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.
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- 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.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 24 | 54.5% |
| 12 months to Nov 6, 2025 | 15 | 34.1% |
| 12 months to Nov 6, 2024 | 5 | 11.4% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 11 | 25% |
| Can't contact lender or servicer | 5 | 11.4% |
| Problem with the payoff process at the end of the loan | 5 | 11.4% |
| Struggling to pay your loan | 5 | 11.4% |
| Received a loan you didn't apply for | 4 | 9.1% |
| Loan payment wasn't credited to your account | 3 | 6.8% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 3 | 6.8% |
| Getting the loan | 2 | 4.5% |
| Incorrect information on your report | 2 | 4.5% |
| Can't stop withdrawals from your bank account | 1 | 2.3% |
| Problem when making payments | 1 | 2.3% |
| Problems receiving the advance | 1 | 2.3% |
| Was approved for a loan, but didn't receive the money | 1 | 2.3% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 36 | 81.8% |
| Closed with monetary relief | 6 | 13.6% |
| Closed with non-monetary relief | 2 | 4.5% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| Texas | 25 | 56.8% |
| California | 12 | 27.3% |
| Wisconsin | 2 | 4.5% |
| Arkansas | 1 | 2.3% |
| Georgia | 1 | 2.3% |
| Missouri | 1 | 2.3% |
| Mississippi | 1 | 2.3% |
| Utah | 1 | 2.3% |
Latest 25 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| 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 |
| 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 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | 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 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 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 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | 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 |
| 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 |
Also on SpecStream
- All MoneySpot USA LLC DBA Sunshine Loans complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- All consumer complaints
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.