Which Solar Loan Companies Get the Most CFPB Complaints
Original analysis of 1,877 records from the CFPB, January 2019–September 2026. Published October 21, 2026.
We counted 1,877 published CFPB complaints naming eleven solar and home-energy lenders, received from January 2019 through September 2026, and ranked the lenders by complaint count.
What the CFPB complaint records show
Solar Mosaic and Solar Servicing, which took over Mosaic's loan servicing in September 2025, were named in 1,219 of the 1,877 published CFPB complaints about eleven solar and home-energy lenders from January 2019 through September 2026, or 64.9%, more than any other lender in the group. Sunlight Financial followed with 321 and Sunnova Energy with 115. The CFPB has no solar category, so the lender list is ours, and the counts are not adjusted for how many loans each company made.
- 65%Mosaic incl. servicer: share of eleven lenders' complaints
- 1,877Complaints about eleven lenders, 2019–Sep 2026
- 4.2×Complaint growth for the eleven lenders, 2022 to 2025
Mosaic leads the ranking
Mosaic and its successor servicer account for 1,219 complaints (64.9%), ahead of Sunlight Financial (321), Sunnova Energy (115) and Ygrene Energy Fund (47).
Complaints rose every year since 2019
The eleven lenders drew 115 complaints in 2022, 286 in 2024 and 480 in 2025, 4.2× the 2022 count.
January to September 2026 already exceeds all of 2025
From January through September 2026 the CFPB received 663 complaints about the group, against 334 in the same months of 2025 and 480 in all of 2025.
Unexpected fees and add-ons lead loan complaints
Among complaints filed as personal or installment loans, "Charged fees or interest you didn't expect" was the issue in 24.4% and "Problem with additional add-on products or services" in 20.0%.
Monetary relief is rare
In 2025, companies closed 0.9% of the solar lenders' personal loan complaints with monetary relief, against 3.0% for all personal loan complaints.
Which Solar Loan Companies Get the Most CFPB Complaints
The ranking covers eleven solar and home-energy lenders, with Solar Mosaic and Solar Servicing counted together, and every published complaint naming them that the CFPB received from January 2019 through September 2026.
Mosaic leads with 1,219 complaints (64.9%), followed by Sunlight Financial with 321 (17.1%) and Sunnova Energy with 115 (6.1%).
The three account for 88.2% of all complaints in the group. The other 8 lenders share 222. Mosaic's total combines 1,006 complaints under the name Solar Mosaic LLC and 213 under SOLAR SERVICING HOLDINGS LLC, a name that first appears in January 2026; the CSV lists both names separately.
Sunnova Energy has no complaints in the data after December 2025, and Palmetto Clean Technology and Sungage Financial first appear in late 2025 or 2026. The counts are not adjusted for the number of loans or customers each company has.
CFPB complaints by solar and home-energy lender, January 2019–September 2026
| Lender | Complaints | Share | In 2025 |
|---|---|---|---|
| Mosaic (incl. Solar Servicing) | 1,219 | 64.9% | 291 |
| Sunlight Financial | 321 | 17.1% | 73 |
| Sunnova Energy | 115 | 6.1% | 82 |
| Ygrene Energy Fund | 47 | 2.5% | 9 |
| Dividend Finance | 39 | 2.1% | 0 |
| Kilowatt Financial (Spruce) | 38 | 2.0% | 4 |
| PACE Funding Group | 35 | 1.9% | 8 |
| Renew Financial | 20 | 1.1% | 1 |
| Enium Capital Group | 17 | 0.9% | 9 |
| Palmetto Clean Technology | 17 | 0.9% | 0 |
| Sungage Financial | 9 | 0.5% | 3 |
Complaints by the date the CFPB received them, January 1, 2019, through September 30, 2026. Share = the lender's complaints divided by all complaints about the eleven lenders in the period.
Are Solar Loan Complaints Going Up
The chart counts published complaints about the eleven lenders by the calendar year the CFPB received them.
Complaints rose from 17 in 2019 to 115 in 2022 and 480 in 2025. From January through September 2026 the CFPB received 663, 98.5% more than in the same months of 2025.
Mosaic drives most of the increase. Its share of the group's complaints was 60.6% in 2025 and 79.6% from January through September 2026. Sunlight Financial's count grew from 38 in 2022 to 73 in 2025, and Sunnova Energy's from 4 in 2023 to 82 in 2025.
The data do not show why consumers filed more complaints. Complaint counts can also change with the number of outstanding loans and with how many consumers know the CFPB complaint process.
