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Data / Consumer complaints / MoneySpot USA LLC DBA Sunshine Loans / Payday loan, title loan, personal loan, or advance loan

MoneySpot USA LLC DBA Sunshine Loans: 44 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

MoneySpot USA LLC DBA Sunshine Loans drew 44 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 62.0% of its 71 complaints in that time. The most common issue was “Charged fees or interest you didn't expect”. The company responded on time to 100.0% of them, and 18.2% closed with monetary or other relief.

The request: Watch MoneySpot USA LLC DBA Sunshine Loans: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.

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.

  • 44Complaints, last 3 years
  • 62.0%Share of the company's complaints
  • 100.0%Responded on time
  • 18.2%Closed with relief
  • Aug 28, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20262454.5%
12 months to Nov 6, 20251534.1%
12 months to Nov 6, 2024511.4%

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect1125%
Can't contact lender or servicer511.4%
Problem with the payoff process at the end of the loan511.4%
Struggling to pay your loan511.4%
Received a loan you didn't apply for49.1%
Loan payment wasn't credited to your account36.8%
Money was taken from your bank account on the wrong day or for the wrong amount36.8%
Getting the loan24.5%
Incorrect information on your report24.5%
Can't stop withdrawals from your bank account12.3%
Problem when making payments12.3%
Problems receiving the advance12.3%
Was approved for a loan, but didn't receive the money12.3%

How the company responded

Company responseComplaintsShare
Closed with explanation3681.8%
Closed with monetary relief613.6%
Closed with non-monetary relief24.5%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas2556.8%
California1227.3%
Wisconsin24.5%
Arkansas12.3%
Georgia12.3%
Missouri12.3%
Mississippi12.3%
Utah12.3%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
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
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 6, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed 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 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 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 13, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
January 13, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed 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

Also on SpecStream

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.