Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
In XXXX XXXX  I opened a loan with Sunset Finance, based in XXXX, SC. During the time I needed the installment loan to pay off important bill. Loan finance was XXXX, Monthly payments of {$100.00} that start XX/XX/XXXX, end XX/XX/XXXX. XXXX went in default in XX/XX/XXXX due to loss of employment. I contacted a lady about unable to pay ; but this company seem to be unable to work with me. They made recent attempt to contact me about the debt yet, I still remain unemployed and the date is XX/XX/XXXX. Due to loss of job, the minimum payments was too high for me, being that I had no income coming in, and they didn't want to take any form of payment unless it was the minimum payment nor ask what can I pay. In XX/XX/XXXX a man name XXXX XXXX, from the loan company took the initiate to come to my Mother House, and explain to her I owe them money, and then took the initiative to talk to her neighbors about if I live there, and explain to them about the debt. Afterward, my mother inform the man that I wasn't there. He decided to take photos of her house, photos of the neighborhood. He also took the initiative to drive by in random cars consistently. My mother also informed him that he had no right to stop by her house ; and that he should contact me via phone and mail and not at her house ; yet, he consistently ignored her rights by stoping by random times out the day. I was informed about this on XX/XX/XXXXXXXX  about the incident, I am unsure about the exact dates, but I known for sure this has been going on a consistent basis. This has been unprofessional and I have never been put in a situation where I felt intimated, threaten, and harassed all at once due to past payments. This company simply ignored people rights, and I am asking for some help to resolve this situation immediately. 


I would like to inform you that my rights and my mother rights has been consistently violated. 
1. Violation 1 is bill collector is not supposed to take photos of your personal property. Their purpose is to communicate to me only about my debt and not document your personal property especially when it not my house.

2. Violation 2 in my rights I have rights to not be harass, or my mother nor intimidate of any kind.

3. Violation 3 Debt collectors can not disclose information to third parties such as neighbors or family members, taking photos facilitate third party contacts or imply a public disclosure of your debts which is illegal.

4. Collector may not threaten to take your property unless they have a court order or judgment ; so in other words, There were no court documents before this legal actions were taken.

5. Violation 4 ; XXXX XXXX, has been informed by mother on the first incident of not to come to her living situation and he consistently ignored her rights by informing him to contact me and not her. 
6. Violation 5 : Debt collector are not supposed to intimidate you by harassing others with threats, harassing third parties such as neighbors and causing a disturbance by showing up with a police car with no court order, and taking unauthorized photos of personal property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation