Credit Information Bureau India [CIBIL] Complaints & Reviews

Dear sir /madam
My name is nitin bapurao badade.
1) in 2006 i had purchased bike through centurion bank. But this bank merged into hdfc bank.
2) during this period i had pay all emi regularly but bank shown me at end 3-4 emi dues. Shows
3) finally they settelled the loan amount in 2015.
4) also hdfc bank provide me noc letter.
6) noc letter is attached here. Pls remove my name from defaulter list.

Dear Sir/Madam

Respectfully, It is stated that I am Rakesh Kumar, S/o Late Shri Bidha Shing, Address- 1/4430 Ram Nagar, Dr. Ambedkar Gate Wali Gali, Bhagwan pur Khera, Shahdara, Delhi-32. My Aadhar No.[protected], PAN No. BWOPK3985K, Bank Name -state bank of india - Account No. [protected],
1) I wish to inform that I have never take any Lone from any Bank/Private bank in past.
2) Neither I have given witness to any persons nor to produced any personal documents for in favour for halp of any persons to Bank Lone in before years.
3) But I have heard from my reliable sourses that my CIBIL SCORE very low accordingly. Why?
4) It is highly objectable, that my CIBIL SCORE is very bad without my fault and down to my image.
5) I requst you to please investigate my profile and records to find out the proper reasons and correct it.
6) i requested you to please rectifying my cibil score as per as possibale urgently
I hope that you must be take the proper an action immediately and reply me as-soon-as possible.

In my cibil report there is showing suit filed status. I spoke to transunion cibil costumer care many time but they couldn’t do anything. Even i spoke to the bank also, they were also helpless. Bank also gave me no objection certificate, even though transunion couldn’t help me with that. Because of suit filed in my cibil report i couldn’t apply any loan.

Respected sir/mam
Some wrong loans are reflecting in my cibil. But these loans are not mine. I put dispute to cibil many a times but got no satisfactory answer. I personally contacted to canara and icici banks for clarification and both banks denied any loan account of me. Cibil is not cooperating after many mails sent by me. Pay attention to my problem.
Thanks and hope for necessary action against cibil.
Mail i’d : [protected]@gmail.com

There were some loan I took from Syndicate Bank and I repaid all the amount to the bank but the cibil is showing that I am having all those loans active. The Bank is Syndicate. I want Cibil to clear my score as I have closed both the loans 1-2 years back. I am not getting loans anywhere due to these problems. Why I cleared the loans if it shows active in Cibil after Closing all the loans ? This is very bad and Cibil gives Poor Service to everyone. I heard from some people that they have closed their loans but still Cibil shows they are active what a service, Kindly Solve My problem Cibil.

I had taken a loan from ge money on 24th. May 2008 of amount rs.96, 384. Against loan account no. Rnkd00018818.

All dues of the said loan was paid and settled on 27th. April 2011. Yet in cibil record it is showing as active and amount is showing overdue.

Due to this error in my cibil score, many of my further loans are getting blocked even after having a cibil score of 825. Presently i applied for a personal loan from bajaj finance as i had an urgent need of the same, but they refused the same because of this loan showing active.

In equifax this same loan is showing closed status.
My pan is axeps1587r and i would request cibil authority to take urgent step and rectify this error in their record at the earliest so that my loan doesn't get blocked further.

Dear browsers,

Iam v m rajesh from bangalore. I have used some credit cards and personal loans about 10 years back. I called all credit card banks personal loan banks and closed the cards and loans through settlement after i received a written no-dues certificate from them. However i want to apply for a home loan and it got rejected. I applied for cibil report and got it. My name is listed on it.
How will i get my name out of cibil defaulters list?
Please help me on this subject.

Warm regards,
V. M. Rajesh

I would like to highlight below issues that, I am following up with your team from 3rd Jan but no one helping me in resolving my issue.

1)I have purchased 6 months service, but after making payment of Rs800 my portal is stopped working, till now the issue is not resolved after a continuous follow-up. the only answer which I have got is that technical team is working on this and issue will be resolved in some time. No timeline is shared almost 15 days has been gone in 6 month period, who will be going to compensate for this.

2) I have raise disputes which were resolved and I got confirmation that accounts removed from my report and requested for updated reports multiple times but no one is responding.
Dispute ID CDS[protected] # HSBC - [protected]
Dispute ID CDS[protected] .# ICICIBANK - LPDEL[protected]
Dispute ID CDS[protected]# ICICIBANK - [protected]

All through yesterday, I have got a call from Grievance team, surprisingly even after multiple emails and calls they do not have complete information, they still saying we need to confirm with banks regarding this before removing. However, I have already got confirmation email form CIBIL that dispute is resolved and the account is removed from my report.


