Credit Information Bureau India [CIBIL] Complaints & Reviews

Respected madam/ sir,
My name is parag jyoti borthakur, from guwahati, assam and i took a two wheeler loan from l&t finance guwahati on 28/05/2013 against loan no 1436177 for an amounting to rs.35, 000/-, i had duly paid full amount through my sbi bank ac no [protected]. But today after checking my c-bill record i found its showing pending of rs 9724/- since from 5/7/2014.
Please advice how to update the same. The mater was informed to l&t office long back. I took my noc which was submitted to rto, guwahati and transfer rc in my name.

I had a credit card with Standard Chartered Bank way back in 2004 to 2009. As I lost my job and struggled for 1 year to get a job as I couldn't pay the dues of Rs.12000/- in 2009 and when I settled down in 2013 I did repay to all the Banks, but this SCB credit totally got out of my sight. In 2015 SCB had written off my account and given a wrong information to CIBIL by mentioning a 15 digit account number (which is not my credit card number) that there is a default of Rs.3.58 lakhs from me and I have opted for a settlement EMIs from May 2015 to April 2018 and not paid even single EMI. As I had no idea of CIBIL rating, etc., i didn't worry, but when I opted for a loan I came to know this was present in my CIBIL account. I was shocked and filed a dispute with CIBIL on 13th August 2018 (I paid one month subscription to check credit score) and CIBIL informed that account was not mine and removed it from my CIBIL account. Suddenly on 12th September 2018 (when my subscription got over) it has been reinstated saying that account is mine and CIBIL informed I should get it resolved with Bank.

I sent a mail to SCB customer care division and received an initial reply there is no such account available in their database and requested for my PAN. I once again requested them to check with that account number they somehow got the lead and started to force me to pay Rs.3.58 laksh. I have been asking them to share the EMI details which they informed CIBIL that I have defaulted. They are not able to produce anything. Instead they have sent 200 Credit Card Statement from 2007 to Sep 2018 for the credit card which was written off in 2015!.

I escalated this to CIBIL they once again informed they will only go by SCB's statement and they dont have the law to check the correctness of the information provided by Banks. I dont know how they can rate me with wrong information. Moreover SCB is not worried to resolve my issue repeatedly telling me to pay Rs.3.58 lakhs. They are not committing on the EMIS and wrong information given by them.

Now, I don't know how to proceed and struggling.
I Need somebodies help to get out of this problem.

SCB & CIBIL should be punished and I am ready to repay the correct due to SCB.

Can anybody help me out please.

regards,
L.Raghavendran

Sir,
My Pan no ALCPA0127B. I have taken business priority agriculture loan from state bank of mysore with A/c no [protected]. I cleared loan amount on 11.03.2016. But still shows overdue Rs.137007/- in CIBIL REPORT. Hence, please rectify the error as early as possible.
thanking you sir,
A.Vijaya Kumar
[protected]
[protected]@gmail.com
Encl: account statement

Dear sir
This is chinna perumal sekhar from tirupathi on 2013 i am vist reliance mart for buying samsun 32 inch led tv on that time of period i am contact with bajaj finance ltd company executive for loan process he explained. After i am submitted all documents details. Finance loan process on time i am submitted my all documents and one cheque. He collect from me after he say to me sir your loan process not completed he say to me. After i am asked please give me my all documents and one cheque but he not give my documents and one cheque lot time i am asked he all documents in bajaj finance ltd company office sir i will collect and give to you sir. He told to me. But after few days bajaj finance ltd company people they cut off amount from my bank account [protected] this account number after i am vist to bank to asked bank manager sir y amount cut from my account. He say sir you take loan from bajaj finance ltd that y amount cut. After i am visited bajaj finance office in tirupathi brach i am asking sir i am not take any loan from your company. But you take my amount from my bank. Bajaj finance ltd company people do wrong sign and wrong bank documents submitted for loan process taken from bajaj finance ltd used my name and my all documents and one cheque. Sir please clear the issues from bajaj finance ltd. I am asking request to cibil offers please clear issue from bajaj finance ltd sir.

Thank you sir

With regards
Chinna perumal sekhar
3-8/2, srinivasa puram,
Tiruchanoor road, tirupathi-517501
Cell:[protected].

We have full and final settlement on 12 th july 2018, but not correction in civil report and willful defaulter and outstanding amount show in my credit report after final settlement.
Request for correction in civil report.

Name-manoj kumar
Pan n.-bqkpk5156j
Credit card n.-[protected]
Email id. Advocate. [protected]@gmail.com
Cont no-91-[protected]

I have paid my EMI for home loans with no delays however CIBIL report is showing days delay due to which my score has been degraded. Request you to help me in updating the correct information. I have checked and validated loan statement and it is not showing any days delay in repayment. I have also got no-delay letter from the Bank. Request you to please look into it ASAP.

Motorcycles & scooterscredit information bureau india [cibil] remove my written off for cibil
Credit information bureau india [cibil] — remove my written off for cibil

1 review
Thavaneesvaran on oct 17, 2018 submit a complaint
I am s. Thavaneesvaran from madurai tamilnadu. I have taken two wheeler loan of 34, 000/- on 29/01/2008 from bajaj finance. Recently my current due amount is o. Oo/- and i am payingh all total payment. But date on 15/10/2018 some what how i have not payment. So now tryingh again for the loan on the same but the bank answer is cibil score is not good. So could check in the issue and update my recent cibil score remove my written off for my need immediatly please sir.
My contact no-[protected]. My pan no-aiypt3403a

I am s.thavaneesvaran from madurai tamilnadu.i have taken two wheeler loan of 34, 000/- on 29/01/2008 from bajaj finance.recently my current due amount is o.oo/- and i am payingh all total payment.but date on 15/10/2018 some what how i have not payment. so now tryingh again for the loan on the same but the bank answer is cibil score is not good. so could check in the issue and update my recent cibil score remove my written off for my need immediatly please sir.

Sir, my name is B Ganesh Nayak, while checking my score in cibil I found one entry which is not related to me, actually that entry is done by Corporation Bank, Mettupalyam branch in which they have mentioned me as gurantear and that loan has become NPA, therefore I request your good selves to go through the matter and do the needful at the earliest, for any reference my email id is [protected]@gmail.com

with regards

I am from davanagere in karnataka state.
I had vehicle loans with iob and both the loans were cleared 5 years back. And oof course there were delays but even after 5 years of complete loan clearance, the cibil rating is showing the 2 accounts on my rating. I had written to the bank's on several times to give me clear chit, but this is due to cibil body it is still appearing on my report.
I was told by several friends that it can be cleared if i pay some fees on each account.
If banks are not in a position to clear this, how can a broker or middle man can do this. I can smell something fishy here.
I need justice here. Please...

Dear Sir/Madem,

We Would like to informyou that I never taken following Home Loan from ANY organization and never given information for joint Holder but it’s showing in my Cibil Reportwhich Wrong.

Please Recheck and Removefrom your History because its effecting my Cibil Report.

LOAN A/C NO.

737240

Thanks &Regards

Krishna

Vestige Marketing Pvt Ltd

(O[protected]Ext- 285)

[protected]

They provided fake offers to me and when they delivered the card i activated that same day and called customer support to get more details for the offer they are providing. They refused for such an offer is not given by them and i requested them to close or dis continue my card. Its been a month that m calling to bank for request to close the card. But they are not closing it.

Dear cibil,

I wish to bring into your notice that there are 2 loans on my name but other details are pertaining to some one else & i have also raised this issue with the respective banks

Attached the mail correspondence for your reference & request you to look into this & clear these from my cibil record, following are the few other details …

Pls feel free to let me know if you want any further information in this regard!!!

