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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 36 |
| 2025 | 28 |
| 2024 | 6 |
| 2023 | 3 |
| 2022 | 3 |
| 2020 | 1 |
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.
| Product | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 44 | 62% |
| Debt collection | 21 | 29.6% |
| Credit reporting or other personal consumer reports | 6 | 8.5% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 11 | 15.5% |
| Attempts to collect debt not owed | 6 | 8.5% |
| Incorrect information on your report | 6 | 8.5% |
| Can't contact lender or servicer | 5 | 7% |
| Problem with the payoff process at the end of the loan | 5 | 7% |
| Struggling to pay your loan | 5 | 7% |
| Received a loan you didn't apply for | 4 | 5.6% |
| Took or threatened to take negative or legal action | 4 | 5.6% |
| Communication tactics | 3 | 4.2% |
| Loan payment wasn't credited to your account | 3 | 4.2% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 3 | 4.2% |
| Threatened to contact someone or share information improperly | 3 | 4.2% |
| False statements or representation | 2 | 2.8% |
| Getting the loan | 2 | 2.8% |
| Problem with a company's investigation into an existing problem | 2 | 2.8% |
| Written notification about debt | 2 | 2.8% |
| Can't stop withdrawals from your bank account | 1 | 1.4% |
| Electronic communications | 1 | 1.4% |
| Problem when making payments | 1 | 1.4% |
| Problems receiving the advance | 1 | 1.4% |
| Was approved for a loan, but didn't receive the money | 1 | 1.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 61 | 85.9% |
| Closed with monetary relief | 7 | 9.9% |
| Closed with non-monetary relief | 3 | 4.2% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 47 | 66.2% |
| California | 12 | 16.9% |
| Missouri | 3 | 4.2% |
| Wisconsin | 2 | 2.8% |
| Arkansas | 1 | 1.4% |
| Delaware | 1 | 1.4% |
| Georgia | 1 | 1.4% |
| Louisiana | 1 | 1.4% |
| Mississippi | 1 | 1.4% |
| Pennsylvania | 1 | 1.4% |
| Utah | 1 | 1.4% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 16, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 5, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 29, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| August 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| August 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 20, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 22, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| July 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| June 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Money was taken from your bank account on the wrong day or for the wrong amount | Closed with explanation | consumerfinance.gov |
| June 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with non-monetary relief | consumerfinance.gov |
| June 16, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| June 6, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Loan payment wasn't credited to your account | Closed with explanation | consumerfinance.gov |
| June 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| May 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| May 18, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 13, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 13, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| May 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with monetary relief | consumerfinance.gov |
| May 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 5, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with monetary relief | consumerfinance.gov |
| April 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| March 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| March 23, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| March 21, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| March 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| March 6, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| January 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| January 6, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| December 17, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| December 15, 2025 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| November 25, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| November 23, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| November 23, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| November 11, 2025 | Payday loan, title loan, personal loan, or advance loan | Problems receiving the advance | Closed with explanation | consumerfinance.gov |
| October 30, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 30, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 19, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| September 17, 2025 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| September 13, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 2, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 30, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with non-monetary relief | consumerfinance.gov |
| August 29, 2025 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Consumer complaints in Texas
- Consumer complaints in California
- Consumer complaints in Missouri
- All consumer complaints
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.