Complaints about eleven solar and home-energy lenders by year received
- 201917Mosaic 6 · Sunlight 0 · Sunnova 0
- 202051Mosaic 13 · Sunlight 5 · Sunnova 0
- 202153Mosaic 24 · Sunlight 9 · Sunnova 0
- 2022115Mosaic 41 · Sunlight 38 · Sunnova 0
- 2023212Mosaic 130 · Sunlight 47 · Sunnova 4
- 2024286Mosaic 186 · Sunlight 54 · Sunnova 29
- 2025480Mosaic 291 · Sunlight 73 · Sunnova 82
- 2026 (Jan–Sep)663Mosaic 528 · Sunlight 95 · Sunnova 0
2026 covers January through September only. The CFPB publishes complaints after the company responds or after 15 days, so the most recent weeks may still grow.
What Solar Loan Complaints Are About
Consumers choose a product and an issue when they file. 54.0% of the complaints about the eleven lenders were filed as personal or installment loans; the chart breaks those 1,013 complaints down by issue.
"Charged fees or interest you didn't expect" was the most common loan issue (24.4%), followed by "Problem with additional add-on products or services" (20.0%) and "Getting the loan" (16.7%).
The rest of the complaints were filed under other products: debt collection (17.9%), credit reporting (15.5%), mortgage (9.7%) and other products (3.0%). The CFPB records the product the consumer chose, so a solar loan can appear under several categories. The CSV breaks down the product mix for each lender.
Solar lender loan complaints by issue, January 2019–September 2026
- Charged fees or interest you didn't expect24724.4% of loan complaints
- Problem with additional add-on products or services20320.0% of loan complaints
- Getting the loan16916.7% of loan complaints
- Problem when making payments15815.6% of loan complaints
- Problem with the payoff process at the end of the loan929.1% of loan complaints
- Struggling to pay your loan686.7% of loan complaints
All issues
- Incorrect information on your report292.9% of loan complaints
- Problem with a company's investigation into an existing problem141.4% of loan complaints
- Getting a line of credit70.7% of loan complaints
- Confusing or misleading advertising or marketing50.5% of loan complaints
- Credit monitoring or identity theft protection services40.4% of loan complaints
- Received a loan you didn't apply for40.4% of loan complaints
- Can't contact lender or servicer30.3% of loan complaints
- Confusing or missing disclosures20.2% of loan complaints
- Improper use of your report20.2% of loan complaints
- Loan payment wasn't credited to your account20.2% of loan complaints
- Problem with cash advance20.2% of loan complaints
- Issues with repayment10.1% of loan complaints
- Money was taken from your bank account on the wrong day or for the wrong amount10.1% of loan complaints
How Solar Lenders Compare With All Personal Loan Complaints
More than half of the complaints about the eleven lenders were filed under the CFPB's personal loan product. In 2025 the public database holds 9,536 personal loan complaints across all companies.
The eleven solar and home-energy lenders accounted for 230 of them, or 2.4%. Companies closed 0.9% of these solar complaints with monetary relief, against 3.0% for all personal loan complaints.
Personal loans here means the sub-products installment loan, personal line of credit, pawn loan and tax refund anticipation loan, the grouping the CFPB uses in its annual report. Payday and title loans are excluded. The response category is chosen by the company, and the database contains no dollar amounts. Shares for lenders with few complaints swing widely; the table shows the count next to the share.
Loan complaints and monetary relief by lender, January 2019–September 2026
| Lender | Loan complaints | Relief share |
|---|---|---|
| Mosaic (incl. Solar Servicing) | 673 | 0.0% |
| Sunlight Financial | 192 | 0.5% |
| Sunnova Energy | 44 | 0.0% |
| Dividend Finance | 30 | 0.0% |
| Ygrene Energy Fund | 19 | 5.3% |
| Kilowatt Financial (Spruce) | 14 | 28.6% |
| PACE Funding Group | 13 | 7.7% |
| Enium Capital Group | 10 | 0.0% |
| Sungage Financial | 7 | 28.6% |
| Palmetto Clean Technology | 6 | 0.0% |
| Renew Financial | 5 | 0.0% |
Loan complaints = complaints filed under the CFPB personal or installment loan product. Relief share = complaints the company closed with monetary relief divided by its loan complaints.
Which States File the Most Solar Loan Complaints
The chart counts complaints about the eleven lenders by the state the consumer reported.
CA leads with 411 complaints (21.9%), followed by FL with 280 and TX with 265.
Consumers in 50 states and territories filed at least one complaint. The counts are not adjusted for population or for the number of residential solar installations in each state.
