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Data / Consumer complaints / Sunlight Financial LLC / Debt collection

Sunlight Financial LLC: 43 CFPB complaints about debt collection, last 3 years

Sunlight Financial LLC drew 43 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 18.4% of its 234 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 69.8% of them, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 43Complaints, last 3 years
  • 18.4%Share of the company's complaints
  • 69.8%Responded on time
  • 0.0%Closed with relief
  • Aug 12, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20262251.2%
12 months to Nov 6, 20251432.6%
12 months to Nov 6, 2024716.3%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1330.2%
Written notification about debt1227.9%
False statements or representation1023.3%
Took or threatened to take negative or legal action716.3%
Communication tactics12.3%

How the company responded

Company responseComplaintsShare
Closed with explanation43100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas1534.9%
California920.9%
Florida716.3%
Ohio24.7%
Utah24.7%
Virginia24.7%
Arizona12.3%
Iowa12.3%
Indiana12.3%
Michigan12.3%
North Carolina12.3%
Pennsylvania12.3%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
August 12, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 31, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 29, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 11, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 6, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 30, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 29, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 24, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 18, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 27, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 30, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 10, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 2, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov

Also on SpecStream

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.