1. Error in data recording: Sometimes, due to human or system errors, the loan contract information is not correctly recorded in the relevant database, resulting in the absence of self-service loan contract information when querying.

2. New system or update problem: When financial institutions change systems or upgrade systems, data transfer or incomplete update will occur, resulting in some loan contract information not being accurately retrieved.

3. Informal channel loans: In some cases, some loans are made through informal channels or private agreements, and these loan contract information is not recorded by formal financial institutions, so relevant information cannot be found when inquiring.