San Francisco had 3 drives extended by unneccessary roughness calls on third down. They had 0 called against them. One roughing the passer.
Compare the hard data.
San Francisco and Carolina both had 16 first downs by rush or pass. Carolina was more efficient on 3rd down, Carolina had more net yards. Only stat San Fran had the edge over Carolina was turnovers (which to be fair, the last one likely had a lot to do with Cam pressing to make a play that he may not have done in a closer game or with the lead, or tied. And the only other area they had the advantage in was penalties, where SF had 5 penalties on them for 40 yards, 2 first downs, while Carolina had 8 called on them for 5 first downs.
I don't expect you to be objective, considering you want to quit on your team as fast as possible, but to anyone with a pair of eyes, the Niners were given at a minimum 7 points by the refs, maybe more.