Consumer complaint received 2016-07-05
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My Spouse and I purchased XXXX Vehicles at XXXX XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, and the Finance Manager put us through ALLY Financial, with rates around 16 % due to our Scores. XXXX Vehicle, a XXXX Dodge Grand Caravan was possibly purchased in or around XXXX XXXX. The other, a XXXX Jeep Liberty, possibly in or around XXXX XXXX. Or, the ( XXXX ) time frames may be reversed, even though we have the Credit Reports with the Account Numbers, minus the last ( XXXX ) digits of each. One Account # is : XXXX ... ... The Other : # XXXX ... ... The Last ( XXXX ) Digits of each we believe are : XXXX and XXXX. When I was working hard with XXXX, living in Maine, I was trying to better my Spouse 's Score as well as my own, between XXXX XXXX - XXXX XXXX. I finally achieved a XXXX XXXX Score for myself, as well as, possibly a XXXX for my Spouse. We were in the process of moving from XXXX to XXXX and I wanted a better Score Ratio to work with for possibly different vehicles, or to at least Refinance One of them, which we did. A local Credit Union just down the street from XXXX XXXX gave us very Good business. Finally, here is the Overall problem with ALLY FINANCIAL 'S Reporting of our payment history. The Account starting with XXXX {$580.00} per month, CONSTANTLY has been changing with both Month/Year of supposed ( 3 ) Times of 30 Day Late 's. Whereas, the Account starting with XXXX/ {$540.00} per month, was CONSTANTLY changing as well, Month/Year, from ONLY a ( 1 ) Time Supposed Late, to now as we speak, Reporting on My XXXX File as ( 2 ) Times late. NOT on my Spouse 's File though. This is only our XXXX File. But, also as I write right now, this all occurred as I 've been fighting the Company and Credit Bureau 's Tooth and Nail, since XXXX XXXX until Current. Amazing, when I told them if they are going to " Perjure '' themselves on things that never even happened, that they should be smart and look at BOTH our Credit Files and Make Sure they exactly match, and therefore, we would have nothing to possibly complain about. Well, They took my advice ... .BUT, too late. ALL ( XXXX ) Supposed Late 's on Account # XXXX are now COMPLETELY gone from my Spouse 's XXXX File, as well as mine. However, the other Account, # XXXX, still remains on my Spouse 's File, ( with another Lie ), XXXX ... ..And, my XXXX now XXXX, XXXX and XXXX, just recently added a few days ago. Strange, how a Supposed ONE TIME Late in ( 3 ) years all of a sudden appears. Moving Forward : I have ( XXXX ) XXXX Negative Remarks on my XXXX File. However, my Spouse, I believe still has XXXX or maybe ( XXXX ). Furthermore, XXXX is the worse. However, they do have the Identical months and years on both of us. But, these too are just more Lies. NOBODY, and I mean NOBODY, has applied OUR RIGHTS Whatsoever, involving The Fair Credit Reporting Act. I have been doing SO MUCH work between the Creditor ALLY, who claims it 's a " Glitch '', and the Bureaus. Everyone else is getting a Paycheck for ALL the work I 've done, and yet hardly gaining any ground. I was looking at the Class Action Lawsuit against this Company. The reason why was because I was seriously considering one against them myself. Also, not just for us, but for others as well. MOST Accounts, including these ( XXXX ), are JOINT. There is no room for Error. Please Contact this Company and Please just make ALL their LIES disappear. I have Numerous Documents from ALL ( XXXX ) Bureau 's to easily Prove my Case ALL day Long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation