CFPB · Diversified product mix
Carolina Finance, LLC
86 CFPB complaints · diversified mix (top product 26.7%) · top issue Incorrect information on your report.
Carolina Finance, LLC: top product "Vehicle loan or lease" is only 26.7% of 86 - multi-bucket mix. Timely 89.5% · relief 15.1%. Allegations, not findings.
- Diversified product mix
- +133.3% filings 2015 to 2026
CFPB relief outcome brief
CCDB company carolina-finance-llc
15.1% relief · 89.5% timely · 86 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: General Motors Financial Company, Inc. (15.5% relief)
Carolina Finance, LLC closes 15.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Carolina Finance, LLC's 86 filings include narrative text
48.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Where Carolina Finance, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 38.4% of this company's filings
Carolina Finance, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 7
- +133.3% vs 2015
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
Carolina Finance, LLC spreads across product buckets
Carolina Finance, LLC's 86 logged complaints stay concentrated: only 12 states show a filing. 48.8% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Carolina Finance, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 86.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 89.5%.
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.
Data sourced from official public datasets for Carolina Finance, LLC (89.5% timely; 15.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix