would begin requiring payments 90 days from contract date, not to worry the system should be operational by then. Well, it was a couple of days over four months that the system was turned on, though no one told us how to work with it. ( XXXX XXXX had said they would be our solar partner every step of the way ) Hah! After two weeks we called XXXX customer support to inquire about how the system was to be configured to meet our requirements, and we were told that they do not do that, we would need to contact XXXX XXXX. Obviously we were a little miffed but we did call XXXX XXXX and talked with a very professional, courteous person. First we learned that our system, as currently built, would never be able to operate as we were told by XXXX. The Support person did configure the system, over the internet, to hopefully work as efficiently as it could, yet it would not produce enough electricity to offset our electric bill. We had elected to not sell back to XXXX ( XXXX XXXX XXXX ) because there was a flat fee for the net meter and additional charges. So we decided to just see if we could produce the energy we needed for our own use. I monitored the system daily via the XXXX application to see how we were doing. The system went live on XX/XX/XXXX and on XX/XX/XXXX the system quit producing anything. We contacted XXXX Support and after several calls two guys finally came out in early XXXX. They looked at the system, and said yep it is not working probably due to bad snaps. They called the office and said that someone would be back to work on it. A few weeks and numerous phone calls later the two guys came back, called XXXX XXXX XXXX for 30 minutes or so and said that two major components had failed they would order the parts. The phone calls and schedule changes ( sickness, technicians over scheduled, etc. ) were numerous until mid XXXX we were told someone would be at our house on XX/XX/XXXX. A call received on the XXXX informed us that no one was coming, they ( XXXX ) would call after the new year to reschedule. The last time we ever heard anything from XXXX. We were extremely disappointed and at a complete loss as to what to do next. In early XXXX my wife began to see posts on XXXX by others who were in similar situations. We sent our info to XXXX XXXX XXXX and posted on the GA Attorney General site. We were then encouraged to post on the TN court appointed Receivers site. I attended the first hearing in XXXX XXXX, TN. We continued to make payments until XXXX when we stopped because we were paying both our regular electric bill and a payment for a non-working system. We have contacted Mosaic and XXXX, never able to talk with anyone who knows anything. XXXX did contact a company XXXX who called to say they would look at they system, at least that is what I understand, as it is difficult to understand the people who call. Same is true for Mosaic, it is difficult to understand the callers. Before anyone looks at the system we would like to speak with a knowledgeable person who can tell us who will be responsible for the 25 year warranty and any issues along the way. We have received multiple letters from Mosaic for payments, and to inform us that our payment will go up at the end of XXXX. Oh, we also have received a letter stating they would suspend the payments for 90 days, then followed shortly after by another letter to make payment. Now we sit here, receiving delinquent calls and letters, and negatively impacting our credit. On the Mosaic website it stated that the only lien would be on the solar equipment, fine they can have it. We are like so many other XXXX customers, XXXX, in our XXXX and now in daily turmoil over the entire situation. All we wanted was to be good stewards of both our finances and our environment with solar energy. Just not going to happen.
06/03/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91321	Web
We initially applied for a solar loan with XXXX XXXX XXXX ( XXXX ) through Solar Mosaic for the XXXX solar panels we were installing on our home back in XX/XX/XXXX. The loan agreement we signed with XXXX was for {$28000.00} with a monthly payment amount of {$140.00}. We also signed up for monthly direct debit payments so we would qualify for the lower interest rate and to ensure we would never be late on our loan payments. In XX/XX/XXXX, we began the process of refinancing our home to lower our payments to give us relief on our mortgage payments as my wife was impacted with loss of work hours due to the pandemic. As we approached our refinance closing date, on XX/XX/XXXX, I was advised that Solar Mosaic had placed a lien on my property and the only way to proceed with the refinance was to either pay a fee of {$250.00} to lift the lien and replace it once the refinance had been processed or to pay off the solar loan completely. Since we have never accessed our account with XXXX on their website due to our direct debit arrangement with them, I went ahead and reached out to XXXX to request a payment history on the account and a payoff quote so I could prepare for our closing costs. When I called in to XXXX, I was advised that my loan was being serviced by Solar Mosaic and was directed to their website joinmosaic.com to access the account information I was requesting. When I logged on to my account and pulled up my payment history, I was surprised to find that we were being debited {$160.00} vs the {$140.00} we agree to and our total loan amount was entered as {$31000.00} vs {$28000.00}. What made matters worse was, we have been making the payments on the account for 9 months and only {$25.00} has been applied to principal. I called Solar Mosaic to get additional information on my account but the Customer Service representative I spoke to could not explain the difference between the loan/payment amounts and she stated that their department could not view loan documentation and I would need to reach out through email to their back office research department. 2nd, she informed me that my account accrued 45 days worth of interest at the time of origination because our first payment was not debited until 45 days from initial disbursement to XXXX ( Solar panel contractor ). I asked why they would allow the account to accrue interest and not debit the payment as soon as possible as I have authorized them to automatically debit my account and again the customer service representative could not provide further justification and directed me to reach out to their back office research department. The representative then acknowledged that they get " a lot of angry calls '' from customers on their payments which came as no surprise to me. I requested to speak to a Supervisor and I was given the same response with no resolution. On XX/XX/XXXX, I sent an official Complaint email to Solar Mosaic, that included my original loan agreement I had on file requesting an explanation for the discrepancy of the loan amounts and 2nd, I disputed the initial interest being charged to my account as the decision to pull the initial payment until 45 days out was not communicated to us during origination. Due to the sensitive nature of our refinance, I was following up daily ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with Solar Mosaic to get a resolution to the issue we were experiencing with Customer service giving us the same response every time that they would follow up with their back office team for an update. On XX/XX/XXXX, I finally got a call from a Supervisor ( " XXXX '' ) from Solar Mosaic, he stated that our request was being escalated but we still did not have a resolution to the discrepancies. On XX/XX/XXXX, Supervisor ( " XXXX '' ) from Solar Mosaic called back advising they are in the process of " fixing '' the documentation but we still did not have an eta for resolution. To whom it may concern, I am writing to you today to ask for your help. Solar Mosaic has still not provided a resolution or explanation on the discrepancy to my loan amount or why I have been charged interest for the deferred payments I did not request. This delay is impacting our Refinance and we are incurring additional costs every day. We feel that Solar Mosaics practices are deceptive and it is causing us harm financially.
12/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91335	Web
On XX/XX/XXXX I signed a Home Improvement Loan Agreement/Promissory Note with Mosaic. The loan was approved on XX/XX/XXXX. I was advised by the Contractor who secured the loan, because homeowners are not allowed to deal directly with Mosaic, that the first payment would not be due for 3 months/90 days after the project was complete, which is the reason I went with Mosaic This was agreed upon prior to me signing the loan agreement. I signed the loan agreement on XX/XX/XXXX, which happened to be the same day the project was completed. I signed off on the project on XX/XX/XXXX. The Promissory Note states that my first payment would be due on XX/XX/XXXX. I received an email from Mosaic on XX/XX/XXXX, in which I was to confirm that the project was complete. I received a loan closing certificate and notice on XX/XX/XXXX that my first payment would be due on XX/XX/XXXX. All of the notifications from Mosaic up till this point were via email. I waited to see if another email correcting the due would arrive. It didn't. I called Mosaics loan servicer, XXXX XXXX XXXX, on XX/XX/XXXX to find out about the change in due dates and was given a case number and advised that someone would follow-up with me. I spoke to several people and sent in a copy of the promissory note. All of XXXX reps told me that my payment was due on XX/XX/XXXX because of additional terms and conditions which state " Estimated monthly payment amounts and payment due dates are shown on the payment schedule included in the TILA Disclosure. We will disclose the exact payment amounts and due dates in monthly statements we send you. The first payment on the Loan is due on the earlier of ( i ) 90 days after we first disburse Loan proceeds to the Merchant; or ( ii ) 15 days after we receive confirmation that your Installation is completed, if applicable ''. I believed that since the payment due date and amount ( {$440.00} ) were on the promissory note that the statement was not applicable to my loan and the XXXX had assured me of the 90 day due date for payment. I called and/or emailed XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a payment of {$560.00} on XX/XX/XXXX ( the contractor gave a small discount after I called them and told them about the payment due date issue ). I made my first payment on XX/XX/XXXX based on the XXXX of the month statement they sent and the 15 day grace period for payment. My credit rating has gone from a XXXX range to a XXXX range. XXXXMosaic has charged me {$70.00} in late fees and their payment system has attempted to collect what they call the past due balance on two occasions ( XX/XX/XXXX in the amount of {$1400.00} and XX/XX/XXXX in the amount of {$1100.00} ). I had to submit a stop-payment with my financial institution on both payments and was charged a fee. I also was charged a check returned ( payment stopped ) fee by Mosaic for each in the amount of {$10.00} each. I get calls from XXXX weekly and have spoken to their representative on two of the occasions ( the last call XX/XX/XXXX ). I tell them to look at the file and why my loan is not delinquent. I have asked XXXX to allow me to speak with a Mosaic representative directly and their attorneys with no success. Everyone phone number to Mosaic goes to XXXX. I have a Solar Loan ( XXXX ) with Mosaic that I have never had an issue with. The contractor was up front and the loan process went smoothly. XXXX sent a letter dated XX/XX/XXXX, advising that " I am delinquent under the Home Improvement Loan Agreement having the Effective Date of XX/XX/XXXX because I have failed to make payments under the Agreement. Please note that XXXX XXXX XXXX is acting as the loan servicer and debt collector for Mosaic concerning the above reference Home Improvement Loan. As set forth in the Agreement, Mosaic may declare me in default due to the delinquency. At that point, as stated in the Agreement, the Total Payoff Balance as of the date of default my be immediately due and payable ''. They ask me to call to discuss how to resolve my account. The rep just repeats what each rep I have spoken to says. They don't want to resolve, they want me to agree with them. They committed a " bait and switch ''.
11/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AZ 85335	Web	Servicemember
I followed instructions from Mosaic, our solar power panel lender, to begin the loan assumption process as we are selling our home, please see the email below with instructions from Mosaic ( per comment instructions, names and contact information have been redacted and targeted parties will be labelled in brackets ) : >Hi, > >Thank you for contacting Mosaic. > >We understand youre selling your home and might be interested in transferring your Mosaic home solar loan to the buyer. It is more convenient for all parties involved for the loan to be paid off prior to or during the home sale. To help you decide on the best path forward, heres some info : > >PAY OFF YOUR LOAN >The simpler option, preferred by buyers and sellers > >There are many advantages to paying off your loan and including the system cost in >your home sale price : >> Increased home value. From installation day, your system added value to your home. >> Faster sale. Studies show solar increases the speed of sale. >> Simpler sale. Avoid a complicated loan transfer process. >> Convenience. Instead of a mortgage and a solar loan, the buyer will have one >payment, tax-deductible interest, and cheaper clean energy. > >TRANSFER YOUR LOAN >If you choose not to pay off your loan, you may be able to transfer the loan if 1 ) your >homebuyer credit-qualifies via Mosaic 's credit application process and 2 ) your current >loan balance is greater than {$5000.00}. Heres a quick overview of how the online process >works. > >1. You provide written authorization for Mosaic to share loan information with your >prospective buyer. Please include the buyers name and contact information. For your >convenience, please use the sample text provided below and reply directly to this email >with the requested details : : > >>I, [ your name ], am interested in transferring my Mosaic home solar loan to [ name ], > [ phone ], [ email ] and I grant Mosaic permission to share my loan agreement and discuss >the details of my loan with the prospective transferee and their representatives. My >escrow officer 's name is [ name, if known ] and they can be contacted at [ email ]. My >closing date is [ date of closing, if known ]. Notice, in the first paragraph under " TRANSFER YOUR LOAN, '' the instructions state " you may be able to transfer the loan if 1 ) your homebuyer credit-qualifies via Mosaic 's credit application process ... '' Our home is being purchased by two people ; the mortgage on the home the solar panel system is installed on, as well as the deed and all other documents will be filed under these two individuals. In response, we sent the following information to the lender on XX/XX/2022 : >from : [ myself ] >to : Mosaic Customer Service XXXX, [ my realtor ], [ my wife ] >date : XX/XX/2022, XXXX XXXX >subject : Re : Selling your solar home : loan payoff or loan transfer? > >I, [ myself ], am interested in transferring my Mosaic home solar loan to [ buyer 1 ] and > [ buyer 2 ], [ buyer 1 contact info ] and [ buyer 2 contact info ] and I grant Mosaic permission >to share my loan agreement and discuss the details of my loan with the prospective >transferee and their representatives. My escrow officer 's name is [ escrow officer ] and >they can be contacted at [ escrow officer email ]. My closing date is XX/XX/2022. Mosaic sent the credit check request to buyer 2 ( no date provided to us by Mosaic ), which was declined. Mosaic sent the credit check to buyer 1 ( no date provided to us by Mosaic ), which was also declined. Our buyers contacted Mosaic to request a a joint application XX/XX/2022. We were informed today, XX/XX/2022 ( 8 days before the close of escrow ) that Mosaic is not permitting the joint buyers of our home to submit a joint application to assume the solar loan. This action is preventing the sale of our home as the sale is contingent on the assumption of the solar loan.
10/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78744	Web
This situation is specifically involving solar panel installation and loan agreements. I met with a salesperson in XX/XX/2022 to discuss putting solar panels on my roof. After agreeing to terms with the salesperson, he connected me with their partner lender Mosaic. Mosaic made the sign up process for the loan very simple and documents were signed on XX/XX/2022. The salesperson was and is still my only contact with anyone in the process, and I was told on XX/XX/XXXX that permitting would begin immediately and on XX/XX/XXXX was told that they were waiting on final approval by the energy provider in my area, which should be done " by end of the week ''. As of XX/XX/XXXX today, it is still not operational. On XX/XX/XXXX, Mosaic emailed to ask whether the system was operational, and I responded by email that it was not. On XX/XX/XXXX I was informed by the city that the system failed inspection due to installation errors by the contractors. On XX/XX/XXXX, I received an email from Mosaic informing me that my first loan payment was due on the panels. I called Mosaic on XX/XX/XXXX and let them know that the system is not yet operational, as I previously emailed in XXXX, and I was told that regardless of that fact if I defer payment on the loan it would continue to gain interest and would be met with a late fee for nonpayment. I tried to explain the situation, but the loan officer told me that their contract states that the time for repayment of the loan begins 90 days after the loan company first sends payment to the contractor for installation costs. Here is the applicable section of their loan agreement for reference : 5. LOAN DISBURSEMENTS. We will disburse the loan proceeds on Your behalf to Your Installation Contractor ( or the equipment manufacturer if directed to do so by the Installation Contractor ) and, if applicable, to Your Operations and Maintenance Contractor, upon achievement of certain conditions described on the Loan Disbursement Schedule on the Summary Page. Loan disbursements will be disbursed to Your Installation Contractor ( or the equipment manufacturer if directed to do so by the Installation Contractor ) after certain conditions we establish at our discretion are met. We reserve the right to update, revise and/or remove the conditions necessary for loan disbursements to be transmitted to the Installation Contractor ( or the equipment manufacturer if directed to do so by the Installation Contractor ) without prior verbal or written notice. You understand that in order for us to make disbursements on Your behalf, we may require You to confirm ( verbally or electronically ) that the Installation Contractor has satisfied certain conditions in the installation process. In the event that You fail to confirm that certain conditions have been met, we may decide in our discretion to still disburse loan proceeds to Your Installation Contractor ( or the equipment manufacturer if directed to do so by the Installation Contractor ) if we determine that all conditions were satisfactorily met. I have not been told yet what the " certain conditions '' they established at their discretion even are, much less if they have been adequately met. I did signed a loan completion certificate with the loan company after being told by the installers that they had completed installation. After the inspection failed, I made a request to the loan company that the completion certificate be rescinded and I was told that my request was denied and that they had already fully funded the installation company. As a result, my loan payments are scheduled to start on Tuesday XX/XX/XXXX, with no functional use of the panels on my roof.
10/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91739	Web
I was introduced to Mosaic as the loan servicer for a home improvement project I was pursuing on XX/XX/XXXX. The intended job was to be part of outfitting my roof with solar panels and Mosaic was to provide the financing. I was pre-qualified and signed the loan agreement. I understood that there were certain provisions prior to being billed for this loan such as the Solar Panel contractor completing a project and having a representative from Mosaic verify installation prior to sending the funds. My loan application was approved over the weekend with a report sent to me on XX/XX/XXXX. The amount was for {$45000.00} to be paid over 25 years with finance charges to total {$50000.00}. After inquiring further about my rights and deciding that I did not like the terms, I decided to cancel the project. To do so, I spoke with the solar contractor and did not have much difficulty with them. I also wrote a certified letter on XX/XX/XXXX, which was verified and received on XX/XX/XXXX. I believed the matter to be over and did not receive a subsequent message until XX/XX/XXXX. An email sent to me indicated I had a statement for review. I was unable to open the statement as I had never signed up for an account and did not want to hand over more personal info to this finance company. I sent an email the same day ( XX/XX/XXXX ) inquiring about these events. The email response from Mosaic indicated that the loan was already funded and could not be cancelled. I am unclear how this occurred as the project was already verified to be cancelled by the contractor. Additionally, how could a cancelled project be funded? What about the aforementioned verification of the installation? I called the same day and the representative stated that the loan was cancelled on XX/XX/XXXX. She was unclear why I was receiving the statement. Her explanation was that the auto-debit in the system was sending the alert and I should ignore it. She would disable the information and remove it from the system and I should not receive any more emails. However, on XX/XX/XXXX, I received another email stating that my loan closing certificate was ready and that my first payment was scheduled to be due on XX/XX/XXXX in the amount of {$150.00}. As I had already requested the matter to be cancelled and called just a week ago about the same issue, I realized there was something wrong. I called another representative the same day. The representative did not seem informed at all and needed multiple holds in order to answer basic questions on my account. After being placed on hold about 4 times, and waiting for about half an hour total, she summarized the issues to me. First, it appeared that my cancellation received on XX/XX/XXXX was never processed. She would send the cancellation process to the next step. I should receive a confirmation within 7 days. Secondly, I should still continue to make payments. Third, failure to make timely payments could damage my credit score. Fourth, any payments received if the project is cancelled would be refunded. At the time of this writing, it has been nearly 7 days and I am unable to wait any longer before taking action. Naturally, I was receiving the runaround just to get the project cancelled. I was especially suspicious about actually giving them money and believe the likelihood to see that money returned to be extremely small. Therefore, I sought help and assistance from wherever I could, including the CFPB.
01/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91362	Web
Last year I got a solar system for my house through a large company called Semper Solaris. They set up financing for me with XXXX loans from XXXX separate lenders covering different aspects of the solar project ( XXXX loan for the solar panels, XXXX loan for the XXXX batteries, and XXXX " XXXX same as cash '' loan to front usthe money that gets paid off with the rebates and tax credits we were due to receive back ). XXXX of the loans ( the XXXX same as cash '' was made with Mosaic. Because we receive so much SPAM, most of which ends up in the SPAM folder which my wife and I never see, we make sure to NEVER receive paperless statements on any loan we take out. When completing the loan documents for this loan, I did read ( and agreed by signing ) that I was agreeing to e-sign the loan documents electronically, and I also knew that I was agreeing to receive the " Loan Disclosures '' electronically, however I carefully checked to make sure I was not agreeing to receive paperless STATEMENTS since I wanted all statements mailed to my house so it will be received by my wife who promptly pays all of our bills. Getting solar was my project which my wife was not involved in, however as I said, she is the one who pays all of our bills as soon as we receive the statement. With Mosaic, they never mailed us a single statement telling us where to send payments, nor did they ever mail us anything that stated when the XXXX no payment period was ending, which we were told would be 12 months from the date our solar project was completed. As I knew the end of the XXXX period was getting close to ending ( at least so I thought anyway because I was basing it on the date my solar installation was completed ), I asked my wife if she ever received anything telling us how and where to send our payment to pay off the Mosaic loan. She said no, so I called Mosaic. They said the XXXX period just ended, and we now not only owe the balance of {$52000.00}, we also now owe {$6800.00} in interest for the XXXX period because we did not pay it before the end of the XXXX period which they said was XXXX. As you will see on the loan document that I am uploading, it says the first payment, which is supposed to be due at the end of the XXXX no-payment period, is " estimated '' to be XXXX. When I was signing the document and dealing with the Mosaic agent handling my loan, she told me to ignore that date because it will change after they have a better idea of when my project will be completed. And clearly she was right, since we have now learned that the date got changed just as she told me it would, however we were never told what the new date was until AFTER that massive {$6800.00} interest charge kicked in. This is dishonest, unethical, and illegal ( per Truth in Lending Rule 226.7 which states that the lender must send periodic statements of amounts due, where to send the payments, the due dates, etc., all of which Mosaic never sent me. My wife and I set the money aside to pay off the Mosaic loan before it was due, and I have spoken with several people at Mosaic including people in their dispute department telling them that I want to pay this loan off, but they insist that I must pay it off by adding the additional {$6800.00} which we just don't have and did not budget for, and do not feel we owe since as I previously stated, they did not follow the required rules stated in the Truth in Lending Rule 226.7.
09/01/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 95531	Web