3) I have not raised any disputes for below accounts but its removed from my report.

Acct 1 Dewan Housing Finance
Corporation Limited
HOME
LOAN [protected] Individual[protected] ACTIVE*[protected], 11, 636 16, 68, 533 0

Acct 2 Dewan Housing Finance
Corporation Limited
HOME
LOAN [protected] Individual[protected] ACTIVE*[protected], 78, 081 7, 49, 620 0

4 ) I have requested my corrected and updated report multiple times, but received wrong and fake reports twice, attaching same in email for reference.

5) Also, I have received false commitments and information on calls multiple times.
a) I have called customer care on 14th Jan and they have confirmed me that, I will receive a call from Gravence team by end of the day but no call is received and they have not transferred the call to the senior team after many requests and also they don't have correct information about my issue and report. attaching the call recording for the reference.
b)Called again on 15th same wrong information and commitment received, that I will get the call by end of the day from the senior team or grievance team.
However, Received call from Grievance team, same they do not have any complete information about my issue even after 15days of followups. even though I have explained everything again and send e-mails to him during the call as well. As I am in the office at that time requested him to call me after 30-40 mins, I have urgent meeting schedule, that person from the grievance team has assured me that he will call back but no call received till now. one more fake commitment received.
attaching recording for both calls for a reference.

I am requesting you to resolve my issue ASAP. and stop harassing people.

Respected sir/madam,
I took car loan from dena bank beed branch in 2009, a/c no.[protected]. I cleared all laon without defoult, cleared all loan in 13/06/2014, & close a/c
Then also my cibil report showing car loan of 2009 overdue.
I inquired in dena bank, they give me closure statement.
So sir/madam, kindly consider my complaint and do that cibil report correction as early as possible.
Thanking you.

Name: Rinesh Antony
Pan: ANWPR0599Q
NO. [protected]

I had an educational loan from KGB which I have closed an year back but the same is reflecting in my report. Closing letter attached herewith.
KERALAGB
A/c [protected]
Current Balance- nill
Date closed.[protected]

Also, I have a joint Home loan and that is also not updated. The current outstanding is below 5lakhs. The amount showing in the Cibil is 5.86Lakhs.
Bank - KERALAGB
Loan Account Number : [protected]
Current Balance- 484421

This is to inform you that I have not enquired with SICREVACAP for any loan informations. This is reflecting in the credit enquiry report.

Dear sir / madam,

I am sunil kumar & i had never applied for loan at manappuram finance limited for any type of loan in past.
But during checking cibil score on ‘paisa bazaar’ site, a loan on my name has been shown by manappuram. The loan number is mfdlmflons[protected] & the amount is rs. 37, 385.
This is clear fraud by manappuram finance limited.

Now my request is to remove the fraud loan from my name within a time limit of 2 days, otherwise i will go to consumer court for legal action. Also it should not be shown in my cibil, otherwise i will take hard action against you.

My pan card number is: bfkpk8967e.
My aadhar number is:[protected].

Waiting for your earliest reply.

I raised a dispute on 1/11/2018 with dispute id: cds[protected] and on 14th november 2018, i got various notification about removal of disputed accounts @ 12:00 noon. After that, my login was disabled, for which i mailed you separately.

In meantime, i received a complementary cibil report with control number 2, 685, 489, 327 dated 14/11/2018. As expected, most of the accounts were removed and personal information section was also corrected. Refer to attached report for your reference.

On 20/11/2018, i got another complementary report with control number 2, 692, 225, 166 as my login issue was still not resolved. Report was correct and only issue is that my name was wrong this time. You appended 'sanj' to my name. Refer to attached report for your reference.

On 23/11/2018 (Today), i was able to login and hence, refreshed (Control number 2, 699, 915, 561) my score to see the latest update. But surprised to see that personal information and account information is not updated. Refer to attached report.

Could you please help me with this?

