|
11343377
|
2025-01-01
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-01
|
|
|
11666010
|
2025-01-17
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
|
|
11194098
|
2024-12-17
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-17
|
|
|
8071672
|
2023-12-28
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-28
|
| Complaint What Happened |
We obtained a loan through sunlight financial for XXXX XXXXXXXX and we started to get charged for services we did not receive. As of today the XXXX still hasnt started working and the loan company is trying to start payments.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7636918
|
2023-10-04
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-10-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8016874
|
2023-12-18
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-20
|
| Complaint What Happened |
My solar loan lender '' sunlight financialXXXX XXXX '' was making advanced payments to my contractor XXXX XXXX prior to work being completed, permits taken, inspections passing and XXXX issued.My lender also did not do their due diligence PRIOR to paying contractor.
Now sunlight financialXXXX XXXX is demanding payments.There were many violations that XXXX XXXX violated and was obvious to Sunlight Financial.I have repeatedly spoken and emailed Sunlight financial over the past XXXX and a half years that the panels were not properly installed, no permits etc.XXXX XXXX eventually removed all panels from my roof, leaving the connection box attached to my house and stored panels in my backyard and now my roof is leaking and mold has formed.Sunlight financial was informed of all this and they ignored me.My city is threatening to fine me for violations and i have to appear before the magistrate.
I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone { per loan contract } and any documentation giving Sunlight financial/XXXX XXXX permission to pay XXXX XXXX in advance without my consent.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9506220
|
2024-07-15
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Mortgage
|
| Sub Issue |
Lien release
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2024-07-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-15
|
| Complaint What Happened |
This started when I tasked my ex girlfriend to call around for solar panel installation quotes. She immediately called XXXX XXXX XXXX XXXX XXXX XXXX XXXX out electric provider and they suggest XXXX XXXX. I found this strange that a non-profit, coop was suggesting any solar company but maybe they get a kickback from it I didn't not know. However I wish they'd never suggested XXXX. The salesman from XXXX, XXXX, put great pressure on myself and my ex, he wouldn't take no for an answer and the under great, great duress I caved and signed a bunch of things I wasn't in agreeance with. He did change the terms to make it slightly less of a bilk but the cost is beyond any reasonable cost, nearly {$70000.00} for ground mount solar. Too to my complaint is that they use Sunlight Financial as the financial institution, there are a mountain of complaints against Sunlight for bad business practices. I didn't really have an issue until this month when they raised my solar fee from {$250.00} to {$320.00} without so much of a warning. They think people do not check their statements and wouldn't expect such a hike. Upon speaking with customer service who were very rude and stated that the company want XXXX % of the total loan to keep the rate the same. I was told by XXXX that I could pay with the tax credit over 20 years to pay off $ XXXX and that the rate would stay the same if I put a XXXX or so on the principle upon receipt of tax credit, which I did. I paid several thousands off on the principle and yet they still raised my rate, without my knowledge in an attempt to cause me to default on my payment so that they can take my house. They also tie in XXXX XXXX XXXX to make the consumer create an account which the them as well for some reason. These XXXX companies are all in bed with each other to bilk the consumer out and f thousands and thousands of dollars. Hardly any of the payment goes to the principal and it isn't right. I want to speak to someone about this Ponzi scheme and am wondering how f a class action lawsuit can be filed for considering the long list of very upset customers.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4518427
|
2021-07-06
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2021-07-06
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
8981800
|
2024-05-10
|
Confusing or misleading advertising or marketing
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Confusing or misleading advertising or marketing
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Other advances of future income
|
| Date Received |
2024-05-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-10
|
| Consumer Consent Provided |
N/A
|
|
|
8838050
|
2024-04-23
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Sunlight Financial LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2024-04-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have a contact with XXXX. Sunlight claims that I signed a contact with them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8786677
|
2024-04-16
|
Problem with the payoff process at the end of the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem with the payoff process at the end of the loan
|
| Timely |
No
|
| Company |
Sunlight Financial LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-04-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-16
|
| Complaint What Happened |
RE : Loan # XXXX XXXX XXXXXXXX XXXX XXXX Sunlight Financial Account number XXXX In XXXX XXXX, new windows were installed on a private residence. The contractor facilitated the loan process with Sunlight financial. The loan was for {$26000.00} with an introductory APR of 0 % until XX/XX/XXXX.
We had set up an autopayment of {$2000.00} and called XXXX of XXXX to request a payoff quote. The agent quoted us {$260.00} and we had assumed this was for the remaining balance after the automatic draft that is processed at the end of the month.
An automatic draft continued to come out of our account in XXXX and XXXX. After contacting Sunlight financial they claimed since we had not paid off our loan on time, they applied all the payments toward our interest when the monthly payment amount on the contract states {$260.00}. The interest charged was an exorbitant 21.990 % accrued on a daily basis.
After noticing this error and paying off the entire amount quoted on the pay off balance of {$2600.00} Sunlight Financial still charged us the daily interest of {$1.00}, that is showing online.
We request a refund of {$4400.00} interest paid between the XXXX months between XXXX and XX/XX/XXXX.
Thank you for your attention to this matter.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8512936
|
2024-03-09
|
Getting the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting the loan
|
| Timely |
No
|
| Company |
Sunlight Financial LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-09
|
| Complaint What Happened |
I applied for a loan and was denied over XXXX months later the company illegally put panels on my roof that was not approved by the city of XXXX nor approved by myself thus they stared automatic withdrawals of XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11908490
|
2025-02-03
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-03
|
|
|
12188252
|
2025-02-24
|
Problem with additional add-on products or services
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2025-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-24
|
|
|
12299524
|
2025-03-03
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-03
|
|
|
12678129
|
2025-03-26
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Sunlight Financial LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-03-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-26
|
|