Dear Sir/Mme : In the middle of XXXX, a solar installer company called XXXX XXXX XXXX me to solicit my business to stall solar panels on my roof. The purposes of this, we all know, was that we could go green to protect our environment. Personally, for me, they promised that I could reduce my electrical bill by a very large percentage. Plus, there would be some tax benefit from the government. Before that, XXXX XXXX had partnered with Solar Mosaic Inc. Bank and they came together to start everything with me, and later to finance the project. They offered many good terms, such as, no up-front payment, low interest rate for the loan, no payment until the project was done and the system started producing electricity to replace the power from my power company, and there would be a XXXX warranty after the installation to cover the maintenance, repair of the solar system if anything would go wrong in the future. They also promised to repair my roof if any damage was done during the installation process, among other favorable terms. Those were common terms that could have been offered by any other solar installers then and today, because the government was, and still is, backing this kind of projects for the good of the society and the environment. So, I took their offer and signed agreements with both XXXX XXXX and Solar Mosaic Inc. Bank to let them work on the project ( please refer to Mosaic bill to me as evidence # XXXX XXXX In XX/XX/XXXX, XXXX XXXX sent a group of technicians to my home address to do the first partial installation, then they left. I waited for a long time for them to come again to finish the work, but they never came again. Even worse, soon after that, I lost contact with them. After a while ( about in the beginning of XXXX ) I learned that the installer company had declared bankruptcy and no longer in business. I reported this to XXXX Bank. XXXX promised to find someone else to finish the job. Eventually, they found a XXXX business called XXXX, to finish the solar project. XXXX ( please refer to XXXX email correspondences to me as evidence # XXXX ) contacted me on the phone once and sent me a confirmation email each following month to confirm with me they were actively looking for someone in their network and in my area to do the job. But recently suddenly, Mosaic decided not to shoulder their responsibility and refer my case to a collection company ( please see the collection letter as evidence # XXXX ) for debt collection. This is not fair to me, and very wrong of Solar Mosaic to do this. I would like to make it clear here : {$27000.00} is the total cost for the whole project, including the material cost ( the solar panels ), the installation fee, the hood-up procedure to the power companys power grid, and the warranty service for the next 20 years after the installation. Since this is an unfinished and abandoned project, I would definitely not pay {$27000.00} for the collection. I started with a sweet dream of having solar power installed on my roof top ( that is what it was meant to be then, and still is today ), now it becomes a nightmare : I do not have a completed, working solar power system, instead, I am deep in debt to the bank. There supposed to be no immediate big cost to me. Now my electrical bill is the same, in addition to the huge debt I am in. My rights as a consumer have been seriously violated
09/26/2023	Yes	Mortgage Other type of mortgage	Closing on a mortgage Changes in loan terms during or after closing	AR 729XX	Web	Older American, Servicemember
I signed a contract with Solar Mosaic LLC XX/XX/XXXX to have solar panels installed by XXXX XXXX XXXX XXXX The first installment of {$44000.00} was paid to XXXX XXXX XXXX by Solar Mosaic XX/XX/XXXX. After contacting XXXX XXXX XXXX XXXX times they finally showed up to install the system XX/XX/XXXX to XX/XX/XXXX. These installers had no idea what they were doing and caused {$18000.00} worth of damage to the property. I promptly called Solar Mosaic about the problems on XX/XX/XXXX asking them to pay the XXXX and the issues I was having. XXXX Mosaic that very evening paid XXXXXXXX XXXX XXXX in full to the amount of {$29000.00} even after telling me that they would not. Since then all I get out of them is that they were there to help me with my home improvement and that I need to contact XXXX XXXX XXXX with my problems. Here is a copy of the letter sent to both parties. To whom this may concern On XX/XX/XXXX, your crew showed up on site to install the solar panel system on my property. I have several issues pertaining to this installation. First off, I never heard from whoever the project manager on this job is. I did get a call from a woman to make sure that they did show up on site. She stated that she would send me her contact information which she never did. The system is not installed per the plans or in the correct location. The footprint is supposed to be XXXX XXXX wide and XXXX XXXX deep. It is XXXX XXXX wide and only XXXX XXXX deep. This XXXX creates and issue with getting to the lower half of the property. The azimuth is correct while the tilt is at XXXX degrees. Not at the XXXX degrees per plans and not optional for this location. The system was also installed in freezing conditions and the concrete poured shows signed of thermal cracking already. Wind chill of XXXX degrees less than 48 hours after pouring. The remaining footing was poured in these freezing conditions. Hole depth is only XXXX inches and not XXXX feet per plans. No cross bracing per plans as well. This has also led to the array moving during high winds. My insurance company will not insure until the array is installed correctly. In running the lines to the house from the array they cut through the electrical going to our hot tub. I was called right away. I explained what it was going to and was assured that they would fix it right away. It wasnt until later that day when they drove a steel wrecking bar through a pool line and pool lights that I found out that the electrical was not repaired. By this time the hot tub was frozen, and lines ruptured internally. This can not be repaired and only replaced. The area of sidewalk that they cut through will have to now be removed to make repairs to the pool light and high-pressure vacuum line. They have left this property in a mess. Trash all over the property, Open pits, and rental equipment still here. I look forward to hearing your remedy and completion date as soon as possible. They did show up on XX/XX/XXXX. XXXX XXXX XXXX made the system worse, never repaired any of the problems. To this day the application for installing the system has never been completed and the system has failed inspections.
12/01/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 077XX	Web
My wife and I are attempting to buy our first home. The house has solar panels on top, which are financed by previous owners through Mosaic , Inc. We reached out to Mosaic , Inc. , who told us to apply for the loan at a given link. The link asked us for only the most cursory information - name, birthdate, mailing address. It told us instantaneously that we had been denied, telling me that I had " Insufficient revolving credit limits Insufficient reported estimated monthly income Insufficient asset stability based on estimated home value '' - none of which apply to me. I don't have a credit card, I make annually more than XXXX the amount of the loan, and I don't own a home. We reached out to the company to investigate and after hours on the phone with multiple representatives, we were told that they could do a " manual review '', and that we could provide supporting documents disputing their claims - although, I worry it would be impossible to prove a negative, or prove that my finances were " sufficient '' given that I don't know what metrics they're using to determine sufficiency. Despite this, when we replied to their email to ask what sort of documents they sought, we never received a reply. We had been told we'd hear back within 7-15 days. Within that timeline, I reached back out because we're on a tight timeline to buy this house. They informed me that they'd completed the manual review, and that we'd been denied again, despite never asking us for any supporting documents. Again, we insisted that they review it, and they instead told us that we could accept any of the following options : " The options are as follows : 1. The potential buyer will need to wait 30 days after the first denied application to re-try 2. The potential buyer can dispute the credit denial with the credit bureau to have any disputes removed 3. Adding a new applicant who will be on title to assume the loan 4. The loan can be paid in full by the seller/ buyer. '' None of these are acceptable. ( 1 ) We can not abide by this timeline - the housing market moves too fast for this. Additionally, given our repeated denials, it seems unlikely we would have a different result. ( 2 ) We have attempted to contact the credit bureau, but no such avenue seems to exist. ( 3 ) We can not add another person to the title of our home, and even if we could, Mosaic will not allow us to add even our own spouse to the loan application, insisting that since we are assuming someone else 's loan, it must be written to only one sole person. ( 4 ) We believe this company to be scammers, so we would be foolish to send them the full amount of money. We have also been told that the employees can not tell us the name of their alleged computerized system that pulls credit reports and denies us instantaneously, and that they're not allowed to tell us why they're not allowed to tell us. We strongly suspect no such computer program exists - the scam is only to get people to pay off the loan in full, given that the loan is currently XXXX percentage points below the current market interest rate.
08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 925XX	Web
To Whom it May Concern : I am writing to you with grave concern over a situation involving a solar company, Mosaic, and their unjust and predatory lending practices. I am seeking your immediate assistance to address this matter, as it has caused severe financial and emotional hardship for me. In XXXX, I initially contacted Mosaic, a solar company, to explore the possibility of installing solar panels on my home in XXXX XXXX, CA. Subsequently, I submitted some preliminary paperwork. However, the situation took a drastic turn in XX/XX/XXXX when I was informed by an engineer that my home had defects that could result in it being red-tagged. Under this circumstance, I was advised to halt any home improvement projects, including the solar installation. Understanding the gravity of the situation, I promptly contacted the solar contractor to inform them of the developments. It is important to note that no permits were pulled, and no solar panels were installed. Despite this, I have shockingly found myself burdened with collections from Mosaic for a service or product that I never received or accepted. What compounds the issue is that I live in a homeowners association ( HOA ) community, where any project would require explicit approval and sign-off. In this case, I did not proceed with the project or accept any loan associated with it. To my astonishment, Mosaic is reporting inaccurate and unjust information about a loan I never agreed to or signed for. This is a direct violation of my consumer rights and completely unjustifiable. California laws are stringent when it comes to safeguarding consumers against predatory lending practices. In my case, not only has this false reporting damaged my credit, but it has also hindered my ability to secure financial assistance for other vital needs. I have invested months in disputing this erroneous information with all three credit bureaus, yet I have seen no progress in removing it. I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf and address this issue with Mosaic. Their actions not only defy ethical business practices but also infringe upon my rights as a consumer. I have been unjustly victimized by this situation, and the financial implications have been devastating. Your urgent assistance is crucial to rectify this matter and bring Mosaic 's unfair and predatory practices to light. I am counting on the CFPB to uphold the rights and protections of consumers like me and ensure that justice is served. Thank you for your immediate attention to this matter. I eagerly await your response and guidance on how we can proceed to rectify this unjust situation. Sincerely, XXXX XXXX
03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 945XX	Web	Servicemember
I signed a contract for an off-grid PV system with a battery backup system with XXXX XXXX On XX/XX/2021 I signed a contract ( loan # XXXX ) with Mosaic to fund the {XXXX} project. As per the terms of my loan there is one disbursement of {XXXX} when the installation is 100 % completed. In CA it is illegal for a contractor to accept funds for work not done. My monthly payments start 90 days after the date the contractor shows evidence to Mosaic the installation is 100 % completed and I confirm the completion. I can not get a permit for the type of solar system I signed a contract for. Thus, XXXX has never completed the installation of the system I signed a contract for. However, on XX/XX/2021 XXXX XXXX fraudulently and illegally told Mosaic the project was 100 % complete. I was never contacted. Mosaic paid XXXX {XXXX}. When I was alerted that it was time to start paying the loan, I contacted Mosaic since clearly there was a big mistake. I dont have a permit, let alone a completed system, why am I paying for this as if it is completed? Since XX/XX/2021 I have been trying to get Mosaic to cancel this loan considering I dont have the system the loan is for. When I call Mosaic they start a cancellation case. XXXX XXXX then has 21 business days to contact them and either confirm the install isnt complete or to lie and say the project is ongoing ( which right there shows they lied earlier when they said the project was 100 % complete to get paid right?!?! ). I am on my 5th cancellation case. Each time XXXX calls Mosaic, lies and Mosaic then dismisses the cancellation without even contacting me. Even though I have told them XXXX is lying and shown them proof including the permit denial they still accept XXXX claim that the project is just fine. Why is this so hard for them to understand? I have rescinded the contract with XXXX and I am now in talks with the Contractors State Licensing Board because XXXX has committed quite a few illegalities. I got a voicemail from XXXX ( my first correspondence with them on the project since XXXX ) stating they would sent paperwork so they can remove whatever items they have left here from my property. Clearly that should show the contract is null and void and the system will not be completed. However, XXXX will not tell Mosaic that because then they will have to give back the money. Do I just have to pay {XXXX} for nothing? I cant afford an attorney. I would like to shut the autopay off because I cant afford it ( my husband is now XXXX ) but if I do my credit will get ruined. This is a loose loose situation and after 6 months I havent gotten anywhere.
02/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34953	Web	Servicemember
A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system. This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ). XXXX XXXX has gone bankrupt and no longer exists. Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility. The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly. The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You. The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.
02/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34953	Web	Servicemember
A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system. This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ). XXXX XXXX has gone bankrupt and no longer exists. Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility. The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly. The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You. The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.
12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80239	Web
I have been sending all of my payments through my electronic account via XXXX XXXX to Solar Mosaic Loan Services since the beginning of our loan in XX/XX/XXXX. They sent a report of a missed payment to the credit bureaus for XX/XX/XXXX. I did make my payment in XXXX to the XXXX XXXX office on XX/XX/XXXX ( and should have arrived by XX/XX/XXXX ) as we have done the entire time of the loan. I spoke with a Solar Mosaic representative in early XXXX as they called to tell me the payment had not been received. The money had already been taken out of our account to pay the XXXX payment and the representative said it could be delayed from the home office as the billing address has changed from XXXX XXXX, CA to XXXX, AZ. It wasn't until XX/XX/XXXX that we received our XXXX check payment of {$360.00} returned to our bank account and not until XX/XX/XXXX that we received the XXXX payment of {$360.00} returned from Solar Mosaic, at which we promptly brought the account current when we learned of the refunded money. This is clearly not within the 30 day grace period and should have never been reported to the credit bureaus for XXXX. We were never contacted that the payment was not being accepted or returned. I happened to look at my bank account when I realized there was more money than I expected. Included in this packet are two of the last payments that were accepted via XXXX XXXX to the XXXX XXXX office. As well as the pictures of our bank account proving we made the payment for XXXX, XXXX and demonstrating that those payments were returned by Solar Mosaic. We believe these are unfair business practices under the Fair Credit Reporting Act and this is directly affecting our credit score and our ability to secure a loan for a new home. We are asking that this be corrected on our credit score immediately. I have already requested this from Solar Mosaic and this was their response on XX/XX/XXXX : Thank you for contacting Mosaic, We understand you did send the payments, however, as we did not received them on time your account became delinquent, as such, we are unable to change the credit report we sent as we are obligated to report the accurate information. If you have any questions, please contact Mosaic Loan Servicing at ( XXXX ) XXXX? Our account is current and we have been outstanding customers through the life of the loan. Please call me as soon as possible at XXXX so that we can discuss this issue and determine the best way to resolve this. Thanks for your time and for working with us to create a positive outcome for this situation. Sincerely,
05/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95667	Web	Older American, Servicemember
I contracted with XXXX in XXXX of XXXX to install a solar system at my residence. I financed the solar system through XXXX preferred lender, Mosaic Solar. XXXX led me to believe that they could install the system before the end of the XXXX tax year. And when the system was installed and active, I would no longer pay my utility bill, but would I would have a loan payment. On XX/XX/XXXX, I received an email from the XXXX project coordinator saying that they in the process of getting a building permit. The result was that the system was not install by XX/XX/XXXX, costing me to lose out on a portion of the federal tax credit in the amount of about {$2500.00}, in a year that I needed it. In XXXX and XXXX, I waited to hear from the project coordinator about the installation, making a few calls, but not receiving any answers. I finally received an email on XX/XX/XXXX from a new project coordinator, stating they were still waiting for a permit. On XX/XX/XXXX, I received two emails, one from the new project coordinator re-stating that they were still waiting for the permit, and the other, a notification from XXXX stating that they were suspending installations because of the shelter in place situation in California. Then, on XX/XX/XXXX, I noted a debit to my checking account from Mosaic in the amount of {$200.00}. I called Mosaic, and was informed that this was my first monthly payment on my solar system loan. Further, I was told that 50 % of the funds, some {$14000.00}, had already been distributed to XXXX. I complained that the solar system was not installed yet, had not even been started to be installed, and in fact there was no building permit applied for. They told me they were going to investigate further, and to date I have not heard anything further. I have tried calling XXXX, however, they have stoned walled me, and will not discuss anything beyond the fact that they are not doing installation until the shelter in place is lifted. In the meantime, I am continuing to pay my utility power bill ( ~ $ XXXX/month ) and now on top of that, a loan payment for a non-existent solar power system ( ~ $ XXXX/month ). Instead of reducing my monthly utility costs, I am now burdened with a loan for a non-existent system on top of my utility costs.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76039	Web	Servicemember
In XX/XX/XXXX, XXXX XXXX submitted a loan request to a vendor for my solar panel project and the contract was never signed. The loan request was incorrect with $ XXXX in monthly payments with incorrect loan terms of 5 years. We brought this to the attention of XXXX XXXX XXXX and they advised that it was canceled. They provided a new contract with the correct loan time line of 25 years we signed and for nearly a year now, We have paid the correct loan on time to Mosaic Solar. We recenly recieved a notice for payment on the contract that was initially created in error dated from XX/XX/XXXX to start payments on XX/XX/XXXX. We have been in communication with Mosaic and they say we are still obligated for payments to the contract that was in error until our solar installer called them. Additionally, I receive notice that a payment was due for the INCORRECT loan amount that was supposedly canceled. This has been reported to my credit; there are TWO active loans in my name when there should only be one. Mosaic needs a cancellation form from XXXX XXXX. I called XXXX on XX/XX/XXXX and requested a status update. They advised they would call me by that Saturday with an update. I didn't receive that call. On Thursday XX/XX/XXXX and waited for 10 minutes for an agent to pick up the phone. I called again Monday XX/XX/XXXX at XXXX CST and waited for 30 minutes before I opted to leave a voicemail requesting a call. At XXXX XXXX CST I called again and waiting for 31 minutes but was never offered voicemail or a call back. I called again on XX/XX/XXXX and waited 5 minutes until prompted to get a call back when an agent was available. On XX/XX/XXXX I requested an update via email. I had gotten replies about this issue on XX/XX/XXXX, so I had hoped my XX/XX/XXXX follow up email would prompt a response and the response I received is that they want to increase the loan amount by {$2000.00} due to some error on their end, not cancel the loan as needed. Needless to say communication has been difficult and XXXX XXXX and Mosaic Solar instead of communicating with each other have us playing the middle person in an error of thiers and neither company is taking responsabilty to resolve the isue we have communiacted by phone and in written emails to both companies.
05/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	DC 20016	Web
Greetings, previous questions/responses do not apply to my situation so it is a proxy response for you to be aware. I have inquired solar panel installation for my house in DC in XX/XX/2023 from XXXX XXXX XXXX company ( XXXX ) who requested that my credit score is verified and the financing of the solar panels are secured by Mosaic Financing for XXXX installation. While XXXX XXXX ( XXXX ) did not make any progress and did not deliver on the project ( no plans, no follow-up ), after repetitive inquiries, I cancelled the request with XXXX on XX/XX/XXXX and informed Mosaic. Mosaic informed me that they have disbursed the loan to XXXX and that I have to start paying the loan back until XXXX cancels the project from their end. Meanwhile XXXX informs that it will take up to 60 days to cancel a project despite the fact that both XXXX and Mosaic had assured me that I could cancel " anytime '' during the design process. This is an agreed scheme between these two companies to scam consumers and I would like both companies to be investigated. XXXX Supervisor advised me on the phone at XXXX XXXX this morning that they will expedite the cancellation with Mosaic however I still would like to file this complaint for the following reasons : XXXX ) Mosaic can not disburse any loan to any company on my behalf without my consent XXXX ) Mosaic can not request loan repayment for a project that has not been implemented XXXX ) Mosaic can not finance customers without providing correct and proper information during the loan drafting process regarding their cancellation and disbursement practices. XXXX ) XXXX XXXX can not put customers through a detailed planning and financing process to do nothing XXXX ) XXXX XXXX can not take up to 60 days to cancel a project without justification XXXX ) XXXX XXXX should be transparent with their cancellation policy and inform customers properly during the design process. I have provided public reviews for both companies and will follow-up through local authorities as well. I would appreciate your soonest advice and action on this case that may harm other consumers who may not know their financial rights. Both XXXX XXXX and Mosaic Financing need to operate legally and ethically from now on. Thank you, XXXX XXXX
11/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	CA 926XX	Web
XXXX Mosaic allowed solar company to pull a draw to purchase equipment on XX/XX/XXXX. XXXX XXXX, has not had equipment multiple times for complete installation. Only have a few times the solar panels, no back up batteries ( XXXX ), sub panel ready. Workers showed up with only a few of the panels. I would not let them install because the work was so delayed and back up batteries were on back order as of XX/XX/XXXX. XXXX contacted Mosaic and XXXX XXXX multiple times with resolution. >> Contacted XX/XX/XXXX stating ready to install however, i have over XXXX interest for equipment at this point never installed. >> I reached out to XXXX XXXX by email with no response or follow up regarding concerns and resolution. Failure to install, missing permits, XXXX approval not verified. >> loan no XXXX >> installer showed up without all the equipment ; only had solar panels, not able to put online, no back up batteries for sub panel. Email XX/XX/XXXX completely misrepresented on XX/XX/XXXX >> permit was not filed until XXXX >> per loan documents. Freedom shouldnt have pulled over XXXX on XX/XX/XXXX for equip when it was not within 90 days away from installation and was not utilized to purchase equipment until recently. The permits have not been issued by the XXXX XXXX XXXX XXXX ; nor an approval from XXXX. Freedom is not supposed to pulling money from my line credit until 90 days prior to installation this is now 5 months and counting. If I have to file a complaint with Truth N Lending Act ( TILA ) and Consumer Credit Report act I will. As a VA and FHA government mortgage underwriter I am very familiar with lending laws as it is my responsibility as an underwriter to adhere to these laws whether it be consumer law or mortgage law. I worked for the largest solar lender XXXX and definitely know this is not okay to pull from customer line of credit 5 months prior to installation and make the customer responsible for interest and payments without product delivery. Laws and Regulations Truth in Lending Act Part 1026 Truth in Lending ( Regulation Z ) ( ecfr.gov ) provides access to the XXXX XXXX XXXX XXXX ( CFPB ) Regulation Z Truth in Lending... Credit Cards... Small Dollar Lending... Fair Debt Collection Practices Act...
