Data / Consumer complaints / Sunlight Financial LLC
Sunlight Financial LLC: 234 CFPB consumer complaints in the last 3 years
Sunlight Financial LLC drew 234 consumer complaints in the CFPB database in the three years to November 6, 2026, and 327 since 2020. The largest group, 129, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Problem with additional add-on products or services” with 30. The company responded on time to 77.4% of the complaints, and 0.4% closed with monetary or other relief.
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- 234Complaints, last 3 years
- 327Complaints, all years
- 77.4%Responded on time
- 0.4%Closed with relief
- 9Products
- Oct 23, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 101 |
| 2025 | 73 |
| 2024 | 54 |
| 2023 | 47 |
| 2022 | 38 |
| 2021 | 9 |
| 2020 | 5 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 129 | 55.1% |
| Debt collection | 43 | 18.4% |
| Credit reporting or other personal consumer reports | 38 | 16.2% |
| Mortgage | 16 | 6.8% |
| Money transfer, virtual currency, or money service | 3 | 1.3% |
| Debt or credit management | 2 | 0.9% |
| Checking or savings account | 1 | 0.4% |
| Credit card | 1 | 0.4% |
| Vehicle loan or lease | 1 | 0.4% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problem with additional add-on products or services | 30 | 12.8% |
| Charged fees or interest you didn't expect | 28 | 12% |
| Getting the loan | 24 | 10.3% |
| Incorrect information on your report | 21 | 9% |
| Problem when making payments | 17 | 7.3% |
| Problem with a company's investigation into an existing problem | 15 | 6.4% |
| Attempts to collect debt not owed | 13 | 5.6% |
| Written notification about debt | 12 | 5.1% |
| Problem with the payoff process at the end of the loan | 11 | 4.7% |
| False statements or representation | 10 | 4.3% |
| Struggling to pay your loan | 10 | 4.3% |
| Took or threatened to take negative or legal action | 7 | 3% |
| Trouble during payment process | 6 | 2.6% |
| Closing on a mortgage | 5 | 2.1% |
| Applying for a mortgage or refinancing an existing mortgage | 4 | 1.7% |
| Improper use of your report | 4 | 1.7% |
| Fraud or scam | 3 | 1.3% |
| Can't contact lender or servicer | 2 | 0.9% |
| Confusing or misleading advertising or marketing | 2 | 0.9% |
| Problem with a company's investigation into an existing issue | 2 | 0.9% |
| Charged upfront or unexpected fees | 1 | 0.4% |
| Communication tactics | 1 | 0.4% |
| Credit monitoring or identity theft protection services | 1 | 0.4% |
| Didn't provide services promised | 1 | 0.4% |
| Managing an account | 1 | 0.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 230 | 98.3% |
| In progress | 3 | 1.3% |
| Closed with monetary relief | 1 | 0.4% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 43 | 18.4% |
| California | 40 | 17.1% |
| Florida | 33 | 14.1% |
| Virginia | 13 | 5.6% |
| North Carolina | 10 | 4.3% |
| Pennsylvania | 9 | 3.8% |
| Michigan | 7 | 3% |
| Arizona | 5 | 2.1% |
| Mississippi | 5 | 2.1% |
| New Jersey | 5 | 2.1% |
| New York | 5 | 2.1% |
| Utah | 5 | 2.1% |
| Wisconsin | 5 | 2.1% |
| Connecticut | 4 | 1.7% |
| Georgia | 4 | 1.7% |
| Iowa | 4 | 1.7% |
| Nevada | 4 | 1.7% |
| Ohio | 4 | 1.7% |
| Colorado | 3 | 1.3% |
| Louisiana | 3 | 1.3% |
| South Carolina | 3 | 1.3% |
| Indiana | 2 | 0.9% |
| Massachusetts | 2 | 0.9% |
| Missouri | 2 | 0.9% |
| Oklahoma | 2 | 0.9% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 21, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | In progress | consumerfinance.gov |
| October 4, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 4, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| September 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| September 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| September 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| September 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| September 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| September 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Vehicle loan or lease | Managing the loan or lease | Closed with explanation | consumerfinance.gov |
| August 28, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing issue | Closed with explanation | consumerfinance.gov |
| August 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| August 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | In progress | consumerfinance.gov |
| August 12, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| August 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| July 31, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| July 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 22, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| July 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 15, 2026 | Mortgage | Trouble during payment process | Closed with explanation | consumerfinance.gov |
| July 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| July 9, 2026 | Mortgage | Closing on a mortgage | Closed with explanation | consumerfinance.gov |
| July 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| July 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| June 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| June 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| June 5, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| June 5, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| June 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| June 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| May 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| May 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| May 11, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| May 11, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| May 11, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| May 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| May 6, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| April 30, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Mortgage complaints
- Consumer complaints in Texas
- Consumer complaints in California
- Consumer complaints in Florida
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.