Skip to the page

Data / Consumer complaints / MoneySpot USA LLC DBA Sunshine Loans

MoneySpot USA LLC DBA Sunshine Loans: 71 CFPB consumer complaints in the last 3 years

MoneySpot USA LLC DBA Sunshine Loans drew 71 consumer complaints in the CFPB database in the three years to November 6, 2026, and 77 since 2020. The largest group, 44, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Charged fees or interest you didn't expect” with 11. The company responded on time to 100.0% of the complaints, and 14.1% 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.

  • 71Complaints, last 3 years
  • 77Complaints, all years
  • 100.0%Responded on time
  • 14.1%Closed with relief
  • 3Products
  • Oct 16, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 636
202528
20246
20233
20223
20201

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.

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect1115.5%
Attempts to collect debt not owed68.5%
Incorrect information on your report68.5%
Can't contact lender or servicer57%
Problem with the payoff process at the end of the loan57%
Struggling to pay your loan57%
Received a loan you didn't apply for45.6%
Took or threatened to take negative or legal action45.6%
Communication tactics34.2%
Loan payment wasn't credited to your account34.2%
Money was taken from your bank account on the wrong day or for the wrong amount34.2%
Threatened to contact someone or share information improperly34.2%
False statements or representation22.8%
Getting the loan22.8%
Problem with a company's investigation into an existing problem22.8%
Written notification about debt22.8%
Can't stop withdrawals from your bank account11.4%
Electronic communications11.4%
Problem when making payments11.4%
Problems receiving the advance11.4%
Was approved for a loan, but didn't receive the money11.4%

How the company responded

Company responseComplaintsShare
Closed with explanation6185.9%
Closed with monetary relief79.9%
Closed with non-monetary relief34.2%

States

StateComplaintsShare
Texas4766.2%
California1216.9%
Missouri34.2%
Wisconsin22.8%
Arkansas11.4%
Delaware11.4%
Georgia11.4%
Louisiana11.4%
Mississippi11.4%
Pennsylvania11.4%
Utah11.4%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 16, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 29, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
August 28, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
August 23, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 22, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 21, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 13, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 29, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
June 28, 2026Payday loan, title loan, personal loan, or advance loanMoney was taken from your bank account on the wrong day or for the wrong amountClosed with explanationconsumerfinance.gov
June 26, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with non-monetary reliefconsumerfinance.gov
June 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 6, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
June 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 5, 2026Payday loan, title loan, personal loan, or advance loanLoan payment wasn't credited to your accountClosed with explanationconsumerfinance.gov
June 1, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
May 23, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
May 21, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
May 18, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 13, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
May 12, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with monetary reliefconsumerfinance.gov
May 11, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 5, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 2, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 1, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with monetary reliefconsumerfinance.gov
April 2, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
March 30, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
March 23, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 13, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
March 6, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
January 13, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
January 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
December 17, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 15, 2025Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
November 25, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 23, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 23, 2025Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
November 11, 2025Payday loan, title loan, personal loan, or advance loanProblems receiving the advanceClosed with explanationconsumerfinance.gov
October 30, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 30, 2025Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 19, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 17, 2025Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
September 13, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 2, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 30, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with non-monetary reliefconsumerfinance.gov
August 29, 2025Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed 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.