03/29/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AR 727XX	Web	Servicemember
I am a XXXX XXXX veteran. Mosaic 's partner ( XXXX XXXX XXXX XXXX closed their doors and disappeared before the solar installation on my home was completed. according to Mosaics email ( attached ) dated XXXX XX/XX/XXXX they were responsible to verify installation so that we can forward payment to the installer for their work. If Mosaic had actually completed step # XXXX, like they stated, I wouldnt be on the hook for {$67000.00}. I believe that Mosaic should have confirmed the work being completed before they paid out the full sum of the loan. Example : no one pays a homebuilder the full sum, up front. The disbursement is paid to the contractor based on work completion and material costs. I understood that Mosaic was to make loan disbursements to XXXX XXXX based upon completion or status of the work that has been completed. Instead, Mosaic disbursed the full {$67000.00} to the installer prematurely before the installation was complete. As well, this money being disbursed prior to completion triggered my monthly installment to Mosaic to begin. These payments should not have begun until after my solar system was up and operational. I made my XXXX payment on XX/XX/XXXX on a system that is not working. In the loan agreement, page XXXX, reads : " in order for us to make disbursements on your behalf, we may require you to confirm that installation contractor has satisfied certain conditions in the installation process. '' I did receive a message from Mosaic asking if the installation was complete and I noted it was not complete. XXXX scammed a lot of folks out of a lot of money but Mosaic 's failures are clear and cost me a lot of money. I have filed XXXX complaints with Mosaic and none of them got resolved. Mosaic has not delivered on their portion of the contract and I requestion XXXX of the following : XXXX. Fix my solar. I have attached a bid from a reputable, local solar installer. Costs to get my system up and running is {$17000.00}. XXXX. Cancel my loan and come get your equipment. I refuse to fill the pockets of the rich while I serve ramen to my family just to pay the bills. Mosaic should be ashamed of their immoral business practices and their inability to admit when they have made a mistake.
12/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 72701	Web	Older American
On XX/XX/XXXX, I agreed for a solar company, XXXX XXXX XXXX XXXX XXXX, to install solar panels on my roof. XXXX put me in touch with Mosaic for the financing of the project in the amount of {$42000.00}. It took me until XX/XX/XXXX to finally get all of the panels installed. My electric provider ( XXXX ) notified me on XX/XX/XXXX that XXXX had not responded back to their requests for the interconnection. So I called XXXX on XX/XX/XXXX to inquire about this. They sent a person out to my house the next day to acquire some information which they said would be submitted to XXXX. Two weeks went by and XXXX contacted me again saying they had not heard anything. So I started trying to call every XXXX phone number that I had and got no answers or callbacks. This was on XX/XX/XXXX. The next day I called XXXX and asked them what I needed to do to allow a connection to be made. They gave me a list of 3 things that needed to be submitted. So I gathered that information and emailed it to XXXX. On XX/XX/XXXX, a XXXX meter technician came to my house and installed a new electric meter which would measure power coming in from the solar panels. We threw the breaker switch for the panels and, unfortunately, nothing happened. In speaking with others about this company, they all have had the same experience. Panels installed that are not operational! I called another solar company and they were nice enough to advise me to cancel my loan financing agreement. I have had two payments already withdrawn from my account. So, I contacted Mosaic on XX/XX/XXXX and filed a complaint with them asking them to cancel our agreement. They sent me an email and said they would contact XXXX to get them to come to my house and finish the project. They also supplied a phone number for XXXX to me. I called the number for a solid week and never received an answer. I left messages but never have received any callbacks. I called Mosaic again on XX/XX/XXXX to check on the status and they said they were still awaiting a response from XXXX. I called Mosaic again today ( XX/XX/XXXX ) and they said they were still awaiting a response. I told them they would never get a response because this whole thing was a scam and I wanted this loan canceled.
03/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 535XX	Web	Servicemember
The loan with Mosaic was arranged by a company that installed solar panels on the roof of my home. Payments on the loan began onXX/XX/XXXX21 and are due the first of each month. I track the payments and daily interest in a spreadsheet and an amortization schedule spreadsheet. ( The loan is in my wife 's name but during the call referenced in paragraph 4, she gave permission for me to discuss the account ) In addition to the monthly payments, i made one additional payment in XXXX and two additional payments in XXXX. The effects were expected as the daily interest gradually went down - the differences in the interest and principal from the Mosaic website and my own tracking methods was negligible. With the XX/XX/2021 payment, however, the numbers were drastically different. I was expecting about a {$30.00} in interest at about {$4.00} daily interest from a payment that processed XX/XX/XXXX to XX/XX/XXXX. Instead I was charged {$48.00} in interest. I did call a customer service number and left my information and a message on the situation - rather than waiting for a response, i called again during business hours. The customer service representative ( XXXX, who was friendly/professional ) noted the current daily finance charge was {$4.00} ( close to what i have in my amortization schedule ) but she said that the interest charged on XX/XX/XXXX was for 11 days. By my calculation, XX/XX/XXXX to XX/XX/XXXX is 7 days. I am not sure if it is legal but it would certainly seem unethical to add days to a month. If each month is a set number of days in their calculations it would seem they should have a monthly interest charge rather than their daily finance charge. I am glad I have been tracking the payments and I caught this early in the loan so that ( hopefully ) i can prevent years and years of continued ripoffs by this unscrupulous company. The Mosaic rep is running a report to see how the interest was calculated the way it was. I encourage the good folks at the CFPB to look into this company to see if there is a history of ripping people off with excessive interest and finance charges. Please do not hesitate to contact me for additional information. Thank you, XXXX XXXX XXXX XXXX XXXX
03/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 94610	Web
In XX/XX/2020 I took out a loan for a XXXX XXXX XXXX XXXX XXXX in the amount of {$21000.00}. Between XXXX and XXXX, the installation was not " online '' due to installation delays and final utility inspection. During this time " no payment was due '' and yet the fine print of the contract said that interest would accrue on the principal. When I signed the contract, I was aware that interest would accrue but I was not aware that this gap in time might take three months. In XXXX the system turned on and I started making recurring payments at the amount set by XXXX. None of the documentation sent to me showed the amount of interest accrued or the fact that all of the monthly payments were only going towards interest and not principal. The monthly statements only said " you're payment of {$110.00} was received. This statement did not say that my account had an outstanding balance of {$130.00} worth of interest and that continued payments would only go toward interest. For any real information, one has to go onto the website. A very poorly visible ( almost hidden button ) saying " view transactions. '' This page allows one to see a bit more detail but nowhere on this page does it show the accrued balance. It only shows a principal value that is unchanging. This looks like a software bug, not an issue with an unpaid interest or underpayment of the loan. For the full story, one needs to find the very specific button of My Account > My Account Summary > " click here to view your payoff ''. Only there can one see their outstanding interest but it is labeled as " interest receivable '' : a confusing term at best ; misleading may be a better description. The net result for me is that the first five payments ( totaling close to {$600.00} ) went to waste. Had the first statement showed an accrued interest of {$130.00}, I would have paid it off that first month. But it didn't. There was no communication to that effect. Had I been less curious about this issue, I could have paid interest-only for years, never paying down the balance. If you take a loan out through Mosaic, be sure to watch your account carefully otherwise you might just be flushing money down the drain.
08/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 919XX	Web	Servicemember
My husband and I financed through Mosaic for a Home Improvement Contract with a General Contractor. The loan is in my husbands name. We were approved for a $ XXXX line of credit. The contract we signed with the contractor was for {$23000.00} and we gave them a {$1000.00} cash deposit leaving the balance of the loan a total of {$22000.00}. On XX/XX/XXXX we received an email that Mosaic had issued a payment to the contractor for {$12000.00} which was almost 54 % of the total and the contractor didn't even start the job until XX/XX/XXXX. California Code, Business and Professions Code - XXXX XXXX says : " IT IS AGAINST THE LAW FOR A CONTRACTOR TO COLLECT PAYMENT FOR WORK NOT YET COMPLETED, OR FOR MATERIALS NOT YET DELIVERED. HOWEVER, A CONTRACTOR MAY REQUIRE A DOWNPAYMENT. THE DOWNPAYMENT MAY NOT EXCEED {$1000.00} OR 10 PERCENT OF THE CONTRACT PRICE, WHICHEVER IS LESS. After 10 days of working on my house. The contractor abandoned the job on XX/XX/XXXX and refused to fix the substandard work. I called Mosaic and told them not to make any additional payments to the contractor and asked why they paid them so much in advance and they said it was standard that they pay the contractors 30 % upfront.. I called them many times over the next several weeks and they hung up on me multiple times and kept telling me my case was with a different department and they would get back to me in a few days and never got back to me. On XXXX I spoke with someone about cancelling the loan. The representative told me they would have to contact the contractor first. I asked what happens if the contractor does not agree to cancel the loan and she told me they would reach out to me for more details and do their own internal investigation. On XX/XX/XXXX I received an email saying " We received a response to your cancellation request from XXXX XXXX. They have informed us that your project will continue. Mosaic will close this cancellation case and will continue with the current loan. '' The bank has been very difficult to deal with and is more interested in protecting the substandard contractor than helping the consumer because this is the way they make their money.
01/19/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA XXXXX	Web	Servicemember
Greetings. I contracted with XXXX XXXX XXXX company to installing solar panels on my home/private business. The sales representative falsified documents pertaining to payment method ( said we could setup auto pay with the company credit card ) however this was false in the final contract. Additionally, the installation timeline in the original communication said we had 3 days after installation to verify the equipment. This was also false, it is 3 days BEFORE. This resulted in panels being installed and damaged to the property being done. Upon finding the damage and realizing the falsified contract presented by the sales agent, XXXX XXXX ( XXXX ) XXXX And XXXX XXXX ( XXXX ) XXXX I requested cancellation and was assigned a case manager, XXXX XXXX. XXXX After multiple emails and phone calls, she has refused to assist in the cancellation anymore. She has also refused to take calls, and when I have attempted to call the XXXXXXXX XXXX am blocked, therefore preventing me from resolving current and future issues. Solar Mosaic LLC contracted with XXXX XXXX, on behalf of XXXX XXXXXXXX to serve me a debt collection letter on XXXX XX/XX/2023 for the installed panels, despite my repeated communication to cancel. My credit score has dropped to XXXX from XXXX and now I am either forced to pay the delinquent amount or face further harassment. Additionally, I have been responsible for paying {$410.00} in fees to Solar Mosaic LLC and {$2200.00} in electric bills to XXXX & XXXX that were supposed to be covered by the XXXX XXXX XXXX. The panels we installed in XXXX and have not been activated, resulting in no benefits being received. The servicing agent, XXXX, even made mention that panels were not activated when he served me at XXXXXXXX XXXX on XXXX XX/XX/2023. In summary, XXXX XXXX XXXX and Solar Mosaic LLC are intentionally targeting XXXX XXXX ( myself XXXX ) and XXXX veterans ( my wife XXXX - XXXX ) with their deliberate refusal to honor cancellation agreements. My intent is to inform and hopefully prevent others from becoming victims of these companies. XXXX XXXX
08/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 770XX	Web	Older American
A loan agreement was signed on XX/XX/2022, with the help of the contractor XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX to finance home repairs. The money was dispersed on XX/XX/2022. XXXX quit and threatened to sue on XX/XX/2022 after repeated request for a complete bill, a completion date, all paperwork that pertains to my home, such as inspection reports. a stipulation for contractors in the Mosaic program is that the work be completed and done correctly. Not only is work not completed on the home, there is substantial damage. Proof of damage and a settlement agreement offered after both XXXX and XXXX XXXX did a walk through to see the damage. Each complaint sent to Mosaic ends with the installer said that they had proof that the work was completed, but was unable to provide me that proof, and a later reply that the installer would finish the work. The last call I had with XXXX was on XX/XX/2022. As we were on the call, XXXX began to give a run down on how the project order was supposed to happen ; I cut him off when he said an engineering approved reminding him that there was no engineering done at my house, and he hung up. This information was presented to Mosaic, and the still sided with the contractor. Some of the remedies from Mosaic if the work is not complete or is not up to par is to require the participant ( XXXX XXXX ) to refund the money, cancel the loan agreement. Mosaic has continued to pass my complaint from person to person ; XXXX to XXXX to XXXX to XXXX. Was told by XXXX, XXXX and XXXX that an investigation was happening and that if they continued to not receive contact with the installer, they would send someone to XXXX XXXXXXXX XXXX and to my house to find out what's wrong. While the case was under XXXX, XXXX closed it and I had it reopened. I have not been able to get any compliance worker on the phone for the past two weeks. Lastly, a payment was returned from Mosaic saying they can't find account, but I received a payment received letter. I believe they are intentionally not working with me and are trying to put a lein on my house.
09/02/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	TX 754XX	Web
Mosaic Loan and XXXX XXXX ( solar company ) Loan Amt : XXXX at 3.9 % interest. XX/XX/ Solar sales person named XXXX did his sales pitch and was advised that we have 2 weeks to cancel and may disregard whatever is in the contract because he has control over it and can extend to 2 weeks. Applied for loan and solar and schedule an roof inspection on XXXX XXXX roof inspection was done ; I clarified with XXXX if battery is included in the quote for which is not and only XXXX will be installed instead of XXXX. XXXX, I cancelled XXXX XXXX for cancellation ; I found out that there are only 3 days to cancel. XX/XX/ emailed XXXX XXXX because there is no confirmation and email mosaic Loan that project will not push through. ( Couple of phone calls are made every week on this period and XXXX XXXX promised that they will cancel but it takes 30-60 days for it to be cancelled, Mosaic Loan would not acknowledge unless they received a communication from XXXX XXXX that the loan is cancelled. ) XX/XX/ Mosaic Loan sent an email that XXXX XXXX informed them that the solar project will continue. I called Mosaic Loan and I found out that on XX/XX/ Mosaic Loan Released a fund to XXXX XXXX without informing me. Mosaic Loan said that they have a voice recording of " welcome call '' that confirms my identity and acknowledging my loan. I checked XXXX XXXX XXXX call history but no call was made in my phone number aside from personal and work numbers. XXXX XXXX refuses to coordinate at this point. Hence, I have a loan with no solar panels. To whom they find the voice recording of my name without their phone number registered in XXXX XXXX XXXX call history is fraud. In the contract, it is stated that I can cancel even after cooling off period ( 3 days ) but need to pay for whatever was done. In my case, only roof inspection was done which is a preliminary process if my roof is qualified for solar. I understand that they need funds in order to start with the project. However, to release a fund before roof inspection is done is unacceptable. What if my roof is not qualified?
05/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92563	Web
I hired a local solar company XXXX XXXX XXXX to install a solar system at my home. They recommended to secure financing for the project through one of their preffered partners, a company named Mosaic. I went ahead and submitted the application with Mosaic and got approved for the loan for the entire solar panel cost of {$26000.00}. I setup my account and started making monthly payments to Mosaic. Fast forward to more than a year later, the solar panel has not completed the job. They have failed every single inspection to get the job approved by the city and connect the solar panels to the grid. The solar panel does not respond to my phone calls, when I finally get through they just say that they will investigate and get back to me, but they never do. So I have put 3 complains on 3 separate occasions with Mosaic, the financing company about the issue that I'm having but they seem to be unable to provide any help with this matter. Originally I was told by them that they only paid XXXX XXXX XXXX a small down payment to initiate the project and that the final payment is done after project is fully completed. But today, XX/XX/2023 after I call to complain for the third time, the Mosaic representative informs me that XXXX XXXX XXXX has already been paid in full. That makes sense, since XXXX XXXX doesn't show any desire to move forward or complete my project. My contract with XXXX XXXX XXXX shows they get paid {$1000.00} to begin the project and the remaining amount when the Final Inspection is done. So I don't understand why the financing company paid them all the amount in full already. In the meantime I'm paying a monthly payment to Mosaic for something that has not even been performed. My guess is that both XXXX XXXX and Mosaic have some sort of arrangement internally which doesn't involve the consumer at all. How is it that a financial institution that lends you money contingent on a home renovation project being completed doesn't offer any help when the consumer is being ignored by the contractor?
01/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33625	Web
I contracted a installation company to install solar panels on my home. We signed the contract in XX/XX/2022. They ran a credit application with Mosiac. I was approved up to XXXX but the amount on the contract was $ XXXX. According to Mosaic paperwork they were going to do 2 disbursements with the final being after installation completion. The installation company started the installation in XXXX and has not finished the installation. They were contracted to install 31 panels for the home and 6 panels for the pool and 3 batteries. They did not install the pool panels. Their install did not pass County inspection. One of the batteries needs to be replaced according to the manufacture but I must work with the installer for that. The problem I have with Mosaic is they disbursed the second wave of funds without confirming with the borrower is the work has been completed. Their justification is that the installer provided documents saying it was completed. I shared those doc has to be falified or fraudulent. I requested a copy of the documents and have not gotten a definitive response if they will share them with me. As it stands the installers has bailed out with XXXX with XXXX being the second disbursement and they are not returning calls, text messages nor emails. Mosaic has a fidicuary responsbility to ensure their borrowers are not scammed or frauded especially on actions on their part. So now the payment started in XX/XX/XXXX and I did not have panels fully installed or an operational system. If Mosaic would have reached out to their borrowers the amount of the damages would not be so great and therefore not causing harm. So now I forced to pay Mosaic and the electric company for services that are not rendered. I received the attached email from Mosaic and they are not taking ownership in their role in this scam. They have an established partnership with XXXX XXXX XXXX and they partnership got in the way of protecting consumers. I did not seek out Mosiac XXXX XXXX presented them as their preferred lender.
07/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	FL 347XX	Web
I am writing to complaint against a financial institution call Solar Mosaic LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX with the CA Finance license # XXXX. This company disbursed all the money from a loan acquired by me to a company that I hired back on XXXX XXXX to do solar panels and some improvements to my home and that never finished my project. We contract XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX, Owner name XXXX XXXX XXXX XXXX and his wife XXXX XXXX. Their company address was XXXX XXXX XXXX XXXX XXXX FL, also have another address on file as XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX but apparently, they closed the company. Owner address is XXXX XXXX XXXX XXXX, FL. As today XX/XX/XXXX our home improvement is still not finish and the owner calls saying that he doesn't have the money to finish my improvement and he said that we need to wait more time until he can get more money to finish our project, when the financial institution give him all the {$120000.00} of the loan back on XX/XX/XXXX. The financial institution just asks me if the panels was installed on the house but they never ask for the completion of all the improvement that goes in the contract and its not just me is more than XXXX families having the same or very similar situation with this company XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX Solar and this financial institution Mosaic. They all have been fraud with thousands of dollars. Paying their loans without the completion their projects also they fraud us with the solar warranty and services that their promise to me and my wife. We need your help and this need to be investigated as soon as possible. We are paying a total amount with interest of {$150000.00}. We never see this money, Mosaic just send it to XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX Solar directly and is so frustrating to pay a loan without them finish their job and under lies and false promises to the consumers.
06/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web	Older American
In XXXX, XXXX, I purchased solar panels for my home through a company called XXXX XXXX '. They offered, and I accepted a time payment plan from a 2nd party company named " Solar Mosaic '' @ a 1.49 % interest rate. The system was installed on my home and payments to Mosaic began XX/XX/XXXX, XXXX.Mosaic takes the payments directly out of my checking account. This was a condition of the loan. So, on XX/XX/XXXX the payment for XXXX had been taken from my checking account, as agreed. The payment for XXXX, XXXX, was not due and payable. ( This is where my complaint begins ) On XX/XX/XXXX, I paid an additional {$500.00} to principal on the loan - as to reduce the balance. The Mosaic Company credited my account with ( {$490.00} ) and charged me interest of ( {$5.00} ). I contacted them and was told, in order for the amount of money paid over and above the regular monthly payment, the additional amount had to be paid along with the owed amount. Well, since the company Mosaic takes the money directly out of my checking account, there is NO WAY to accomplish this. I pay down that loan when I have the extra funds to do so. Is it legitimate for Mosaic to remove interest money from additional money I pay towards the principal on the loan? I think not. The way they have it figured, every nickel i pay on my loan has an interest charge tacked onto it. Again : The Mosaic company removes the monthly payment directly from my checking account. If I elect to pay an additional amount, they charge interest on the additional amount. I can not submit extra money to be applied to principal without them removing interest because they remove the monthly payment money directly from my checking account. Their records that are the basis of this complaint are listed below. amount principal interest XX/XX/XXXX Payment ( {$97.00} ) ( {$64.00} ) ( {$33.00} ) XXXX ( Additional ) Payment ( {$500.00} ) ( {$490.00} ) ( {$5.00} )
12/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 80205	Web
I have had XXXX issues with Mosaic XXXX XXXX XXXX that I believe are predatory and unethical practices. Mosaic has had XXXX complaints of a similar nature to the XXXX in the last XXXX years. **** ( XXXX ) XXXX XXXX Mosaic XXXX XXXX XXXX XXXX, AZ XXXX First issue -- I was sold Solar by XXXX XXXX in Colorado for an apartment building I owned at XXXX XXXX XXXX, XXXX CO XXXX XXXX After solidifying the order they recommended Mosaic Solar as the financing company. My payment was as expected for a while. Soon I received notice that because my loan balance hadn't fallen below a certain amount, my payment would increase to $ XXXX -- this despite me paying every payment on time for the last XXXX months per the contract ( via autopay ). Over the course of the last XXXX years I have paid only {$2700.00} in principal. I was never informed that I would need to make any additional payments ( on top of my regular installment payments ), nor that if I didn't make additional payments I would also have a greatly increased payment. I tried to contact both XXXX XXXX and Mosaic XXXX. I was able to reach XXXX XXXX but they informed me they could not help. It was nearly impossible to get anyone on the phone for Mosaic other than a call center associate. Second Issue-I went to refinance my property where I had installed solar. Mosaic had put a lien on my property despite the fact that the loan was on the equipment. This incorrectly clouded title nearly prohibiting my refinance from going through. I had to hire a lawyer spending over {$3000.00} to get my mortgage company to agree to the refinance. My lawyer described the lien as barely legal and certainly unethical. It was nearly impossible to get someone on the phone at Mosaic until I retained a lawyer. I believe this company is unethical and predatory and should be held accountable. Thank you for your time and consideration XXXX XXXX XXXX
11/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	SC 29456	Web
BLUF : A loan was taken out in my name and a lien on my house to do work that was never done, nor authorized to be done. I rejected the solar panel plan and did not want anything done to my house. No work on the house was done, but a loan was still originated without my consent. Around XX/XX/XXXX : A solar panel installation company called XXXX XXXX XXXX ( XXXX ; XXXX ) did an unsolicited quote for solar panel installation on my new property at XXXX XXXX XXXX XXXX, XXXX XXXX SC, XXXX. I listened to the pitch and I gave them my info and I told them that I would think about their proposal. I called the sales agent after a few days and told him I was no longer interested in installing solar panels in my house. I checked the XXXX XXXX login portal and my status said the project was suspended. The date is now XX/XX/XXXX. I am in the process of buying a new house, and my credit report shows a lien on my house from Solar Mosaic LLC ( XXXX; XXXX ). The loan amount is {$26000.00}. ( Mosaic Loan Number XXXX ) I was never notified by phone or mail that this loan was being taken out in my name. XXXX XXXX uses Solar Mosaic to finance their projects. I have contacted both companies and requested that this lien be removed because I did not request solar panel installation. No installation was done nor planned, but the lien was placed anyway. It has been over three months since I originally contacted both companies. I recently called XXXX XXXX and got a new support ticket. XX/XX/XXXX XXXX XXXX support ticket # XXXX ( email and phone call ) XX/XX/XXXX XXXX XXXX support ticket # XXXX ( phone call only ) I have also called and emailed Solar Mosaic about the loan cancellation. They need approval from XXXX XXXX before they can cancel the loan. Mosaic has emailed me several times indicating that XXXX XXXX is not responding to their requests for cancellation.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 91739	Web
Please see attached documents as well as previous statement provided : In the process of refinancing my home, it was brought to my attention by a title company handling my loan, that a lien was placed against my home on XX/XX/XXXX. My solar equipment was purchased, not leased, in XXXX of XXXX. Mosaic Solar Acct # XXXX # XXXX. I have made timely payments through auto pay monthly. I have refinanced my home twice since purchasing my solar equipment in XXXX and have never had an issue with my home title. It was brought to my attention through this current refinance, that a new lien was placed on my home for the solar in XX/XX/XXXX. They never notified me by mail, e-mail or phone call that a change in my home title was taking place. They notified the title company that lien subordination was required to lift the lien so that I would be able to refi. And they also indicated that they required a {$250.00} fee to lift the lien and re-subordinate. On XX/XX/XXXX, I asked my lender to place a 3 way call with Mosaic. They indicated that they did not provide me with any communication in XX/XX/XXXX and this was their error. I asked them release the lien on my property and waive any fees so that I would be able to refinance my home and incur any charges for a lien that should have never been placed on my home. I have attached the e-mail sent by the title company indicating the {$250.00} charges owed to Mosaic for the subordination as well as the e-mail from XX/XX/XXXX from the phone call placed to their offices. Its my desire to quickly close my refinance to preserve the low interest rate that I have locked in for my home. This has caused a time delay and an excessive fee of {$250.00} that possibly other customers have paid erroneously when owning their solar equipment and never receiving lien notification. Thank you, XXXX XXXX
03/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 79707	Web
Hi, My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX Texas XXXX. The nightmare begins XX/XX/2021 when I agreed to solar energy with a company XXXX who is now out of business and their lender partner Mosaic XXXX XXXX for solar energy systems. In XX/XX/2021 XXXX sent a group out to install panels on my roof and that was all, they locked me with the panels and I was paying in good faith thinking I was going green here in the near future but it turns out that theirs been no permitting done not anything but the holes in my roof now! I've waited and waited for them to return, I've called left messages I've reached out to XXXX numerous times in email and by phone and no response. I've tried to go through Mosaic to try to get through to XXXX and nothing. Mosaic has sent me to collections for default but both XXXX and Mosaic are the ones in default. I've asked Mosaic to cancel the loan but Mosaic is telling me that I have to cancel through XXXX ( why!?! ) who is now out of business and has left no line of communication to even try that. My credit score has been impacted by this scam and fraud ordeal and I now receive these letters from Mosaic about being in default under the Solar Loan Agreement and that they reserve the right to disable my solar equipment THAT I NEVER RECEIVED! and now like I mentioned my credit has been negatively affected and I should not have to pay for something I never received and I believe that this should be removed from my credit report as soon as possible. Please help me in getting this resolved. I've reached out to all 3 credit bureaus already in the attempt to clear myself and to just make a claim in my defense. So my hopes are to be cleared of the false claims by Mosaic to the credit bureaus that I'm in default and to get loan with Mosaic cancelled for breach of contract. Thank you
12/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CO 80301	Web	Older American
XXXX Solar Mosaic , Inc. numerous times with no resolution XXXX. ) Solar Mosaic , IncXXXX paid out the 40 % installment on my loan ( {$8800.00} ) to XXXX XXXX for installing solar panels on XX/XX/XXXX, before the work was inspected by the city ( Inspection Date XX/XX/XXXX, XXXX it did not pass ) and before I approved the payment. XXXX. ) The solar company, XXXX XXXX, effectively but not officially, went out of business after Mosaic gave them {$8800.00} from my loan but before the rough or final inspections passed by the city. XXXX. ) The evidence for XXXX XXXX going out of business is they did not return my calls or emails starting on XX/XX/XXXX and continuing to today, XXXX, XXXX, XXXX. Now when calling the numbers provided to me by Mosaic ( XXXX or at their previous number, XXXX ), I get this number is no longer in service. XXXX also states XXXX XXXX is permanently closed. XXXX. ) I have contacted Mosaic numerous times starting on XX/XX/XXXX, for which they open a case number but then close it without any resolution. ( Complaint cases # XXXX, XXXX and XXXX ). When I called Mosaic on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Mosaic said a specialist will call me within 2 days but I never get a phone call. XXXX. ) Since I do not have Permission To Operate ( PTO ) and the company XXXX XXXX is effectively out of business, I am currently asking Mosaic for XXXX things : XXXX. ) To allow me to use the final 10 % payment ( {$2200.00} ) to pay another solar company to get the solar system to PTO to make the panels operational. XXXX. ) To give me the photos and documents that permitted them to pay {$8800.00} to XXXX XXXX for installing the panels. I need these photos for the city inspectors to pass the rough inspection. They say it is not their policy to give out these documents.
03/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web
MOSAIC FINANCE CLAIMS TO HAVE UNDERWRITTEN A LOAN TO ME FOR A SOLAR SYSTEM INSTALLATION ON MY HOME ON XXXX. THE LOAN PROCESS APPLICATION WAS APPLIED FOR IN MY HOME ONLINE WITH THE ASSISTANCE OF A SALESPERSON FROM THE NOW-FAILED SOLAR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX. MOSAIC ENTERED INTO A FINANCING AGREEMENT FOR XXXX XXXX CLIENTS. AS OF XXXX, XXXX BEGAN BILLING ME FOR THE MATERIAL SECTION OF THE LOAN AT XXXX A MONTH. MOSAIC CLAIMS IT PROVIDED FUNDS TO PURCHASE MATERIAL TO XXXX XXXX. TO DATE, I HAVE NO EVIDENCE THAT SUCH FUNDS WERE PAID TO XXXX. IF IN FACT THE FUNDS WERE ISSUED TO XXXX, I CONTEND IT WAS MADE ERRONIOUSLY BY MOSAIC DUE TO THE FACT THAT THEY KNEW THAT DOCUMENTED LEGAL COMPLAINTS WERE BEING MADE AGAINST XXXX. XXXX XXXX IS CURRENTLY BEING SUED BY THE ATTORNEY GENERAL OF XXXX FOR NEFARIOUS BUSINESS TACTICS AGAINST XXXX HOMEOWNERS. THE COMPLAINT LISTS COMPLAINTS GOING BACK THROUGH XXXX. I WAS CONTACTED BY A MOSAIC REPRESENTITIVE WITH THE INTENT TO GATHER FACTS ABOUT ANY MATERIAL OR LABOR PERFORMED BY XXXX. I EXPLAINED THAT I HAD RECEIVED NOTHING. I ASKED HIM FOR FURTHER ASSISTANCE, AND HE EXPLAINED THAT HE COULD OFFER NOTHING AND THAT I WOULD BE CONTACTED BY A RISK REPRESENTATIVE AT SOME POINT. TO DATE, I HAVE NOT BEEN CONTACTED BY ANY MOSAIC REPRESENTITIVES IN REMEDIATION OF THIS ISSUE. I CONTINUE TO GET BILLS AND LATE PAYMET NOTICES. I RECEIVED AN EMAIL, AND I AM ATTACHING HERE DOCUMENTS PERTAINING TO SOME FORM OF ASSISTANCE. HOWEVER, NO SUCH ASSISTANCE WAS EVER PROVIDED. IT IS MY OPINION THAT MOSAIC MAY HAVE OR MAY NOT HAVE ISSUED FUNDS, BUT THEY ARE BILLING ME ANYWAY FOR A LOAN WITH THEIR FULL KNOWLEDGE OF XXXX XXXX FINANCIAL COLLAPSE AND POSSIBLE FRAUD AGAINST CONSUMERS. MOSAIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/05/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93230	Web
In XX/XX/XXXX2021 a solar rep came to my house to try and sell solar.. he told me he would do a soft credit search to see if we could get approved. I told him I did not want to approve anything until I talked to my tax person. I had a XXXX XXXX at the time I never signed anything again I told him I needed to talk to my tax person onXX/XX/21XX/XX/XXXXhe tried to send someone out XX/XX/21I said no. on XX/XX/I sent him a text from the tax office and told him absolutely it was a NO and that he had been dishonest with me after talking to the tax person the next day a crew arrived at my house to install I told them NO I was not getting anything from them and they left.. the following month someone from the solar company called trying to get me to get solar once again I said NO.XX/XX/21 I got an email from MOSAIC XXXX XXXX XXXX XXXX AZ XXXX loan servicing department stating they received a cancellation request from XXXX XXXX to cancel my loan. I told them I never got a loan XX/XX/XXXX I got a statement review. I contacted the XXXX they said it would be corrected XX/XX/XXXX I got an email asking for payment of XXXX due XXXX once again I informed them I didn't owe them anything they responded saying it would take 2-3 weeks to process the cancellation they had only received confirmation on XX/XX/21on XX/XX/XXXX I was told any payments I made would be refunded. XX/XX/XXXX they reported the debt on my credit reportXX/XX/21 I received a statement notice for loan number 145467XX/XX/21 I received another email asking if I forgot this months payment and the payment required is {$140.00} {$140.00} was due on XX/XX/21. I do not owe this company anything and have continued to tell them this they tell me it will be taken care of and they still try to collect a debt I do not owe.
01/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 95843	Web
I was approached at my home by a Solar Company 's salesman. He had me talked into installing solar panels on my home. Not including the unprofessionalism about the solar company, but I never had the work done. Never started the work, nor completed. Did not hear from the company for over 2 months. Meanwhile I decided not to have them do any work on my house. My complaint is about the loan company that a loan was taken out in my name and paid to the solar company. The loan company is called Mosaic. They have started sending me bills, and my statement. A loan in the amount of {$37000.00}. XXXX XXXX XXXX XXXX XXXX dollars. This company paid this solar company before confirming with me that I even wanted this done. They also never got verification that the job was even complete before sending them any money, let alone verifying that they even started the work. Which they did not. Absolutely no work was done by anybody from XXXX XXXX at, or on my house. Not only I was never informed by the salesman that he was applying for a loan in my name to pay his company. I have sent 3 correspondence emails to Mosaic wanting this loan closed, and removed from my record.and credit report. I have not received a response from them. The salesman finally responded and he said there must have been some glitch in the process. That I shouldn ' t have been charged. I am a XXXX XXXX and I am getting real tired of being blown off by mosaic. Nobody seems to ever have answers there. I am requesting an intervene by the Consumer financial protection bureau. A look into their company poicies, needs to pin point their practices, and how they pay out money to the contractors prior to any completed work done. I would like answers on how do they do that??????
10/24/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30121	Web
XXXX I began an agreement with XXXX XXXX XXXX 's to install windows and two doors. I was told my payments would be interest-free and start in XX/XX/XXXX. I received an email from MOSAIC on XX/XX/XXXX, stating money would be due XXXX. I called the MOSAIC on XX/XX/XXXX to discuss the terms. The representative on the phone concluded that there had been no money removed from the account and I requested the loan be closed. I was told to try and get in contact with XXXX XXXX XXXX and informed them of this cancellation. And the MOSAIC company would try and do the same. On XX/XX/XXXX, I spoke with XXXX XXXX, representative of XXXX XXXX XXXX, who confirmed that there should be no payments or interest until XX/XX/XXXX. I then received an email from MOSAIC on XXXX stating that funds from my account had been dispersed to XXXX XXXX XXXX { This was the first time I had heard XXXX XXXX }. The letter also stated : " You will also receive a final communication from us when the cancellation process has been completed. '' On XXXX I sent a written notice to MOSAIC canceling all ties. On XXXX, I received an email saying they received a payment from me. On XX/XX/XXXX I sent a certified letter demanding all rendered null and void by virtue of the total failure perform. On XX/XX/XXXX I received an email indicating payment was revoked due to Customer authorization being revoked. On XX/XX/XXXX, another email asked for payment. I am claiming due to fraudulent actions of MOSAIC and failure to perform from XXXX XXXX XXXX that all ties be null and void. I request this situation to be resolved with all further contact being written and recorded as I may be forced to take legal action.
07/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NY 121XX	Web
I have had Mosaic as my lender since XXXX for my solar array attached to my house in XXXX XXXXXXXX, CO. I am currently in the process of selling the home, as a result of a lawsuit, and require the loan to be paid or refinanced by the purchasing party. I have contact Mosaic on numerous occasions. Just recently I spoke with 2 people and had two different email exchanges on XX/XX/XXXX. Now I have just spoke with another representative today XX/XX/XXXX after getting an email yesterday ( XX/XX/XXXX ) asking for information about the buyout, of which I do not have. Now, evening on XX/XX/XXXX they are asking me to fill out an online form for the requested information I have already sent them twice. It is also information that they need to get from the purchaser, not me. On all three occasions they have all told me the same thing. You simply need to authorize the purchaser and they can do all the work. Each and every time they come back to me for more information that I do not have. Moreover, their cookie cutter emails have contact information that is no longer working and I get an automated response about when I follow their instructions. Closing for this house supposed to be Tuesday XX/XX/XXXX and we continue to be delayed by Mosaic, who can not keep track of my loan or the purchaser or the information I have already provided them with. It has delayed the closing the cost me more attorney fees. Furthermore, they locked me out of my online account since I am not going to be paying the loan any longer, I have request a copy of my original loan agreement TWICE and they still have not sent it to me.
02/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60411	Web	Servicemember
I signed a financing agreement with Mosaic funding the installation for a door and window for {$8100.00} with XXXX by XXXX. I signed the agreement on XX/XX/XXXX and XXXX percent ( {$2400.00} ) of the loan balance was transfer to XXXX by XXXX, located at XXXX XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/XXXX. I was told before I signed the loan papers that I would have XXXX months of interest free payment to repay the loan after installation. Today is XX/XX/XXXX and I have not received the window and door that I contracted for. Mosaic started taking funds out of my account on XX/XX/XXXX, even though I have not received the door and window. It was unclear to me that the interest free period began the day after signing the document, even though I had not received any consideration for the door and window not being received and installed. Mosaic is still requiring me to repay the loan despite receiving nothing. I think it is unreasonable and consumer fraud to require someone to make payment on something they have not received. Second the agreement with Mosaic and XXXX by XXXX agreement has a material affect on my agreement with Mosaic however I would not made aware that XXXX would receive XXXX percent the loan amount the next day after signing the agreement with Mosaic, and the interest free period would begin the day I signed the agreement without any work being performed. I feel it is an injustice for payment to be required on XX/XX/XXXX when no work has been completed. To make matters worst, Mosaic sent my account to a collection agency two weeks have the XX/XX/XXXX payment due date.
02/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	HI 96706	Web	Servicemember
I entered into a loan contract with Mosaic, Inc.which funded my solar project for my home in XXXX, 2022. The loan number is XXXX. I have repeatedly tried through telephone calls and emails to get a correct answer to no avail. I need a senior loan officer or supervisor in charge to assist me. The respresentatives with whom I can spoken to or was emailed by simply have not resolved the issue. The siutation is as follows : I pay more than the monthly payment and the excess should be credited towards principal and that is not happening. I called the compan again today and asked for a senior loan person and was disconnected. Before I was disconnected while the representative transferred me definitely did not know what he was talking. Based on our brief discussion, it appeared that he had litle or no finance experience. I asked to have a senior loan officer or supervisor in charge that could explain why my principal was not being reduced. The statements online clearly show a credit balance but it is not being applied correctly. I asked this representative when someone might call me since I have been emailing and calling to get a resolution for the past three months. He replied that he didn't know when anyone woudl cal me back and, frankly, made no effort to help me resolve the issue. These companies are taking advantage of consumers and do not fully explain why paymnets are not being applied correctly. They need to be held to a higher standard and should comply with a consumer 's request. I would like a resolution as to why my excess payments are not being applied to principal.
04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	FL 33404	Web
In the XXXX of XXXX, I signed a contract with XXXX XXXX to install the solar panel in my room. The bank that has financed this project is Mosaic Bank. In XX/XX/2023, After many attempts to reach XXXX XXXX, I called Mosaic Bank to let them know that I had to cancel the contract with XXXX XXXX because I had never heard of them. I even received an email from Mosaic Bank telling me they could not also reach XXXX XXXX. After alerting the bank about that situation, I have decided to sign another solar energy program with XXXX XXXX. At the end of XXXX, I received an email from Mosaic Bank telling me that XXXX XXXX said they would not cancel the contract. The same day I received a call from someone claiming that he was XXXX XXXX 's representative. He asked why did I cancel the projects? After spending four months waiting for you, I called your company repeatedly to ask whether the project was abandoned. Until the day he called me, nobody picked up my calls. As a result, I call the bank to cancel the contract to enable me to find and sign another contract with a solar energy program, which I have done successfully with XXXX XXXX. Surprisingly, I received a monthly bill from Mosaic Bank due XX/XX/XXXX. They also send a total amount of {$27000.00} to a credit bureau which causes a decrease in my credit score and limit. I don't have anything in my home belonging to XXXX XXXX. How can I pay for a voidable contract? What do I have to pay for? I have to submit this complaint to enable me to prevent Mosaic Bank from Using my name and my identity improperly
04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	FL 33404	Web
In the Mid of XXXX, I signed a contract with XXXX XXXX to install the solar panel in my room. The bank that has financed this project is Mosaic Bank. In XX/XX/2023, After many attempts to reach XXXX XXXX, I called Mosaic Bank to let them know that I had to cancel the contract with XXXX XXXX because I had never heard of them. I even received an email from Mosaic Bank telling me they could not also reach XXXX XXXX. After alerting the bank about that situation, I have decided to sign another solar energy program with XXXX XXXX. At the end of XXXX, I received an email from Mosaic Bank telling me that XXXX XXXX said they would not cancel the contract. The same day I received a call from someone claiming that he was XXXX XXXX 's representative. He asked why did I cancel the projects? After spending four months waiting for you, I called your company repeatedly to ask whether the project was abandoned. Until the day he called me, nobody picked up my calls. As a result, I call the bank to cancel the contract to enable me to find and sign another contract with a solar energy program, which I have done successfully with XXXX XXXX. Surprisingly, I received a monthly bill from Mosaic Bank due XX/XX/XXXX. They also send a total amount of {$27000.00} to a credit bureau which causes a decrease in my credit score and limit. I don't have anything in my home belonging to XXXX XXXX. How can I pay for a voidable contract? What do I have to pay for? I have to submit this complaint to enable me to prevent Mosaic Bank from Using my name and my identity improperly
04/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 20876	Web
XXXX XXXX XXXX got a loan for me from Mosaic XXXX XXXX to finance solar equipment for my house. I entered into this agreement with XXXX in XX/XX/XXXX and loan repayment is not suppossed to start until after I have started using the solar system. Mosaic started taking loan repayment from my account in XX/XX/XXXX despite the fact that the solar system is not working. Now I have been paying double for my electricity. I am paying my normal utility company, XXXX XXXX and I am servicing the loan that I haven't started benefitting from. This is completely different from what was sold to me. The main selling point of me buying the solar system is to reduce my electricity cost now I am paying double and this has put a lot of pressure on my family. I have reached out to both XXXX and Mosaic but they keep tossing me around. Mosaic kept saying they can not reach XXXX. XXXX on their part refunded XXXX cheques for the loan repayment ( for the month of XXXX and XXXX ). XXXX made a promise that the issue will be resolved but now, I can't even reach the company representative. He has stopped answering my calls and replying to my texts. I informed XXXX that I want to discontinue the project since they can not meet up their obligation, they told me I will pay a penalty of {$28000.00} to cancel the project. XXXX XXXX XXXX and their finance partner, Mosaic XXXX XXXX have treated me unfairly and put me and my family in financial hardship by their business practice. Even though none of this is my fault. Please I need your intervention. Thank you.
07/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92675	Web	Servicemember
Mosaic gave me a loan for my residential solar system in spring of XXXX. However my system has still not been turned on due to delays from XXXX, the city of XXXX XXXX XXXX where i live and COVID-19. My loan is paid for by my solar system collecting solar energy and selling it into the grid. However my system is still inactive due to COVID so i do not have the revenues to pay the loan as planned. I asked Mosaic for forbearance and they told me it was my problem and i have to pay or they will start assessing late fees and report to credit agencies. I also asked if they had a forebarence plan due to COVID and they said no. Turns out they do have a forbearance program and i was not offered it. when I found out, now in XX/XX/2020, i called their servicing department. The department told me they do have a forbearance plan if we have experienced financial hardship ( which we have, pay cut ). when i asked for it to be applied retroactively since i missed 3 months of potential help due to them not fairly disclosing the option to me ( in fact they said they had no such program ), they just said " sorry, nothing we can do. '' I asked if i could apply for the forbearance program now ( XX/XX/2020 ). They said i need to call back closer to my next payment date ( XX/XX/2020 ). When i asked why and if their computer system could not handle a request being made 25 days early they said " that's just the way it is, sorry. '' In other words they are just trying to make it harder.
03/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	FL 338XX	Web	Older American
we had a solar system installed by XXXX XXXX XXXX. main company is in XXXX XXXX texas. the florida operations went out of business. we have a loan thru Mosaic Solar loan company we signed a contact XX/XX/22 we have contacted both mosaic and XXXX texas bby first class and regular mail, filed complaints with XXXX florida, texas and california. we have filed complaints with the states attorney generals office in florida, texas and california we have proof of calls ( hundreds ) to XXXX and Mosaic to no avail, before the lines were disconnected or mailboxes were full Mosaic told the XXXX that things were resolved, yet they told us that they the loan company was unable to contact XXXX XXXX. we have filed complaints again with Mosaic after over an hour on the phone yesterday with them. I had stopped the ACH payments 2 months ago. the file if 3 inches thick now and post it notes are numerous as to dates and who we spoke to. XXXX texas DID send a third party out 2 months ago, 1st solar out of florida to look at the ssytem and inform XXXX texas what was wrong. at that time we were informeed the structure was not installed properly to code and was not wireed properly and only 6 of the 20 panels are generating power. the 1st solar company voice mail is full and the contact person XXXX who is a supervisor for 1st solar his mail box also full so we are or were paying both a power bill and a laon payment which we stopped 2 months ago. everything is documented.
01/14/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 802XX	Web	Servicemember
I contracted with XXXX XXXX XXXX XXXX XXXX installation company ) on XXXX to have XXXX XXXX put on my house. They said in XXXX months, I'd have XXXX XXXX installed and they wouldn't charge me till the day they drove up in my driveway to install the solar panels. I discovered that there is already a 2nd lien on my house from Mosaic XXXXXXXX XXXX that has been in place for 3 months now. I called yesterday to Mosaic XXXX XXXX to complain that the solar panels are not installed yet and its been more than twice as long as I was told. I said I wanted to cancel my contract, as there is no product to be billed for. I also called XXXX XXXX and told them the same. They said I had to talk with my sales rep, XXXX XXXX first. I called him and told him the same. He tried to get me to go ahead with the solar project. I said no means no. He said I had to talk with his regional manager, XXXX, with XXXX XXXX. I spoke with XXXX and the same thing happened when I told XXXX I am cancelling my contract. XXXX tried to schedule me a date to come put solar panels on my roof. No means no. They haven't been in contact with me for 7 months. They installed a XXXX on my house with no merchandise to show for it. I said no means no and cancel my contract means cancel my contract. XXXX XXXX XXXX ( almost 7 months later ), I have received an email bill for my first payment with no solar panels on my house after I cancelled my contract. I'm pretty sure this is illegal to do.
07/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AR 723XX	Web
I financed my solar panels through Mosaic. At the time, XXXX XXXX, now XXXX XXXX, offered the financing through Mosaic. I was told by the representatives that I would receive a tax credit and that tax credit could be used to maintain the initial monthly payments. I later found out that I would not receive any money back from the panels, instead there would be credits issued over a number of years when I file my taxes. On the mosaic contract, it stated that if I paid roughly {$20000.00} on the loan, I could keep the payments of XXXX monthly. If not, the monthly payments would go up to roughly {$500.00} per month. I had no idea that I would not receive actual money from the tax rebates. I contacted mosaic on several occasions and asked them to keep my payments at {$350.00} since there was no way possible I could just pay the money from the tax rebates. I was told that the payments would remain the same. Let me first state that I wanted the panels and did not have a problem making the monthly payments. My concern are the deceptive practices. They tell customers that they will receive a tax credit as if there is actual money coming from the irs when that is not true. I was thinking that I was going to receive money to be applied to the loan to keep my payments low and thats not what happened. I am complaining to this agency so that something can be done to warn companies of their deceptive practices and predatory lending practices.
03/28/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 77388	Web	Older American
In XX/XX/2022 a salesman from XXXX XXXX came to my door and asked to talk to me about Solar panel installation. I was already looking into solar and after extensive conversation and background research decided to move forward with financing the panels through Mosaic. I signed a contract with XXXX XXXX, however no one from their company ever signed or dated the contract. The panels were installed but never hooked up. A few months later i received a letter from centerpoint advising that both XXXX XXXX and myself needed to resign a tarriff agreement as it was filled out incorrectly. I tried multiple times to reach anyone at XXXX and soon found out they seem to have skipped town. I am involved in a class actions lawsuit against them as they have defraded over 100 people between Texas and Arkansas. The terms of the agreement between Mosaic and XXXX was that the first half of the disbursement would be paid upon signing the contract and the second half would be paid after the work had been completed and verified by Mosaic. Mosaic never verified the work had been completed and blindly sent XXXX the second half of the disbursement and are now refusing to cancel my loan even though i have sent them proof that my contract was never signed and even according to the portal on XXXX 's website my installation is only 90 % complete. I am looking to get my loan cancelled through Mosaic as they did not honor their part of the agreement.
04/12/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30094	Web
XXXX XXXX XXXX based in TN has unfair and deceptive business practices. I signed an installation agreement for {$40000.00} in XX/XX/. Within a few weeks they installed the panels ( without getting approval from the county. They got approval AFTER the panels were installed ) and rewired our breaker box. This is when we started having problems. 2-3 mths passed without hearing from them. Techs would come out and spend the whole day without resolving the problem. One tech told me that the battery they use is faulty & the company is aware of it but continues to use it! In the meantime, payments were being taken out of my account by Mosaic even though they knew that the installation wasn't completed. I told XXXX XXXX that I wanted to cancel the agreement. They said that I had 3 days after signing the agreement to cancel. At this point, it was XXXX. I began to see several reviews from customers who had similar experiences. They quickly install the Solar panels and then months go by before you hear from them and there are technical problems they never get resolved. Solar Titan is no longer in business and is under investigation by the Attorney General of TN.Now Mosaic is demanding payment even though the panels are not functioning and they know that Solar Titan is under investigation. They have sent the debt to collections and is ruining my credit! I should not have to pay for a service that has not been rendered!
10/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29579	Web
XXXX XXXX ( solar installer ) used predatory practices to get me to sign a solar contract with them and they're the company that brought Mosaic ( lending agency ) to the table. Mosaic as the leading agency paid the invoices for the work that they said was complete but was never working, does that sound complete to you? I was told by XXXX XXXX XXXX that i would not have a utilities bill and if i did that XXXX would add panels until they got my bill was offset. I learned thats not true because when the sun goes down with this system that i would need power from my utilities company. Also XXXX XXXX XXXX told me that i would be getting a XXXX tax return again not true i would get a tax credit which ill never use before runs out. i would never have signed the contract if i had truly known the truth of how solar really worked. And because of the predatory practices used by XXXX and Mosaic am locked into a 20 year contract that since am not getting the refund as i was told by there solar specialist i want be able to pay the 33 % of loan off before the 16 months ends which will lock me into 20 years of XXXX month payment without ever lowering payment on top of using XXXX worth of power from my utilities company. Am not the only person that XXXX & Mosaic have done this too. Mosaic dosent seem to care that my system doesn't work or the way that XXXX went about obtaining a signed contract
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ID 83616	Web	Older American, Servicemember
In XX/XX/2023 an XXXX XXXX sales man came to my home. He said my south facing roof was perfect for XXXX panels. I did show interest and asked for more information in writing. He later came back with more information. The price was much more that what I was first told and now I needed to replace the roof. He gave me information that sounded incorrect about how much the Federal and State governments would privide in tax rebates. I checked with my tax accountant and I was told, that information was not correct. Early on in the proccess he said they needed to check my credit. I did unfreeze my credit for a couple of days so the company could check my credit report. As we moved through the negotiation of the installation price and proccess I declined to move forward with the whole instalation. I thought that was the end of story. About 2 months ago I saw a loan appear on my credit report from Mosaic Finance for {$9500.00}. I assumed it was a mistake and contacted the Credit reporting agencies. they investigated and told me that loan was for Solar installation. I was told that the {$9500.00} was paid to XXXX XXXX for Solar installation on my roof. I have spent hours on hold waiting to talk to XXXX XXXX, to no avail. Why did Mosaic pay XXXX XXXX for work that I did not authorize and did not have done
03/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AR 727XX	Web
Our panels were installed end of XX/XX/2022 incorrectly and disbursements were issued from Mosaic to installer without proof of job completion or the panels functioning correctly. We initially reached out to installer ( XXXX XXXX XXXX ) for XXXX weeks without any response. We have learned that XXXX is no longer in business. We then turned our focus to Mosaic to find out if they had dispersed all the payments for installation to XXXX. We are now stuck with a loan ( {$45000.00} ) that is not operational because Mosaic dispersed all funds to installer without proof of complete installation. We have reached out to Mosaic repeatedly since XX/XX/2022 requesting resolution and have received only denial of any blame. We've already consulted with another roofing/solar business, regarding what we need to do for the solar panels/system to be operational. The guidance is to out of pocket completely remove, rewire, reinstall panels, and also remove/replace damaged roof ( XXXX XXXX XXXX roof ) caused by original & incorrect installation. Additionally, the roofing/solar business that inspected our panels & system told us the way the panels were installed present a fire hazard. We believe Mosaic breached our contract by dispersing all payments to original installer without proof of operational system.
02/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AR 72701	Web
I received a loan for solar panels on XX/XX/XXXX. Per their documents in the disbursement section, they would not disburse the money until certain conditions were met. I remained in constant contact with the XXXX representative. I repeatedly inquired about when and if the system was going to become operational. Mosaic was aware that the system was not operational. Payments became due to Mosaic on XX/XX/XXXX ( {$210.00} ). I began to make payments even though the panels were no yet working. They proceeded to disburse the money to the installation company ( XXXX XXXX XXXX XXXX XXXX XXXX ) which is now no longer in service and can not be reached for comment. The money should not have been disbursed until the installation was complete and operational. I have opened 2 complaints. One with Mosaic on XX/XX/XXXX in which case they told me they would try to contact my installer. This complaint was closed by Mosaic on XX/XX/XXXX because they were " unable to reach XXXX XXXX XXXX to review ( my ) complaint ''. The other complaint was filed with the Attorney General 's office ( Public Protection Division against XXXX XXXX - XXXX XXXX XXXX ) and was accepted on XX/XX/XXXX. It is still an active complaint. I do not think I should be paying for a product that has never been operational.
11/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web	Servicemember
I went through Mosaic lending to pay for the installation of solar at my residence. I was being charged interest from the time my loan was accepted, until I made my first payment, which was after installation. The details of the interest were hidden and not conspicuous. Had I known I was being charged interest from the day of approval, and not of actual installation- which was also the same time I received notification to make my first payment, I would have paid on the loan to avoid the interest accruing. Also, since interest is applied on a daily basis, the company delays the actual payment, or transaction date, for several days. Therefore I am paying interest on additional days that I should not, if the payment was applied at the time of actual payment, or even taking into consideration for time differences between business times. I have spoken to several representatives, but they are unable to apply the payments immediately, or even the next day. It appears that it is a systematic method of " nickle and diming '' or gaming the system to maximize their proceeds from interest. My Mosaic account number is XXXX, and I just paid if off completely, or so I think, since I'll probably get hit with interest since they don't apply the payments immediately.
12/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77035	Web	Older American
THIS IS ABOUT CANCELLATION OF A LOAN WITHIN THE STATED DEADLINE : I was approved for a loan of {$43000.00}, from Solar Mosaic LLC, License XXXX, to finance solar installation. The solar company representative said he was with XXXX XXXX, who had good reviews. Later I discovered XXXX XXXX was owned by XXXX XXXX, who as terrible reviews, from solar panels not working to electric bills being twice as high after solar installation, as well as bad customer service. I submitted the cancellation to Solar Mosaic LLC within the deadline of XX/XX/XXXX but I am having difficulty getting Solar Mosaic LLC and XXXX XXXX to cancel my installation and loan agreement. Though Solar Mosaic LLC received my cancellation request on XX/XX/XXXX, they said on XXXX that they had already funded the money to XXXX XXXX XXXX XXXX said the completed a cancellation request and gave me a ticket number but refused to give me a copy of the cancellation. XXXX XXXX advertises that there is a state incentive for zero down, but this is not true. They assist in getting a loan if you have good credit. There XXXX ad even has Texas XXXX XXXX 's picture on their ad. XXXX XXXX operate using various names to avoid customers realizing that their products do not work.
07/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	VA 232XX	Web
On XX/XX/2021, I was notified through my credit monitoring service that my account with Webbank/Mosaic had been reported as closed and that the balance was now {$0.00}. I just opened this account in XXXX, so I checked my credit report to find out what was going on and my Equifax report showed that indeed the report is now reporting as closed with a {$0.00} balance. I called on that day and was told that there was no one available to assist. On the following Monday, XX/XX/2021, I called and was told they had to escalate to a higher group to investigate and I would hear something in 3 to 5 business days. I called back after 6 days and was told it would take longer. On XX/XX/2021, I was told there was still no resolution and the best way to resolve would be to send an email. I emailed and received a response today saying that the loan was not paid off and I could provide proof of payment. They completely left off the part about the credit reporting. This is a violation of the Fair Credit Reporting Act. They are not reporting correct information and the loan is not reported to either XXXX or XXXX. They need to address the actual issue of the incorrect reporting to my credit report and not something I didn't say.
09/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA XXXXX	Web
XXXX financed {$75000.00} for a {$140000.00} Solar project.. we were told it was a low interest government loan... Mosaic charges ... 5.24 % ..interest.,,. we were dual financed XXXX Mosaic and XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX XXXX a {$70000.00} loan ... the convicted felon Installer ... yes ... convicted of Fraud and Forgery..dual financed us..which broke His contract with XXXX... they canceled it after XXXX phone call and showing proof ... Mosaic refuses to help... even though they were sent proof and a link to a XXXX page solar report.., detailing how the system is completely DEAD.., full of huge installation errors... and poses a risk for serious injury or XXXX ... we informed them over XXXX times ... our system was never finished ... never connected.., they have reported us for late payments ... harassed us with collecting calls.., and will put a lein on our house..all while supporting the convicted felon installer ... who lies ... the interest rate they are charging us .., is outrageous... it was represented to my XXXX and I as LOW INTEREST GOVERNMENT MONEY ... in my opinion.., Mosaic XXXX running a loan shark company ... that's how badly I feel they have acted ... totally in bad faith...
03/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NE 68005	Web
In XXXX of XXXX we entered into an agreement with another company, XXXX XXXX, to install solar panels on our roof. At some point during the permit process, XXXX XXXX and their partner XXXX XXXX XXXX XXXX, became involved without our knowledge. XX/XX/XXXX XXXX XXXX XXXX our contract and Loan with Sunlight Financial for {$35000.00}. On XX/XX/XXXX, a man named XXXX showed up at our house. My husband asked if he was with XXXX XXXX and he said yes, he was with our solar project. He then had us complete paperwork for a project change and finalizing certificates with XXXX XXXX. When I received the emails with documents to sign electronically, he picked up my phone and hit next on everything without allowing me to read it. And it turns out that what he did was submit a loan to Mosaic for {$42000.00} and contract in my name for a solar project with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which this company then completed and their product on our house. We now have the wrong solar panels installed on our house and an additional loan we didn't want. Mosaic was notified that we were concerned with force conformation with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX contract and loan.
11/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28405	Web
I obtained a loan for solar panels from Solar Mosaic via the selling agent, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. To this day the system has either not worked at all or not properly. I e continued to pay the loan while working with the installer to fix, replace, remove the system. Im XX/XX/XXXX the installer went out of business and filed bankruptcy, leaving me owing {$40000.00} with nothing to show for it. I reached out to Solar Mosaic on several occasions asking for loan modifications, freeze the loan, or any other assistance. Ive been told no in no uncertain terms leaving me with no option but to stop making the payments. I dont want to ruin my credit but I cant continue to pay for a system that doesnt work. The NC state attorney general has opened an investigation into the installer including fraudulent sales practices of XXXX XXXX XXXX and the loan companies that financed their panels. Im asking for relief, assistance, help of any kind to come to a peaceful resolution that doesnt ruin my own credit. I appreciate any and all help you can provide. This is a LONG story but Ill go through it with anyone who wants to listen. Thanks. XXXX XXXX
02/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30157	Web	Servicemember
I signed a contract with Solar Mosaic through XXXX XXXX XXXX to install solar panels. Solar Mosaic approved me for the loan, however, they did not make me aware of the daily interest rate. The panels were installed in XX/XX/XXXX. They were NOT operational. Solar Mosaic started taking a little over {$200.00} starting XXXX of XXXX. The panels became commissioned and operational XX/XX/XXXX. However, of the over {$1800.00} I had paid to Solar Mosaic from XX/XX/XXXX to XX/XX/XXXX. It all has gone toward interest. At this rate, I will be paying interest for a few years before it start taking principal. I gave filed complaints with Mosaic, however, they would send a generic email stating XXXX XXXX is working on the issues. At this point, Solar Mosaic is stealing my money because having these panels have not decreased my electric bill at all. There is a federal lawsuit against XXXX XXXX and i have reasons to believe that Solar Mosaic knew of the fraudulent practices committed by XXXX XXXX. One reason being that XXXX XXXX would be paid by Solar Mosaic as soon as the panels are installed, not completed. Please help me out this loan.
06/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85122	Web	Servicemember
In XXXX of 2021 i Tried to get solar on my house I went through XXXX XXXX XXXX they had me do a loan with Mosaic I canceled XXXX with XXXX XXXX after mosaic put a lien on my house Which I was told that they would only put a lien on the solar panels so they messed up my refinance of my house and to get the lien removed I had to pay {$250.00} I canceled with XXXX XXXX and do the paperwork I also told Mosaic I have canceled and I had told XXXX XXXX as well it took them till XXXX And constant fighting to have them submit the paperwork to each other that I had closed the solar and wasnt continuing and the loan was not mine finally XX/XX/XXXX I got a letter from Mosaic saying my account was closed and that any money I had given was going to be paid back and since then I have gotten a letter from debt collector Emails saying that I owe money as well as a {$13000.00} loan being displayed on my credit report I tried to dispute it however Mosaic said that is up to date that I still owe I have called them multiple times and nothing changed however in their system and I quote the loan is closed. They are harassing me with a debt i do not owe.
10/07/2023	Yes	Mortgage Other type of mortgage	Closing on a mortgage Trying to communicate with the company to fix an issue with the loan closing	OR 979XX	Web	Servicemember
Mosiac Solar in conjunction with Freedom Forever solar are engaged in ongoing fraudulent behavior. I've attempted for over a year to have freedom either build my project, or return my money. They haven't done any work, and have spent a year gaslighting, ghosting and otherwise operating in bad faith. Now Mosaic is demanding I begin making monthly payments for a solar system that was never installed. I've tried numerous times to work with XXXX XXXX and I've tried numerous times to have mosaic cancel the loan, all with no success. I am now being billed payments, and harassed daily to make payments for a {$70000.00} loan agreement on a contract that was never initiated, much less completed. Call me crazy, but you can't go door to door selling {$70000.00} pieces of paper and expect to get a monthly payment, yet that's precisely what they are doing. I've memorialized all correspondence for a period of over a year. Meaning, I have a file, but I am not including any supporting documentation at this point primarily because I wouldn't know where to begin. I will provide the entire file upon request.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90043	Web
Two loans were fraudulently applied for in my name and filled out by XXXX XXXX of XXXX XXXX and his in-house staff. These fraudulent loans were submitted to Solar Mosiac to obtain two construction loans. Solar Mosiac then sent XXXX XXXX approximately $ XXXX in XX/XX/XXXX. In XXXX of XXXX, I began to receive notices of a bill for these loans, which also appeared on my credit report ( hard inquiry, and the reporting of two loans approximately $ XXXX each ). I never met XXXX XXXX, nor have I met any of his employees. I never contacted XXXX XXXX, nor have I spoken with any one of his employees. I never authorized XXXX XXXX, nor did I authorize any of his employees, in person or in writing, to check my credit or submit an application for home loan construction. I am not satisfied with just the cancellation of the loans. I would like the hard inquiry removed from my credit report, because XXXX XXXX and his staff at XXXX XXXX along with Solar Mosiac conspired to commit fraud against me. Solar Mosiac refused to fully acknowledge the fraud nor any culpability and responsibility to do good faith business.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90043	Web
Two loans were fraudulently applied for in my name and filled out by XXXX XXXX of XXXX XXXX and his in-house staff. These fraudulent loans were submitted to Solar Mosiac to obtain two construction loans. Solar Mosiac then sent XXXX XXXX approximately $ XXXX in XX/XX/XXXX. In XXXX of XXXX, I began to receive notices of a bill for these loans, which also appeared on my credit report ( hard inquiry, and the reporting of two loans approximately $ XXXX each ). I never met XXXX XXXX, nor have I met any of his employees. I never contacted XXXX XXXX, nor have I spoken with any one of his employees. I never authorized XXXX XXXX, nor did I authorize any of his employees, in person or in writing, to check my credit or submit an application for home loan construction. I am not satisfied with just the cancellation of the loans. I would like the hard inquiry removed from my credit report, because XXXX XXXX and his staff at XXXX XXXX along with Solar Mosiac conspired to commit fraud against me. Solar Mosiac refused to fully acknowledge the fraud nor any culpability and responsibility to do good faith business.
