CFPB · Narrative-heavy record
Sunlight Financial LLC
289 CFPB complaints · 52.6% with narratives · top issue Charged fees or interest you didn't expect.
Sunlight Financial LLC: 52.6% of 289 filings include consumer narratives. Timely 86.2% · relief 0.7% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Narrative-heavy record
- +1160% filings 2020 to 2026
CFPB relief outcome brief
CCDB company sunlight-financial-llc
0.7% relief · 86.2% timely · 289 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Garrison Investment Group (0.6% relief)
Sunlight Financial LLC closes 0.7% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Sunlight Financial LLC's 289 filings include narrative text
52.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Sunlight Financial LLC complaint mix by product
- Payday loan, 108 38.3% – 1% relief
- Payday loan, 61 21.6% – 2% relief
- Debt collection 47 16.7% – 0% relief
- Credit reporting 36 12.8% – 0% relief
- Mortgage 18 6.4% – 0% relief
- Credit reporting, 8 2.8% – 0% relief
- Money transfer, 4 1.4% – 0% relief
How Sunlight Financial LLC's 289 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, personal loan, or advance loan | 108 |
| Payday loan, title loan, or personal loan | 61 |
| Debt collection | 47 |
| Credit reporting or other personal consumer reports | 36 |
| Mortgage | 18 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Money transfer, virtual currency, or money service | 4 |
| Checking or savings account | 4 |
| Debt or credit management | 2 |
| Credit card | 1 |
Where Sunlight Financial LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 15.6% of this company's filings
Sunlight Financial LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 63
- +1160% vs 2020
Top States
| State | Complaints |
|---|---|
| CA | 45 |
| TX | 36 |
| FL | 30 |
| PA | 18 |
| NC | 17 |
| VA | 17 |
| MI | 11 |
| NV | 9 |
| AZ | 8 |
| NY | 8 |
| NJ | 7 |
| IN | 7 |
| GA | 7 |
| UT | 6 |
| WI | 6 |
| IA | 6 |
| OH | 6 |
| SC | 5 |
| MS | 5 |
| IL | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 43 |
| Problem with additional add-on products or services | 38 |
| Incorrect information on your report | 23 |
| Getting the loan | 23 |
| Problem when making payments | 22 |
| Struggling to pay your loan | 18 |
| Attempts to collect debt not owed | 16 |
| Problem with a company's investigation into an existing problem | 12 |
| Problem with the payoff process at the end of the loan | 11 |
| Written notification about debt | 11 |
| False statements or representation | 10 |
| Took or threatened to take negative or legal action | 9 |
| Improper use of your report | 9 |
| Trouble during payment process | 7 |
| Applying for a mortgage or refinancing an existing mortgage | 5 |
| Fraud or scam | 4 |
| Closing on a mortgage | 4 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Problem with a lender or other company charging your account | 2 |
| Managing an account | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 5 | 100% |
| 2021 | 9 | 100% |
| 2022 | 38 | 100% |
| 2023 | 47 | 97.9% |
| 2024 | 54 | 85.2% |
| 2025 | 73 | 95.9% |
| 2026 | 63 | 55.6% |
Source: CFPB Consumer Complaint Database
Sunlight Financial LLC's narrative-rich complaint ledger
Sunlight Financial LLC's 289 logged complaints stay concentrated: only 36 states show a filing. 52.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2020 through 2026-06-19.
Sunlight Financial LLC answers 86.2% of complaints inside the CFPB's tracked window and closes 99% with a written explanation. 0.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Sunlight Financial LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Sunlight Financial LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 289.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 86.2%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Sunlight Financial LLC (86.2% timely; 0.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record