CFPB Consumer Complaint Profile
Carolina Finance, LLC
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 80
- Total complaints
- Mid-range
- 9
- Last 12 months
- 96.3%
- Timely response
- Below median
- 10
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Carolina Finance, LLC places #1470 by volume. On response speed it sits at the 35th percentile among companies with 100+ complaints.
- Credit reporting, cr…
- most-complained product
- NC
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Carolina Finance, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.3% Around the middle higher than 35% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 3 |
| 2016 | 3 |
| 2017 | 4 |
| 2018 | 9 |
| 2019 | 5 |
| 2020 | 5 |
| 2021 | 7 |
| 2022 | 12 |
| 2023 | 7 |
| 2024 | 12 |
| 2025 | 12 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Carolina Finance, LLC
In the CFPB record, Carolina Finance, LLC has a geographically concentrated complaint footprint. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Carolina Finance, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Carolina Finance, LLC have?
80 complaints have been filed against Carolina Finance, LLC with the CFPB overall - 9 of them in the past year.
Does Carolina Finance, LLC respond to complaints on time?
Carolina Finance, LLC's CFPB timely-response rate is 96.3%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Carolina Finance, LLC?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Carolina Finance, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Carolina Finance, LLC?
Consumers most often cite "Incorrect information on your report" when complaining about Carolina Finance, LLC; the full issue list with counts is above.
How do I file a complaint against Carolina Finance, LLC?
You can file a complaint against Carolina Finance, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Carolina Finance, LLC?
The CFPB has recorded complaints against Carolina Finance, LLC from 10 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.