11/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TX 78251	Web
I purchased a home in XX/XX/XXXX, and I wanted solar panels. At that time ( XXXX ) I began working with XXXX XXXX who was going to install the solar panels. They said they have a finance company that can finance the project. I agreed to the financing. However, as of today, I do not have solar panels and the project has been canceled. I canceled it ( XX/XX/XXXXXXXX ) due to the lack of communication and no installation date. It is now over a year and I am still trying ( since XX/XX/XXXX ) to get the loan out of my name. XXXX canceled the project as requested and now Mosaic is requesting payment on the loan and I have no product. They keep telling me that they need to get permission from XXXX to cancel the loan. No one is talking to each other and no one is listening to me. Neither one will communicate any of the information via email or in the form of a written letter. As if they don't want to admit that the project has not and will not go forward. Mosaic states that XXXX says the project is still moving forward but when I login to the customer portal for XXXX it says the project is canceled.
03/14/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 721XX	Web	Servicemember
Mosaic : Solar panel loan, has been auto-drafted from my account for over a year. I was not notified that there were any issues with the auto-draft. 3 months passed before I got a letter in the mail saying we owed over {$800.00} to mosaic. I immediately researched my bank account statements and noticed the payments have come out in 3 months. I immediately tried logging in to the mosaic loan portal. Access was denied. I sent an email to the company asking about the past due balance and my account not letting me access. Case no : XXXX. These emails occurred on XX/XX/2023 and XX/XX/2023. I have not received a response from either inquiry. I had no idea the auto draft wasnt happening or the loan was defaulted. I have made every attempt to contact Mosaic but they refuse to speak with me and want me to communicate only with the debt collector. I have received zero written communication from the debt collector. My address was not accurate in the mosaic system. They were saying my physical address with the state Arizona. I live in Arkansas. But we use a XXXX XXXX XXXX We havent been properly notified.
06/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 21227	Web
Mosiac provided a loan to me for a solar system installation. I authorized banking information process for this to start XXXX per agreement ( attached ) and instead, Mosiac immediately took money out of my account ( bank statements attached ), well before the official closing loan certificate indicated when XXXX payment was due. So I was paying for a system in which no work was completed. Then in XXXX they stopped processing the automatic payment and have not taken any additional payments. They have all of my banking information and refuse to process further payments. So they broke the terms of the loan closing agreement by processing early payments ( twice ) and then stopped processing payments. This should not be on my credit report as I setup and authorized payment information to automatically take place, which happened the first two months well before the agreed upon start date. This company took advantage of access to my banking information WELL BEFORE the agreed upon start date, and then stopped processing, and then filed a credit complaint. What did I as a consumer, do wrong here?
03/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	AZ 863XX	Web
In XXXX, my we applied for financing for solar panels through Mosaic at the guidance of XXXX XXXX XXXX XXXX XXXX. We were approved for {$56000.00}. This financing and subsequent solar project was contingent upon us getting a new roof. On XX/XX/XXXX, we chose not to proceed with this project and XXXX XXXX processed the cancellation, informing all necessary parties. On XX/XX/XXXX, Mosaic Inc. reported a {$28000.00} loan to XXXX impacting our credit reports This loan should not have been processed. Where have the funds been sent? Why is it a completely different amount than what was applied for and approved? How can any bank fund a loan and report it to a credit reporting agency in an amount different than the loan documents? And, if the solar company cancelled the project, who received these funds? At the end of the day, Mosaic Inc. funded a loan that should not have been funded in an amount other than what any documents would say without our permission or approval. This needs to be rectified immediately and removed from our credit report without any adverse action on Mosaic 's part.
07/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33414	Web
I did sign a contract with Mosaic XXXX XXXX XXXX to finance my solar system with XXXX XXXX. XXXX did not install any system and they call me to cancel their contract because they could not install the solar system as the city want it to. XXXX even told me : XXXX XXXX the supervisor : " We usually have an inspector to sign our installation in every city but in the XXXX XXXX we do not know anyone there, they will not approve our installation. We will need to cancel our contract ''. Despite they do not install the solar system, they damage my roof, they are sending me letters, calling on the phone, threaten me to put a line on my house for non-payment. I did contact them and write them letter. They still want me to pay them XXXX dollars for service and products they did not provide. I did stop with my bank the automatic payment that was provide when I was signing the contract. Please help me stop those two company harassing me via phone and letters. I do not owe them any money because they breach their contract. I do not have system solar installation
05/23/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 20774	Web
My complain is about XXXX XXXX and MOSAIC Solar. They sent me their agent that scam me with some lies that I will save some energy by getting a loan through MOSAIC to finance a solar system for my house. They lied to me that I will get a will get a tax credit of XXXX which I didnt get. Also the agent did not procure any paper documents to sign, I did all the signings over her labtop and it was so fast without any explanation. I sign some documents that lock me for 20 years and the worst they PUT A LIEN on my house. They did not tell me about it. My credit was run 3 times without any reason and that brought my credit score from XXXX to XXXX. All this happened in XXXX. In XXXX Im in a situation where I cant sell my house because of the lien, and also the solar did not increase the price of my house. NEVER DO SOLAR. It is a SCAM and they just stealing the honest people money. Please let everyone know about it. Im paying XXXX dollars every month for the loan and my electric bill is not improving. I did not save any energy bill. ALL ARE LIES
09/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MD 20720	Web	Servicemember
I purchased solar panels for my home using Mosaic financing. Upon selling my home on XX/XX/2019, the loan was transferred to the new home owner. On XX/XX/2019, an installment payment was taken from my bank account for the loan. I called Mosaic on XX/XX/2019 and was advised that they needed a copy of the deed to finalize the loan assumption. I sent in the required documentation that day and was told that the document was received, but needed to be processed. By XX/XX/XXXX, I still had not received any correspondence regarding the finalization of the transfer or the refund of the payment. I called Mosaic again and spoke to a customer service representative who I previously spoke with. He tells me that I will continue to be billed and that there is nothing he can do about my refund, even though the house has been sold and I have documentation of the lien release and loan transfer signed by the senior director of loan operations. We are approaching the next billing cycle and I should not be billed for a product that is no longer mine.
03/29/2023	Yes	Mortgage Other type of mortgage	Closing on a mortgage	AR 720XX	Web
I was buying panel through XXXX XXXX and they are financed through mosaic Ive had them for almost a year and I just got them working by paying a new solar company to completely unusual and reinstall the panels for me with no help from mosaic or XXXX and on top of that XXXX panels melted on the roof that are suppose to be under warranty but XXXX isnt here to help. I went through a divorce and legally had to sell my house 6 months ago but I have been unable to for the lien on my house due to the panels. Ive called hundreds of times and put in several complaints with no help. Ive been paying panels and electric and a mortgage and rent and its hard to keep up. The panels and old mortgage have destroyed my credit and since I was planning to sell the house much sooner due to the divorce and no longer being able to afford it. Mosaic said that they have resolved the issue but also said they couldnt get ahold of the installer and I even have a email proof of them saying they didnt help when I finally made some progress on my own
03/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33782	Web
I entered a contract with Solar Mosaic, Llc in the beginning of XX/XX/2022 for purchasing solar panels from an independent contractor. After having several disputes with the contractor, I informed Solar Mosaic not to disburse the funds. I informed them twice verbally, once via email and once via two day with tracking mail. I was informed after the second call to not disburse funds that I would need to sign off on the disbursement. I later was informed by Solar Mosaic that funds were disbursed anyway. They are now requiring payments on a solar panels not complete and in breach while also refusing to tell us where our funds went. I have asked twice in writing via two day mail with tracking for information regarding the funds. When they were disbursed, who they were paid to, How much was paid and to how many contractors. There is conflicting information regarding the installation. I have a long list of complaints regarding the installation and financing. They are now refusing to speak to me when I call.
09/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 91722	Web
The loan I have signed up for is for solar installation + HVAC replacement. The lending company should only charge me when the product installation that has been completed but they started charging me before completion. I have contacted the company a few times but they ignore my complaints. They start charging me since XX/XX/2023 and up today, the product I had signed for still has not been delivered nor installed. I have my lawyer send an demand letter to Mosaic to make adjustment to the amount of products I have never received, but they ignore my lawyer 's demand letter as well. I should not be charged for service I have never received and the lending company has neglected to perform their due diligent to check with the customer before they send out payment. When customer contact them about the fraudulent documentation the service company provided to get themselves paid, Mosaic choose to continue ignore their due diligent to conduct investigation and continue to bill me for service I did not receive.
11/10/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 93612	Web
Signed an agreement for a reroof and Solar project with Solar Mosaic for $ XXXX on XX/XX/XXXX, construction company got paid by Mosaic $ XXXX on XX/XX/XXXX. On XX/XX/XXXX construction company abandoned the job started with not passing city inspection regulations, got a settlement by contractor insurance company but now Mosaic wants me to pay the full amount of the loan plus register a lien under my name with my property address on XX/XX/XXXX even before project was approved by the City, Mosaic is letting construction companies to used fictions names and using consumer to scam business insurance and customer, Mosaic is using construction companies that arent following the CSLB regulations. So now I have a house with an unfinished roof Lawyer expenses Lost {$39.00} XXXX in damages in my house 38 panels that were never work, no inverters no connection with utilities Debt Collection $ XXXX Contractor company will removed panels abs keep them Mosaic wants his money in full Lawyer fee up to {$10.00} XXXX
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 836XX	Web	Servicemember
I had a representative named XXXX XXXX From XXXX XXXX come by my house about installing solar. I filled out the paperwork and scheduled the initial inspection to see if my house could have the solar installed. There was many questions and issues. After XXXX left, I did research on XXXX XXXX and found out they are basically a scam company with less then reputable service so I canceled the contract on XX/XX/XXXX with XXXX XXXX. I sent in the necessary paperwork and even received a confirmation of the cancelation on XX/XX/XXXX. A few days ago, I received alerts on my credit reports of a new account. I immediately looked into this and noticed that Mosaic was reporting on my XXXX and XXXX credit reports an open account for over {$18000.00}. I contacted both Mosaic and XXXX XXXX. Both said I had never requested the accounts to be closed. I've made several calls to both but they keep giving me the run around. I decided to dispute the credit reports but Mosaic has certified that the reporting is correct.
02/27/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	ME 040XX	Web
Mosaic Inc. fraudulently reported an $ XXXX loan on both my credit report and my husband 's credit report. I received notification from my XXXX Credit Report of the loan reported. I initially contacted the XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX of the fraudulent report. The representative told me the financing is done through a third-party company, Mosaic Inc ( which we were unaware of ). I reached out on XX/XX/XXXX to Mosaic via email and never heard a response. The salesperson from the XXXX XXXX sent an email confirming we never completed any loan applications on XX/XX/XXXX. I sent a follow up email on XX/XX/XXXX. Later that day Moasic Inc did respond complaining I did not contact them from the email they have on file. I immediately send another email on XX/XX/XXXX from the correct email address. I have submitted a complaint to the XXXX XXXX XXXX on XX/XX/XXXX. I received a confirmation from XXXX later that day confirming they received my complaint and are reaching out to Mosaic Inc.
10/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91733	Web
Solar Mosaic , Inc. is sending me letters to collect a debt that is currently under investigation. I initiated an investigation with Solar Mosaic Inc. in XX/XX/ regarding their diversion of a {$55000.00} home improvement loan to XXXX XXXX XXXX without validating the phases of the construction project. XXXX XXXX collected the loan money but never completed any project as stated in the contract. Despite my confirmation with my city 's planning and building department that XXXX XXXX never submitted any plans for the XXXX project and that the permits are not completed, Solar Mosaic Inc. proceeded to give XXXX XXXX a loan that was secured for this project. Now, I'm receiving debt collection letters for a loan that was never used for my project, as XXXX XXXX XXXX diverted these funds to other unknown projects. Solar Mosaic Inc. is aware that XXXX XXXX XXXX XXXX 's license has been revoked since XXXX with the XXXX which can be verify online but Solar Mosaic Inc. continue to do business with them.
10/07/2023	Yes	Mortgage Other type of mortgage	Closing on a mortgage Delays with the closing process	CA 92399	Web
On XXXX new home owners were denied transfer of solar loan based on low income. Then, on XXXX, new homeowners reapplied with a credit score of XXXX and a household income of XXXX and were again denied, this time with no explanation for denial. As the current owners of the home, our household income which initially qualified us, was way less, XXXX, and we were approved. Mosaic loan company has not provided us with any guidelines as to what the new home owners need to meet for approval or denial of a loan transfer. They have also not provided any of the parties with a direct contact for the loan approvals, stating that the loan officer can only go as far as gather the information but it is up to a legal panel ( only reachable via email and not direct contact ) that will approve or deny the transfer. This has delayed the sale of our home, which the new homeowners have been approved for, by over a month, to the point the new homeowners are about to time out on their home loan application.
03/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NV 89149	Web	Older American
I got XXXX, phone XXXX XXXX XXXX, to install solar panels, they introduced Mosaic, license XXXX. It has passed 8 months and I do not have my solar working, and I have been paying doble, paying XXXX XXXX, and paying Mosaic, so I get tired of it and suspended any payment to Mosaic, because I am paying for a product which I do not have. XXXX is playing games with me and nevada power. They installed more panels than necessary, and XXXX XXXX, is not approving it. Also they try for me to lie to XXXX XXXX to have it approved. Spoke to Mosaic today, and the costumer service said that I have to pay, even if I do not have the product!!! They said my account is delinquent and that I have to fix it with XXXX! Outrageous! XXXX is not doing anything. I have for 8 months now a useless solar panels over my roof and double paying. How can I cancel my account with Mosaic and have the panels removed? Please clarify me about the law and my rights as a consumer. Thank you so much.
03/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AR 729XX	Web
On XX/XX/ I entered into a loan with Mosaic for XXXX XXXX through XXXX XXXX. The loan amount is approx XXXX. The panels installation is only 60 % complete according to the portal of the installation company. The solar panels have yet to be inspected and there is no way to know where we are at in the installation process. The panels are not functioning at this time. There is no monitoring system available. No solar companies will maintain or take on our solar project. Our full loan amount was dispersed to XXXX even after notifying Mosaic that we did not have permission to operate at the time. Mosaic dispersed money to the installers prior to ensuring that the installation was complete. There is currently a class action lawsuit again XXXX with almost all customers reporting the same issues with both XXXX and Mosaic. The attorney general in Arkansas has also filed suit. Mosiac has refused to speak with us about our loan or cancelling it at this time.
01/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34221	Web
In XX/XX/XXXX, I entered into a contract agreement for {$45000.00} to finance solar panels for my house. I agreed to have payments of {$180.00} withdrawn from my bank account on the XX/XX/XXXXof every month. I was told that I have the option to also apply the tax credit that I receive from the IRS to this balance and the loan will be reammortized. After my payment was automatically deducted from my bank account, I paid an additional {$200.00} in XX/XX/XXXX ( applied XX/XX/XXXX ) that I expected would be applied entirely to the principal balance. Instead, only {$150.00} was applied to principal and {$44.00} was applied to interest and the next due date was extended to XX/XX/XXXX. I called customer service and was informed that Mosaic always takes interest first. This seems highly suspect and illegal to me. I'm now worried that the tax credit that I plan to apply will also have interest deducted from it. Please look into this unethical practice.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61704	Web
I have called on multiple occasions to verify the account is closed. I have been told it was processed and received an email stating this. The company XXXX XXXX opened a loan in my name that was funded with over XXXX and I NEVER moved forward with the project. They did NOTHING to my home and I never met with them after the first sales appointment. I contacted XXXX XXXX MULTIPLE times and was told I had to speak directly with the sales person who placed the order in order to have it closed. I texted, called, left voicemails to no avail. He refused to call me back. I called XXXXXXXX XXXX XXXXXXXX who funded the loan and they said the only way I could cancel the loan is to have XXXX XXXX cancel it. They refused to help as did XXXX XXXX. In the meantime, my credit tanked XXXX points and shows a balance of XXXX as owed by me. I have spent hours contacting both of these companies and neither will process the cancellation. I believe this is FRAUD.
12/10/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 17050	Web
On XX/XX/2021, Solar Mosaic ( Via their agencies XXXX XXXX XXXX and XXXX XXXX XXXX ) denied a subordination agreement on the debt I owe on a Solar Loan to them. The subordination agreement was in the original contract, and no where in their contract does it state that defaulting on the loan removes the ability to receive a subordination agreement for a refinance. In fact, it almost seems to imply a user is allowed to get a subordination agreement at any time, as long as they're willing to pay a {$250.00} fee. I do wish to continue paying on my solar panels, but I need this refinance to help our family money wise. To this point, XXXX, XXXX, and Solar Mosaic have chosen to play hardball and ask for a complete payoff of a $ XXXX loan which is simply not a reasonable request given the times. I believe Solar Mosaic is violating the terms of our agreement by not allowing subordination on the title of my property in order to achieve a refinance.
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19139	Web	Servicemember
I have XXXX as my alarm company, they offered me solar i accepted it they are now damaging my credit which is illegal and a violation of the fair credit reporting act and the fair debt collection practices act.. specifically they are harming me by having a 30 day late on my credit. ( Which is an accurate because the first payment is not due until XX/XX/2022 ) And many harassing phone call Mosaic has violated the following : 15U.S. Code 1681a ( 2 ) A ( i ) 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 ; 15 U.S. Code 1692e ( 4 ) 15 U.S. Code 1692e ( 8 ) 15 U.S. Code 1692e ( 11 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( I ) 15 U.S. Code 1640 ( 2 ) ( A ) ( I ) 15 U.S. Code 1640 ( 1 ) 15 U.S. Code 1640 ( 2 ) ( B )
10/02/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	CA XXXXX	Web	Older American
In XXXX, XXXX, we entered into an agreement with Mosaic ( and XXXX XXXX ) to have an XXXX XXXX XXXX ( XXXX ) built in our back yard, with Mosaic providing financing for it. The contract did not progress. Mosaic released funds to XXXX. But after 16 months, no work was done, and XXXX did not respond to our phone calls and e-mails. We e-mailed Mosaic in XXXX, XXXX, and they told us to provide documents and a photo of the ( untouched ) construction site, and we did so ; Mosaic said they would start a fraud investigation of XXXX. Since then, we have made numerous requests for status from Mosaic by phone and e-mail, which went unaddressed, the last of which was on Monday, XX/XX/XXXX. We were assured in no uncertain terms that we would be called ( at any of 3 phone numbers we provided, and 2 e-mail addresses ), within 72 hours, which would have been Thursday, XX/XX/XXXX. We have received no further communication from Mosaic.
07/19/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 94518	Web
I signed for for an amortized loan for solar panels for my house. However, they are taking no money off of principle whatsoever. As a matter of fact, I made higher than normal payments, and they have not taken a single penny off of my principal. When I have called to speak to a manager they gave me the runaround and told me nothing was available. So far I made payments and my balance have gone down XXXX even when I made additional payments. My payments are {$210.00}. Ive been making payments at {$300.00} in order to pay off the principal quicker but they have taken no money off even for making the original payment. Please see attached email in which the balance does not change and they write it off as payment for interest. This is not at interest only loan and if it was, the difference/additional still should have been applied to the principal. They are literally just taking my money into their pockets.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28269	Web
I called Mosaic company and cancelled my contract due to the XXXX XXXX XXXX never coming out to start the job. Mosaic ( The company ) and XXXX XXXX of XXXX home remodeling ( The XXXX ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 Mosaic has since reported the account to the credit bureaus ( XXXX, XXXX, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and Account/loan # XXXX. XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the XXXX XXXX as well as the lender Mosaic and Mosaic assured me that this information would not be reported on my credit report and thatchy would cancel the contract. I spoke with XXXX XXXX ( XXXX XXXX ) over at Mosaic at XXXXXXXX XXXX XXXX XXXXXXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.
08/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	FL 34759	Web
I am writing a complaint about the finance company " Mosaic ''. This loan bank. This bank disbursed money to a company I contracted on XX/XX/XXXX to do solar and home improvement in my new home. The company name is " XXXX XXXX XXXX XXXX XXXX XXXX '' and his CEO XXXX XXXX XXXX XXXX XXXX As of today XX/XX/XXXX the home improvement is not completed. I called Mosaic to ask about the money and see if it was already given to the company and they told me " yes, the money was given to the company already ''. XXXX XXXX XXXX XXXX XXXX office is closed, no one responded inquiries, no one contacted me for any details. I am paying a loan for a project I haven't seen. This financial company needs to be investigated, they shouldn't just hand out money to anyone without doing a proper research. I know about XXXX families that had the same situation happened with " Mosaic '' and " XXXX ''.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64055	Web	Older American
XXXX notified me of a XXXX XXXX dollar loan and a XXXX XXXX dollar loan showing on my credit report with Solar Mosaic LLC. Neither loan is mine and I have disputed them with each of the credit reporting institutions. I called Mosaic and they said they can not find me in their system. ( because they are not my loans ) The loans are for solar installation and I don't have XXXX. I also live in XXXX and the loans are for XXXX. I also have a new XXXX address on my report that does not and has not ever applied to me. I have never lived in XXXX. I have not cosigned for either of these loans but can not get anyone to help me get them off my credit report. My credit has gone down from close to an 800 credit score to XXXX because of these two loans showing on my credit report and I work hard to keep a high credit score. Can anyone please help me get this resolved please?
11/08/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	MA 02703	Web
A loan for $ XXXX was signed onXX/XX/XXXXfor solar panels. The initial disbursement of $ XXXX was for material around XX/XX/XXXX. The panels were installed by XX/XX/XXXX but the operating panels were never installed and to this day I dont have operating solar panels. The permits were never obtained. I paid Mosaic regardless until XX/XX/XXXX when they told me they were going to take my home and I signed a contract and was basically a dead beat. The loan was XXXX days past due at the time. Now I am getting calls from multiple companies, people knocking on my door on XXXX and mail from XXXX ( collection agent? ) when I asked why funds were distributed when work wasnt complete they stated the installer provided pictures. I have filed this account as fraud but am getting harassed even after sending proof services were never rendered. What are my options?
10/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WA 98166	Web
I hired XXXX XXXX XXXX XXXX to remodel my home, with a written contract and financing through Mosaic ( their bank ). XXXX told Mosaic that the job was completed for the kitchen remodel when it was not. Mosaic released the funds for the ENTIRE contract to XXXX despite the job not being done. Since XX/XX/2022, I have tried to reach out to Mosaic via phone, text, and email to get this corrected and to reclaim the funds from XXXX to no avail. XXXX is refusing to return the funds and refusing to complete the contract. I am still being held accountable for the monthly payments despite their refusal. Since they haven't been back to finish the job, I've had to finish it on my own. Because of this I want a full refund. I'm uploading some pictures, but I have a whole video that I can provide that shows the extent of how unfinished the project was.
01/01/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 307XX	Web	Servicemember
It starts with Solar XXXX XXXX. They initiated the process of selling me solar panels. They put them on my roof but never set it up properly. They won't fix it, employ unqualified people, and it's been several months. Mosaic is the loan company trying to charge me {$26000.00} for the loan while I haven't recieved what was promised. Mosaic has notified XXXX XXXX debt collectors that I haven't made any payments and will IMPACT MY CREDIT. On what planet is it okay to put a decoration on someone's roof for XXXX? Thats what the solar panels are if they aren't functional. I talked to the solar XXXX XXXX workers, I am not the only person. They said some people have been waiting 8+months for an install. This can not be allowed to continue. Solar XXXX XXXX and mosaic are scamming people that want to better the environment by switching to solar.
02/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32221	Web	Servicemember
I purchased solar panels from XXXX XXXX XXXX and were advised that the payment for the panels would begin when the panels are installed. The contract was signed on XX/XX/XXXX and its now XX/XX/XXXX and I have no solar panels. I received a copy of the contract that stated my 1st payment will be due on XX/XX/XXXX instead Mosaic sent me a statement for a payment due on XX/XX/XXXX. I will have to pay 2 bills my electric bill and Solar bill with no solar panels to show for it. I was advised by Mosaic to discard the contract and pay them on XX/XX/XXXX. I asked to speak with the manager to get the situation escalated and at the end of the week I was advised to make the payment by the manager XXXX. This is very confusing and unfair to pay for goods and services I dont have especially when I have a copy of a contract with a different due date.
08/02/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 341XX	Web
I received two separate billing statements, one week apart. First statement was for a home improvement loan for {$50000.00}. Statements included a signature form to authorize them to setup automated clearing house withdrawals after completing the required banking information. I contacted them numerous times to straighten the matter out but they refused to discuss the matter unless I provided additional very detailed personal information, i.e. DOB, SSN, etc. Coincidentally, my husband received a similar statement from the same company indicating he had also taken out a home improvement loan for the sum of {$43000.00}. Neither I nor my husband have applied, received or requested a home improvement loan from anybody. The name on the statement is my former name from a previous marriage. This is a scam!
12/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 72701	Web
I received a loan for solar panels on XX/XX/XXXX. Per their documents in the disbursement section, they would not disburse the money until certain conditions were met. They contacted me twice on XX/XX/XXXX and XX/XX/XXXX inquiring if the system was operational. Both times I replied no. They proceeded to disburse the money to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is now no longer in service. The money should not have been disbursed until the installation was complete and operational. Had I been paying them I would not have paid until the job was complete. I have opened XXXX complaints on XXXX and XX/XX/XXXX, and I was told they would contact me. Both complaints were closed with no contact and directed me to call the solar company which Ive told them is no longer in business.
10/25/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92395	Web	Servicemember
In attempt to get solar panels my credit was hurt for project that was never started. XXXX took my information and signature from original meeting and used it to add a XXXX debt to my credit. In XX/XX/2023 I canceled the project and XXXX forever told it would be taken care of. Now, earlier this in this month of XX/XX/2023, I noticed the account was still on my credit. XXXX forever claims they've done their part in canceling the project but the debt collector mosaic is telling me XXXX forever is saying they're going to continue the project even though I made it clear I did not want the project to be done. I've had multiple conversations in between XXXX and XX/XX/2023 about having this resolved and I continue to be given the run around. Therefore I am filling this consumer complaint.
07/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37312	Web
In XXXX of 2022 a sales associate with XXXX XXXX came to our house and sold us solar panels to be financed through Solar mosaic. We were promised a reduction of around 70 % of our power bill, we were told we would have a warranty, and we were told we would get a rebate to pay off 30 % of our loan when we did our taxes. all of this turned out to be lies. We don't even save XXXX $ a month, we don't have a warranty, and we didn't receive the rebate as we were promised. Without paying the 30 % within 18 months the amount due will increase XXXX $ per month over the lifetime of the loan ultimately doubling the amount we owe we can't afford to pay for an additional power bill, I have called and spoke with Mosaic numerous times to no avail
10/08/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 354XX	Web
I tried to get the system fixed first they XXXX XXXX. Well they filled bankruptcy an when it is business. So I'm dealing with the loan company. Went thru some hard times an tried to get a hardship loan. Sent them all the paperwork they requested over 8 months ago an still nothing. They continue to XXXX compound interest in my loan. I'll NEVER get caught up. I was also told that the system could be returned an that I would get back payments returned. All I want is this faulty thing gone an my credit repaired. No one will help me find the company that is taking over for XXXX. I can't afford to pay someone to remove them. I'm on XXXX an my check only goes so far. I don't even live in the house it's on ... .. God Bless!!!!
11/22/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	CA 94580	Web
We went into contract with XXXX to build out XXXX and they had pushed us to use Mosaic for our construction loan. XXXX co-erced me into give them money up front for milestone they didn't complete. Said our project would be delayed if we didn't pay them. Mosaic was aware of this as there has been several complaints to the California XXXX board as well to the DA. Both XXXX and XXXX are being investigated. XXXX is now out of business and Mosaic won't do anything to claw back to money knowing that XXXX obtained payments through false means. We are asking Mosaic to close our loan and clear our obligation due to them knowingly work with XXXX has have trouble with numerous projects. Taking money for not completing work.
05/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91387	Web	Servicemember
On Today 's date XX/XX/2022, I received a letter from the company XXXX XXXX XXXX about an alleged/disputed loan with the company MOSAIC ( Loan # XXXX ). I wrote back to this company about the legal dispute regarding this loan. For, this loan was fraudulently established under my name by the companies XXXX XXXX XXXX, MOSAIC and XXXX XXXX You can refer to the current investigation conducted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as well as the police report from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and the complaint with CFPB against MOSAIC ( XXXX ). This company is attempting to collect a debt that simply does not exist, because i have never taken a loan with MOSAIC.
04/10/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89108	Web
On XX/XX/2021, I received information about the company. On XX/XX/2021, I activated an account on the company 's website. On XX/XX/2021, the account had been cancelled. On XX/XX/2021, I received and email that the solar panels were going to be installed without signing any kind of contract. On XX/XX/2021, they discounted {$160.00} from the bank account. On XX/XX/2021, we received a congratulatory email for being a part of the company even though the account was never activated, and I never signed a contract or saw XXXX. Since I cancelled the payment because I never signed anything and we never talked about the payment method. They sent me to collection with a bill of {$39000.00}.
10/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	WA 98503	Web	Servicemember
My payment schedule with Mosaic began on XX/XX/2023, with payments of {$640.00} withdrawn every month on the XXXX. From the first payment, Mosaic has claimed the payments were late even though they were on time and the company confirmed that the payments were not late. Despite that, I have been harassed by them every month between 8-10 days after the payment processed with claims of late payments. The latest incident involved a letter I received dated 2 days AFTER I called and they confirmed the payment was not late. It's now been three months and their excuse is " we escalated it ''. It's now been " escalated '' 8 times and still they claim every payment is late.
07/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30528	Web
Mosaic is a lender from California and XXXX XXXX XXXX XXXX XXXX. They do not list a Georgia business license and they are partners in a scam that two states attorney general offices. I am in Georgia and have been scammed. The solar system sold doesnt work and the lender and company were aware of the poor quality equipment being installed. I never agreed to a lien on our home and they put one on our house. They promised a tax rebate that does not exist. I can not afford to pay the payment and my electricity bill that hasnt gone down as promised. The states of TN and KY have filed suit against XXXX XXXX XXXX but Mosaic the partner should also be held accountable
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33905	Web
Mosiac is showing on my XXXX my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my experian account
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32043	Web	Servicemember
This company is reporting a {$16000.00} loan for solar panels I never purchased. I have called this company multiple times to further investigate this matter, and they have an account open In my name but no contract with my signature authorizing the agreement. I did buy solar but with another company. This company should not be reporting any information to my credit report as I have no relationship with this company. This inaccurate reporting has harmed my ability to get lending with other creditors. I need this inaccurate information removed immediately. I will also need compensation for the damages caused by SOLAR MOSAIC LLC.
03/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AR 72758	Web
In XXXX, We got a loan from mosaic llc for solar panels with XXXX XXXX - XXXX XXXX they started the installation but never done and mosaic didnt got sure we got what they paid for it we tried multiple times to get our loan canceled but they only said they are investigating when they know that XXXX went into bankruptcy and they are not getting done the project. Attached is a picture where shows where the panels installation were when they stopped answering the phone, we supposedly get the panels to save on our electric bill but now we still have to pay our high electric bill plus we have that loan
07/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 341XX	Web
I received two separate billing statements for two home improvement loans, one that my wife supposedly took in the amount of {$50000.00} and another statement for a loan in my name for {$43000.00}. Both billing statements received requested banking information to signup for ACH payments. I called the company on numerous occasions to let them know that a mistake was made and that we never received or applied for any home improvement loan. They were adamant that without supplying further detailed personal information they couldn't discuss or acknowledge the loans. This is a case of fraud!
10/23/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90045	Web
My loans from Solar Mosaic have been requested to be canceled by their partner, XXXX XXXX XXXX, as the work was not completed. XXXX XXXX XXXX has requested that my loans be canceled. However, Solar Mosaic , Inc. continues to collect payments on XXXX XXXX XXXX XXXX XXXX I was notified that if a payment is more than 15 days late, I'll be charged a late fee of 5 % of the amount due or {$10.00}, whichever is less. These loans need to be canceled as XXXX XXXX XXXX did not complete the home improvement project and has sent an email to Solar Mosaic requesting the cancellation of the loans.
01/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 78245	Web	Servicemember
Made a loan through XXXX XXXX to have solar panels installed on my home. Mosaic has already paid XXXX XXXX although I reported to them that they had not completed the contract!!! Their contracted company, XXXX XXXXr has already violated my contract by not having my solar system installed and with permission to operate within 90 days. Numerous Failures by XXXX XXXX wiring issues Faulty panels, solar system not installed to contracted plans, documents and designs XXXX commissioning failures and I am out of {$20000.00} due to Mosaic paying company BEFORE CONTRACT WAS COMPLETED!!!!!!!!
02/23/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	TN 385XX	Web
We got a loan for XXXX through XXXX XXXX XXXX. XXXX finance this purchase they were supposed to make installment payments but instead paid the whole thing to XXXX XXXX and we still do not have this product we bought it in XX/XX/2022 and we have been paying monthly payments every month with interest for something we did not even get. We have contacted Mosaic and ask them to stop payments and interest until we receive the product that we are supposed to be purchasing but now XXXX XXXX XXXX is no longer in business and the US government has shut them down
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33322	Web
In XXXX of XXXX a Company by the name of Solar Mosaic inc sent out a salesman to my home. I initially accepted the offer, but cancelled it within the 3days that youre allowed. I provided all the necessary information to the company & thought it was resolved. 2 months later it has shown up on my credit. This shouldnt have never happens due to the cancellation process I followed according to their policies. I have spoke with them several times, and the have stated that this has been resolved on their end. I would like this removed from my credit.
10/27/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 94534	Web	Older American, Servicemember
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Home improvement loan XXXX. I have signed loan for zero % when I saw statements it showed 6.99 %. So I stop payment and call my windows installer company XXXX in XXXX. They agreed to cancel the loan. I get approved the new loan # XXXX, same company Mosaic.phone # XXXX Now they are sending collections notices. That it is a 2nd loan. Which is not true. Trying ruining my credit. The loan already canceled. Please help me. Collection company name is XXXX XXXX XXXX XXXX XXXX AZ XXXX Thanks
02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 94611	Web
Solar mosaic of XXXX CA opened an account in my name for solar/ home improvements on XX/XX/19 apparently at the request of XXXX XXXX XXXX of XXXX XXXX CA . I never initiated this loan or process. It apparently has a balance of {$28000.00}. I have never received any funds nor requested them. This is identity fraud. I have notified solar mosaic and they are investigating. I have attempted contact with XXXX XXXX but have received no response yet. I learned about this just 1-2 weeks ago when checking my credit report.
03/27/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 91360	Web
We added solar batteries to our home, the solar company used a lending company, we have a completed and signed loan agreement with that loan company. One month later, we received an email saying we needed to re-apply, because the fees weren't correct on the loan, even though the loan included finance charges on top of the APR. The email from the solar company stated extra fees were required. We feel this isn't a fair lending practice by mosaic loans. Thank you for your attention to this matter.
12/09/2020	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 Problem with personal statement of dispute	NY 11581	Web
Solar Mosaic erroneously reported the account type as a mortgage as noted by XXXX instead of XXXX. The company agrees that the account type should be reported as a portfolio type = installment I and account type 9A secured home improvement. Further, the XXXX account does not constitute a lien on real property, this information can be found on section 7 of the loan agreement. The loan is secured by secured by a lien only on the Solar equipment itself we do not file a lien against the home.
03/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TN 378XX	Web	Servicemember
Mosiac with XXXX XXXX pressured us to buy 115 % of solar on my roof. It does not produce 115 % not even close. I turned in complaint to federal regulator. I would like the solar panels removed from my house or they can pay them off. they are now restricting my selling of my home. The panels failed, and misrepresented to me, I have documented proof. Also, the salesman spoke with Mosiac while we were buying them, and he stated that they will come after me if I do not pay it.
09/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 376XX	Web
I started making payment on this solar loan in XXXX of 2022. I did not get any form of installation done till the start if XX/XX/2022. My panels and the services I agreed to are not functioning to this day, XX/XX/2022 and I have called to request the XXXX XXXX be put into place until all is functional. The bank is denying that such a rule exists in our contract and they are refusing to pause payment until my product and services are fully delivered and functional.
08/31/2020	No	Mortgage Other type of mortgage	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 939XX	Web
I have contacted Mosaic Solar Financing on XX/XX/2020 and XX/XX/2020 to ask them to properly report the loan I have with them on my credit report. They are reporting the loan I have as a Mortgage. It is not, it is a personal loan secured by the Solar Equipment on our home. There is no mortgage with Mosaic Solar recorded against our property. The inaccurate and misleading reporting as a mortgage is causing an issue with my ability to refinance my house.
08/02/2023	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 336XX	Web
There is an account being reported on my credit report that I did not open. i have sent letters out to the company to show me proof of account ownership twice and have gotten no response. i have also disputed this item with the credit reporting agencies, they respond with a account is verified response. I have also requested method of verification information from the CRAs and i have gotten no response. tracking : XXXX XXXX XXXX
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95843	Web	Older American
Mosaic has reported to the credit bureau that I was 30 days late in XXXX of 2021 which have resulted in my credit score dropping. We have contacted them so many time with no avail. My wife pays this bill every month that's why when I call I put her on the phone to talk to them. They are still saying we were 30 days late which is not true. Enclosed you will find copies of bank statements with payments paid to them on this account.
08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 770XX	Web	Servicemember
XXXX is involved in a Fraud Suit ( Case # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ) ... Reported to Credit Bureaus, and received from Credit Bureau that all information reported was correct when it's not... The litigation is still pending, and Case is still active ... The company ( XXXX ) was taking monies from my bank account due to fraudulent activity ... Yet the Company ( XXXX ) shows paying as agreed on my account...
06/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 785XX	Web	Servicemember
Solar Mosaic LLC \| XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX \| XXXXXXXX XXXX XXXX XXXX License XXXX Should stop money given to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am owed two months of reimbursement for XXXX for each month. XXXX XXXX stated that I was going to get reimbursed until Solar Panels are active and Solar Mosaic would not charge until Solar panels where active.
04/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 729XX	Web
I got solar panels from XXXX. XXXX went out of business and left my priject incomplete. Mosaic dispersed funds to XXXX XXXX XXXX XXXX before the project was complete and before insuring the panels were functional. The solar panels were and are not operating or operational. They are not wired correctly. I can not get the solar panels to PTO ( permission to operate ).
11/09/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	ID 836XX	Web	Servicemember
I have made several complaints and provided proof that the Solar Mosaic debt is not mine and the account is now closed. All XXXX companies,, XXXX, XXXX and XXXX keep certifying that the information on my account is correct when its not. The CFPD does nothing about this even with the documentation saying its not mine.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34986	Web
The following listed company 's have filed a XXXX filing against my company and it is not mine. I need help trying to find out who these companies are and why they have this on my report. I do not have a delinquent communications bill, I do not have a Solar delinquency nor do I have a Loan fund thats delinquent.
11/24/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	TX XXXXX	Web
First I was in shock about this company sending me anything and I then I saw that this company put a lien on my home. I asked them who were they and I sent them a validation, verification, dispute, cease and desist letter that wasn't verified, and they filed on my credit report although we are in dispute.
10/04/2023	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	CO 806XX	Web
I contacted the two credit bureaus XXXX and XXXX. They continue to report that an account, solor mosaic, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.
05/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33324	Web
I reached out to the creditor in writing to request a debt validation. However, it has been over 60 days and I have not received any response. I would like to clarify that this account does not belong to me, and neither is the associated address mine. I have never owned or lived at that address.
05/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33324	Web
I reached out to the creditor in writing to request a debt validation. However, it has been over 60 days and I have not received any response. I would like to clarify that this account does not belong to me, and neither is the associated address mine. I have never owned or lived at that address.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 857XX	Web
Solar Mosaic LLC reported an account on my credit record showing {$12000.00} balance. I never purchased any solar equipment and never okayed to get a loan for solar. I tried to get ahold of them and information I found left me with only message machine and got no call back.
05/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75056	Web
I have an loan approval for solar panels which included the battery... later decided not go with battery.I did not get any new documents for signature but the loan company is charginh the XXXX for tge loan approved for battery
03/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 94558	Web
Mosaic refuses to cancel my project and loan despite the contractor lying about having completed the project. There has been XXXX progress on the project and they have already disbursed {$100000.00} to the contractor.
10/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06082	Web
Mosaic solar charged me XXXX I never signed or agreed to any service. I was just checking to see what savings I would have. And cost to do it. Never agreed to service but have a loan on my credit report
10/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95765	Web
This account has been paid in full and the company has refused to update the information on my credit report. I have disputed this item 3 times and still no change on my report.
12/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 32566	Web	Servicemember
Mosaic Solar pulled my credit report without my authorization. Now they are trying to force me to accept a loan from them. They also used forged documents.
03/23/2022	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	CA 93612	Web
Already paid off the complete balance to Solar Mosaic but still show up in my credit report as a Charge off and for that reason I cant refinance my house
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	ID 836XX	Web	Servicemember
This is not my account, I did not authorize it and XXXX says they certify its mine after Mosaic closed it and sent confirmation it was closed.
02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34293	Web