Dear sir,
I would like to inform you that i took a demand loan (No[protected] duration-for six months) from ubi main branch, nagaon. Because of no emi system in demand loan bank deducted the whole loan amount from my fixed amount in bank after six month, but for wrong data (Loan category) provided by bank to cibil institutions my credit data hitted severely with negetive mark 'delay payment', so as a result my credit score declined more than 300 score during these six month. So i requested to the concern bank (Ubi) with briefly, but bank ignored may matter by saying that its not their duty, than i request more than thirty times to every cibil institutions since sep18 through mail, but unfortunately still it is pending..! Every time they do revert by saying 'we are still awaiting confirmation from bank. Upon their confirmation we shall get back to you on the same.' similarly when i ask bank regarding this, that time bank also denied by saying that there was any such mail from any cibil institutions. Now what i will do? Both are ignoring my issue to solve. Truly here i want to say that because of this my all financial project has been stoped, though i am a business man, i requested bank for to grant loan, but due to this less credit score all bank denied for grant me loan. Now who are the responsible for this. Therefore many times i requested every body for to solve my issue as earliest and update my cibil score again. But no one are bother to solve it. Here i mention some request id of cibil.
Reqest id of experian-cas0475435.
Reqest id of cibill-cds[protected]
Service request no of cibil[protected]
Hence i humble request to kind notice in my matter, and for to solve earliest.
Thanks and regards

Dear Sir/Madam,

in cibil report there is two overdue accounts are show in my CIBIL, i have no over due account in current period, kindly check my cibil report and provide me correct cibil report. Also provide organization name and account No for both overdue accounts.

My UID No is[protected] and PAN CARD No is FVRPS3650D my Voter id No is UHP0710251 AND My Passport No is N8409942

my Contact No is [protected]
Address id Sardar Colony Arodram Road Alwar Rajasthan 301001

I have used ICICI CREDIT CARD ACCOUNT NO. [protected][protected]. I have taken loan from icici on this card. i have cleared the entire loan amount on 14/12/2018 as full and final settlement. I have obtained the payment receipt & NOC from the ICICI BANK. But in my CIBIL CREDIT INFORMATION IT WAS SHOWING " NOT CLEARED".

Ihave taken personal loan from ICICI BANK LTD. the Loan account NO. is LPHYD[protected]. I have cleared the loan and i have obtained the payment receipt and NOC from ICICI BANK . But in my CIBIL CREDIT INFORMATION IT WAS SHOWING " NOT CLEARED"

my PAN CARD NO.
AILPN1319E

Sir maine koi loan agriculture se nhi liya hoo.
but mera beta ek loan le rha tha to mai uska co- applicants bna hoo.
tab financer ke traf se mera cibil check kiya gya to
me cibil me ek loan show ker rha jo maine liya hai.

sir financer humse is loan
ke bare me clearification magaa jaa rha hai

pls help

your

lalan prasaad yadav

Dear sir,

My name is mahender singh. Pan no. Gmdps4266k. Cibil site shows my dob is 01.01.1984, while my dob as per pan & other documents is 12.03.1983. I try to submit through "raise a dispute". But eerytime it shows. Dispute not solved.
Last dispute submission id is cds[protected]
Status: no change please get in touch with your credit institutions for the required correction

Please update it.

CIBIL 2.0 report is only accepted by Nationalized banks, but to my surprise, the report provided to consumers in CIBIL website is not 2.0, which is chargeable doesn't match and thus due to lack of transparency, consumers are misled.

The 2.0 report is never shared by CIBIL thus consumers never know about the correct scores. In my case, I found the scoring was incorrect and have been low, even though I had no loans or defaulting/late payment incidents in credit cards. Thus resulting in the rejection of loan applications by nationalized banks.

That is the reason CIBIL reports are faulty and biased. I hope CIBIL will correct my 2.0 scores.

This is with respective to the subscription availed from transunion cibil for a period of 6 months and my account is suryachandra27.

While availing the subscription, i was hoping that i could raise a dispute online and track it and also see it in the cibil report as per the claim in the website... But to my pain none of this was possible due to the technical issues in the website. I had to work through the query form and is a lot of pain...

When i reached to the support teams, it is a nominal response from them... How can this be for a an institution like cibil. When i asked for refund, the say it is not possible. Where is the service and accountability? Are you here to dupe money?

Hi i am rajesh bhuin, contact number is [protected], i have an unauthorized inquiry on my report from odd institution which i am not aware of, cibil not response properly. I am trying to contact the respect financial institution, but my question is how should i reach them as they are not even traceable, the inquiry which is on my report is faul, there is no way to know who they are, i request you to delete the below inquiry who did unauthorized inquiry, as there no way for me to reach them.

Sicrevcap - personal loan, apply on 7th october.