Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My husband and I have XXXX children, XXXX biological and XXXX medically fragile children we adopted out of medically fragile foster care. As you can imagine, things have always been tight for us. We get in bad habits of paying off debt and then when desperate again we tack credit cards and loans back up. After out home was out in forbearance due to COVID, we decided once we were able to catch up again, we knew we not only wanted to, but needed to do things differently. Our credit scores have always struggled. We have always had high interest credit cards and loans and for once we wanted to change that and commit to raising our scores and following credit repair apps. Early XXXX we downloaded XXXX, XXXX XXXX, and Credit Karma. Credit Karma seemed to have the easiest site to navigate, always gave is the higest credit score, and seemed to always have the best availble options and advice for us. After a few months of tracking our scores the were rising and we felt so proud of our accomplishments. We thought Credit Karma was going to change our life and lead us to finacial freedom. That could not have been further from the truth. With the rise of the economy in XXXX, and XXXX person family has become outrageous to provide and things got very tough for us finacially, especially after a few unexpected financial emergencies. We were starting to panic, but we were dedicated to following Credit Karmas advice. As our scores improved, again the higest on Credit Karma, sonwe had written off the the other apps, we started get tons of emails for and notifications for loans and credit cards that were said to help raise our credit limits, and that we outstanding and excellent odds. We took a few of the first loans that were way lower than the amount they said we had oustanding odds of getting, but by this time we were desperate. We wouldnget behind again and Credit Karma would recommend more cards and loans with excellent approval odds and then we weren't getting approved. We receive emails and notifications daily and we eventually realized we had only followed XXXX because of our better deals, chances, and higher score than anyone else was reporting, but this was not true. We followed XXXX for over a year now and our credit scores are lower than when we started and we are in more debt than ever, and the most awful financial position we have ever been in. We have been negative in the bank for two weeks and it is racking up, we have loans on top of loans to pay off more loans. Due to all of our hard inquiries on excellent odds and pre approvals only to get denied our scores are awful again. We got behind on our mortgage again and because of our low scores we are unable to take out any of the estimated {$180000.00} equity we have in our home to catch up on mortgage and bills. We wasted almost two years of our life towards our goal of financial freedom and thanks to XXXX are in extreme financial ruin. The stress on our family has been unbearable. We have had medical emergencies and other unforseem finacial emergencies that through us over the edge and now no savings or credit to help. We are mortified. Beware of XXXX!

Company response to consumer: Closed with explanation