Solar lender complaints by state, January 2019–September 2026
- CA41121.9% of complaints
- FL28014.9% of complaints
- TX26514.1% of complaints
- NY794.2% of complaints
- GA683.6% of complaints
- AZ613.2% of complaints
- VA593.1% of complaints
- PA472.5% of complaints
- MD412.2% of complaints
- NC412.2% of complaints
All states
- CO402.1% of complaints
- NJ382.0% of complaints
- AR301.6% of complaints
- SC291.5% of complaints
- WA281.5% of complaints
- CT241.3% of complaints
- MA241.3% of complaints
- MI221.2% of complaints
- NV221.2% of complaints
- IL211.1% of complaints
- OH191.0% of complaints
- UT170.9% of complaints
- MO160.9% of complaints
- TN160.9% of complaints
- WI150.8% of complaints
- ID140.7% of complaints
- NM140.7% of complaints
- OR120.6% of complaints
- HI110.6% of complaints
- RI100.5% of complaints
- OK90.5% of complaints
- AL80.4% of complaints
- IN80.4% of complaints
- (none)70.4% of complaints
- IA70.4% of complaints
- KY70.4% of complaints
- MS70.4% of complaints
- DC60.3% of complaints
- KS60.3% of complaints
- LA60.3% of complaints
- ME60.3% of complaints
- MN50.3% of complaints
- DE40.2% of complaints
- MT40.2% of complaints
- PR40.2% of complaints
- NH30.2% of complaints
- WV20.1% of complaints
- AK10.1% of complaints
- NE10.1% of complaints
- SD10.1% of complaints
- VT10.1% of complaints
Download the Data and Cite This Study
Every table as a CSV file and in one Excel workbook, a short PDF summary and every chart as an image, free to reuse with attribution (CC BY 4.0).
- CFPB complaints about solar and home-energy lenders by company, January 2019-September 2026Published CFPB complaints naming eleven solar and home-energy lenders (Mosaic combined with its successor servicer), received January 2019 through September 2026, with 2025 and year-to-date counts. · 11 rows · CSV, 1 KB
- CFPB complaints about solar and home-energy lenders by product group, January 2019-September 2026Published complaints by the product the consumer selected, grouped into loan, credit reporting, debt collection, mortgage and other, for each lender and for all eleven combined. · 60 rows · CSV, 3 KB
- CFPB complaints about solar and home-energy lenders by state, January 2019-September 2026Published complaints about the eleven lenders by the state the consumer reported, not adjusted for population or solar installations. · 51 rows · CSV, 1 KB
- CFPB complaints about solar and home-energy lenders by year, 2019-2026Published complaints per calendar year received for the eleven lenders combined, split by Mosaic, Sunlight and Sunnova; 2026 covers January through September only. · 8 rows · CSV, 1 KB
- Solar and home-energy lender loan complaints by issue, January 2019-September 2026Published complaints filed under the CFPB personal or installment loan product about the eleven lenders, by the issue the consumer selected. · 19 rows · CSV, 1 KB
- All tables in one Excel workbookOne sheet per table plus an About sheet with sources, method and citation · Excel (.xlsx), 16 KB
- Summary to print or forward (3 pages)Short answer, key figures, main chart, findings, method and citation · PDF, 235 KB
Charts for your story
CFPB complaints by solar and home-energy lender, January 2019–September 2026
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Complaints about eleven solar and home-energy lenders by year received
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Solar lender loan complaints by issue, January 2019–September 2026
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Loan complaints and monetary relief by lender, January 2019–September 2026
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How to cite
Goldberg, L. (2026). CFPB Complaints About Solar Loan Companies — Complaints by Lender, Year, Issue and State (January 2019–September 2026) [Data set]. Settlement Insight. https://settlementinsight.com/research/solar-loan-companies-cfpb-complaints
BibTeX
@dataset{goldberg_2026_solar_loan_companies_cfpb_complaints,
author = {Goldberg, Leonard},
title = {CFPB Complaints About Solar Loan Companies --- Complaints by Lender, Year, Issue and State (January 2019--September 2026)},
year = {2026},
publisher = {Settlement Insight},
url = {https://settlementinsight.com/research/solar-loan-companies-cfpb-complaints}
}How We Measured
Checked against published figures
- Personal loan complaints (installment loan, personal line of credit, pawn loan, tax refund anticipation loan) received in 2025 and sent to companies for response: published 9,700, our count 9,536 (1.69% apart).Consumer Response Annual Report, January 1 – December 31, 2025
- Share of 2025 personal loan complaints that companies closed with monetary relief: published 3%, our count 3.0% (0.04 percentage points apart).Consumer Response Annual Report, January 1 – December 31, 2025
Full method and limits of the data
Solar is not a product category in the CFPB database, so we built the lender list ourselves from the exact company names in the CFPB company field: Solar Mosaic LLC, SOLAR SERVICING HOLDINGS LLC, Sunlight Financial LLC, Sunnova Energy Corporation, KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY, Ygrene Energy Fund Inc., Dividend Finance Inc., PACE Funding Group, LLC, Renew Financial Holdings Inc, Enium Capital Group LLC, Palmetto Clean Technology, Inc. and Sungage Financial, LLC. We counted Solar Mosaic and Solar Servicing as one lender because Solar Servicing took over Mosaic's loan servicing operations in September 2025. Tesla, Inc., Concord Servicing Corporation and Service Finance Holdings were left out because most of their business is not solar lending. All complaints naming a listed company count, whatever product the consumer chose.