02/06/2024	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 496XX	Web	Older American

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34293	Web

01/30/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	CA 93221	Phone	Older American

01/27/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	GA XXXXX	Web	Older American, Servicemember

01/25/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	MN 55068	Web

01/23/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 32713	Web

01/23/2024	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 33556	Web

01/19/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	CA 91942	Web

01/12/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CO 809XX	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60478	Phone	Servicemember

01/10/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92308	Phone	Older American

01/05/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	CA 94080	Web

12/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07930	Web

12/22/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	TX 79936	Phone

12/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CT 067XX	Web

12/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95127	Web

12/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78227	Web	Servicemember

11/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 91702	Web

11/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	CA 94806	Web

11/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	ME 04069	Web

11/04/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	ID 83604	Web	Servicemember

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 87507	Referral

09/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	PA 19475	Web

09/26/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage Trying to communicate with the company to fix an issue with the application process	CA 93065	Phone

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90066	Web

09/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	NY 11003	Phone

09/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	GA 30521	Phone

08/29/2023	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	CA 90043	Web

08/23/2023	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	CA 90043	Web

08/23/2023	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	CA 90043	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90043	Web

08/20/2023	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	CA 90043	Web

08/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 235XX	Web

08/07/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	IL 60555	Phone

07/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32163	Phone	Older American

07/10/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77386	Phone	Servicemember

06/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 152XX	Web

06/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 15106	Phone

05/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AR 72758	Phone	Older American

04/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CO 80911	Web

04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33028	Web	Older American

04/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AR 72745	Web

04/07/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OK 73538	Web	Servicemember

03/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AR 72758	Phone

03/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 72704	Web

02/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91351	Postal mail

02/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33023	Web

02/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90044	Web

01/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33534	Web	Servicemember

01/17/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 93534	Phone

11/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78602	Phone

07/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web	Older American, Servicemember

06/28/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33598	Phone	Older American, Servicemember

06/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32570	Phone	Older American, Servicemember

05/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07208	Web

04/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 811XX	Web

04/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 91387	Web	Servicemember

03/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 91042	Web

03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77084	Phone	Older American

03/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 80504	Web	Servicemember

02/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75160	Web	Older American

01/22/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 92707	Web

01/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 95351	Referral

12/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	ID 83641	Phone	Older American

12/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93726	Web	Older American, Servicemember

10/13/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	DC 20032	Web

07/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32591	Referral

06/08/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32563	Web	Servicemember

05/31/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 32563	Web	Servicemember

03/17/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	RI 02814	Web

10/26/2020	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Phone	Older American

09/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 95121	Web

08/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

04/08/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments		Phone

04/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91702	Web

10/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Referral

06/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92832	Postal mail