Carolina Finance, LLC
86 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Carolina Finance, LLC complaint mix by product
- Vehicle loan 23 26.7% – 17% relief
- Credit reporting, 22 25.6% – 14% relief
- Debt collection 21 24.4% – 24% relief
- Credit reporting 14 16.3% – 0% relief
- Consumer Loan 5 5.8% – 20% relief
- Credit card 1 1.2% – 0% relief
How Carolina Finance, LLC's 86 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 23 |
| Credit reporting, credit repair services, or other personal consumer reports | 22 |
| Debt collection | 21 |
| Credit reporting or other personal consumer reports | 14 |
| Consumer Loan | 5 |
| Credit card | 1 |
Top States
| State | Complaints |
|---|---|
| NC | 33 |
| VA | 25 |
| SC | 15 |
| GA | 3 |
| PA | 2 |
| OH | 2 |
| AL | 1 |
| FL | 1 |
| CA | 1 |
| IN | 1 |
| MD | 1 |
| WV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 21 |
| Improper use of your report | 17 |
| Attempts to collect debt not owed | 11 |
| Managing the loan or lease | 7 |
| Struggling to pay your loan | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 4 |
| Problems at the end of the loan or lease | 4 |
| Took or threatened to take negative or legal action | 3 |
| Written notification about debt | 3 |
| Repossession | 2 |
| Problem with a purchase shown on your statement | 1 |
| Getting a loan or lease | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Taking out the loan or lease | 1 |
| Shopping for a loan or lease | 1 |
| Communication tactics | 1 |
| False statements or representation | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 3 | 66.7% |
| 2016 | 3 | 100% |
| 2017 | 4 | 100% |
| 2018 | 9 | 88.9% |
| 2019 | 5 | 100% |
| 2020 | 5 | 100% |
| 2021 | 7 | 100% |
| 2022 | 12 | 100% |
| 2023 | 7 | 100% |
| 2024 | 12 | 100% |
| 2025 | 12 | 100% |
| 2026 | 7 | 0% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Carolina Finance, LLC
Carolina Finance, LLC's 86 logged complaints stay concentrated: only 12 states show a filing on record. 48.8% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2015 through 2026-04-14.
Carolina Finance, LLC answers 89.5% of complaints inside the CFPB's tracked window and closes 76.7% with a written explanation. 15.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Carolina Finance, LLC.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Carolina Finance, LLC have?
86, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Carolina Finance, LLC respond to complaints on time?
89.5% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Carolina Finance, LLC?
"Incorrect information on your report", filed under the "Vehicle loan or lease" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.