# Nicholas Financial Inc.: 13 CFPB complaints, last 3 years

Updated November 10, 2026.

Nicholas Financial Inc. drew 13 consumer complaints in the CFPB database in the three years to November 9, 2026, and 236 since 2013. The largest group, 8, was about credit reporting or other personal consumer reports, and the most common issue was “Improper use of your report” with 5. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

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.

- Complaints, last 3 years: 13
- Complaints, all years: 236
- Responded on time: 100.0%
- Closed with relief: 0.0%
- Products: 3
- Latest received: Jan 12, 2025

## Complaints by year

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

| Year | Complaints |
| --- | --- |
| 2025 | 1 |
| 2024 | 11 |
| 2023 | 28 |
| 2022 | 26 |
| 2021 | 42 |
| 2020 | 30 |
| 2019 | 27 |
| 2018 | 28 |
| 2017 | 13 |
| 2016 | 9 |
| 2015 | 12 |
| 2014 | 5 |
| 2013 | 4 |

## 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 |
| --- | --- | --- |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 8 | 61.5% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 3 | 23.1% |
| [Vehicle loan or lease](https://specstream.ai/data/consumer-complaints/product/vehicle-loan-or-lease) | 2 | 15.4% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Improper use of your report | 5 | 38.5% |
| Attempts to collect debt not owed | 2 | 15.4% |
| Incorrect information on your report | 2 | 15.4% |
| Problem with a company's investigation into an existing problem | 2 | 15.4% |
| False statements or representation | 1 | 7.7% |
| Managing the loan or lease | 1 | 7.7% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 13 | 100% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 4 | 30.8% |
| [Georgia](https://specstream.ai/data/consumer-complaints/state/georgia) | 4 | 30.8% |
| [Michigan](https://specstream.ai/data/consumer-complaints/state/michigan) | 2 | 15.4% |
| [South Carolina](https://specstream.ai/data/consumer-complaints/state/south-carolina) | 2 | 15.4% |
| [Nevada](https://specstream.ai/data/consumer-complaints/state/nevada) | 1 | 7.7% |

## Latest 13 complaints

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

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| January 12, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11491634) |
| December 13, 2024 | Debt collection | False statements or representation | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11140495) |
| November 27, 2024 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10949278) |
| November 15, 2024 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10812523) |
| June 30, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9383618) |
| June 6, 2024 | Vehicle loan or lease | Managing the loan or lease | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9192730) |
| June 5, 2024 | Vehicle loan or lease | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9185550) |
| May 6, 2024 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8944000) |
| April 13, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8759874) |
| March 10, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8516842) |
| January 24, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8212248) |
| January 15, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8181570) |
| December 17, 2023 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8014226) |

## Also on SpecStream

- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Every company with Vehicle loan or lease complaints](https://specstream.ai/data/consumer-complaints/product/vehicle-loan-or-lease)
- [Consumer complaints in Georgia](https://specstream.ai/data/consumer-complaints/state/georgia)
- [Consumer complaints in Florida](https://specstream.ai/data/consumer-complaints/state/florida)
- [Consumer complaints in Michigan](https://specstream.ai/data/consumer-complaints/state/michigan)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/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](https://creativecommons.org/licenses/by/4.0/).