Each complaint is assigned to the calendar year in which the CFPB received it; 2026 covers January through September and is compared only with the same months of 2025. Shares divide a lender's complaints by all complaints about the eleven lenders in the same period. The personal loan comparison uses all companies' 2025 complaints in the sub-products installment loan, personal line of credit, pawn loan and tax refund anticipation loan under the product "Payday loan, title loan, personal loan, or advance loan".
To check the data, we compared two figures with the CFPB's Consumer Response Annual Report for 2025. The report says the CFPB sent approximately 9,700 personal loan complaints to companies in 2025; the public database holds 9,536 in the matching sub-products, 1.7% fewer. The report says companies closed 3% of personal loan complaints with monetary relief; in the public database the 2025 share is 3.0%.
What this data cannot tell you
- The lender list is our own selection. Complaints about solar lending filed against banks, general home-improvement lenders, installers or companies that were left out are not counted, and a few complaints about listed companies may concern products other than solar or home-energy financing.
- Complaint counts are not a measure of how often a lender causes problems. The CFPB states that the database is not a statistical sample of consumers' experiences, and larger lenders with more borrowers can be expected to draw more complaints. The counts are not adjusted for loan volume.
- The most recent months may still grow. The CFPB publishes a complaint only after the company responds or after 15 days, so complaints received in September 2026 may be underrepresented; the comparison of January to September 2026 with the same months of 2025 is therefore conservative on the 2026 side.
- Rows that are identical in every published field are counted separately because the CFPB lists them as separate complaints: 54 rows fall into 26 such groups. The database does not show whether one consumer filed more than once.
- A complaint is the consumer's account. The CFPB does not verify the facts, and the company response category is chosen by the company.
Frequently Asked Questions
Which solar loan company has the most CFPB complaints?
Solar Mosaic, counted together with Solar Servicing, which took over its loan servicing in September 2025. The two names drew 1,219 of 1,877 published complaints about eleven solar and home-energy lenders from January 2019 through September 2026 (64.9%).
How many CFPB complaints are there about Mosaic solar loans?
The CFPB database holds 1,006 complaints naming Solar Mosaic LLC and 213 naming SOLAR SERVICING HOLDINGS LLC from January 2019 through September 2026. In 2025 alone, Mosaic was named in 291 complaints.
How many complaints are there about Sunlight Financial?
Sunlight Financial LLC was named in 321 published CFPB complaints from January 2019 through September 2026, second among the eleven lenders, including 73 in 2025 and 95 from January through September 2026.
How many CFPB complaints has Sunnova received?
Sunnova Energy Corporation was named in 115 published complaints, all received from 2023 through 2025, including 82 in 2025. The data hold no Sunnova complaints received in 2026 through September.
Are solar loan complaints increasing?
Yes. Complaints about the eleven lenders rose from 115 in 2022 to 480 in 2025, and the CFPB received 663 from January through September 2026, already more than in all of 2025.
What do people complain about with solar loans?
Among complaints filed as personal or installment loans, the most common issues were "Charged fees or interest you didn't expect" (24.4%), "Problem with additional add-on products or services" (20.0%) and "Getting the loan" (16.7%). Many other complaints were filed as debt collection or credit reporting problems.
Can I file a CFPB complaint about a solar loan?
Yes. Complaints about solar lenders are filed under the CFPB's existing loan, debt collection and credit reporting products; the database holds 1,877 published complaints naming the eleven lenders from January 2019 through September 2026. In 2025, companies closed 0.9% of the solar lenders' personal loan complaints with monetary relief.
Sources
- Consumer Complaint Database — Consumer Financial Protection Bureau
- Consumer Response Annual Report, January 1 – December 31, 2025 — Consumer Financial Protection Bureau
- Solar Mosaic's Loan Servicing Operations Transition to Solar Servicing — Forbright Bank
Independent analysis. Settlement Insight is not a law firm and not affiliated with any agency named here. Analysis by Leonard Goldberg, Editor. How we work: methodology, our data.
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