Icici personal loan a/c # lpkan[protected]
Kotak personal loan a/c # c16p053170
1
Best regards

Arvind kumar

Phone : [protected]

My name is krishan kumar. Whenever i try to apply credit acrd of any bank its rejected due to low cibil score. I just asked with credit card person said your credit card is rejected is code s5..in that code the reason is due to cibil score is low.. Might be not paying your emi on time or any loan payment or credit acrd payment online. But its not true i just make alll payment all the time doesnt matter its auto loan, personal loan, home credit loan and its happening from last 1 year it keep saying your cibil is low why. I need answer of all this why is got rejected my credit card. I already have 1 credit card with bank its fine. All timely payment.. Why my cibil score is stuck and not increasing..

Dear sir/ mam,
I have to say that i am preeti singh. I
Have applied for housing loan in lic housing finance limited. When my cibil is found in lic housing finance limited there is loan of 2, 14, 220/ rupee which is continue from 27/12/2006, but i have not taken this loan and i am not aware of any of this loan. So, i therefore, request you to verify and correct my cibil and the loan which is shown in my cibil. Please tell me the name of that bank. So i that i can file a complaint against the bank in consumer forum and rectified from my cibil. My kyc and cibil
Copy attach here with.

Thanking you
Preeti singh

Mo.-[protected]
Pan no.- gsops2324k
Adhar no.[protected]

Baar baar preshhan kiya jaa raha hai..12000 ka pakage le lo nahito rote rote aooge... Mai upbhokta forom main case karoonga mai defence mai hoon mera koi track record kharab nahi hai kaise baar baaar dhamki de rahe ho.. Bank k galti hai ye jo update nahi bhejti hai... Agar mera record kharab hua jo dhamki di hai 12000 ka lolipop khilane k koshis k hai sab record hai mere pass. Mai forum mai daloonga

In my CIBIL report 15 digit account number was shown by SCB that i have defaulted around 3.5 lakhs. Term is shown as May'15 to Apr'18 not paid even single emi. It is surely not credit card number. When I filed a dispute recd a mail i won and credit score improved. After 10 days it is rolled back. When I escalated CIBIL said SCB is correct. Ridiculous. CIBIL are not verifying records of the institutions. I started to right mails to SCB customer care. They first send mail and this account could not be retrieved in the system. When sent mail again to SCB they informed 2 difference credit card numbers that I defaulted. It was not mentioned in CIBIL. When I requested for statement, they sent a statement without my address, contact details and no previous records and even last 4 numbers of card number was typed. Previous transaction details were not present in that statement.

Even I have escalated the dispute with CIBIL they say SCB is correct. They couldn't even identify between credit card number and some other number. Now, I have escalated it to the next level of SCB and sent all the mails to CIBIL. But I am not sure whether they will take action against SCB.

I have lost a home loan offer because of this fraud by SCB. God only can save this country from these irresponsible institutions.

regards,
Raghavendran

बैंक के क्रेडिट कार्ड विभाग द्वारा मेरा क्रेडिट कार्ड स्टेटमेंट सही नहीं किया गया अपितु आपके कलेक्शन शाखा द्वारा लगातार
परेशान तथा मानसिक यंत्रणा दी जा रही है 27 अप्रैल 2018 को आपके क्रेडिट कार्ड शाखा द्वारा एक मेल भेजा गया जिसमें यह लिखा गया है कि आप की जो 3 ई एम आई बैंक द्वारा चलाई जा रही थी उसे निरस्त कर दिया गया है तथा ब्याज सहित मई के स्टेटमेंट में जोड़ दिया जाएगा अभी तक उस पर कोई कार्यवाही नहीं की गई 27 अप्रैल को प्राप्त ईमेल के अनुसार मुझे 31197rs. जमा करनी थी जब मैं बैंक जमा करने गया तो मुझे यह कहा गया कि आपको 70000/ जमा करने हैं। जब मैंने ईमेल दिखाया तो यह कहा गया कि अगले स्टेटमेंट में सही हो जाएगा । किंतु अभी तक स्टेटमेंट सही नहीं किया गया यहां तक की मेरा सिविल खराब कर दिया गया। अतः अनुरोध है मेरा स्टेटमेंट सही करवाने के साथ-साथ सिविल सही करवाया जाय।
Awadhesh p. Singh

A loan of Rs 14500.00 is being reflected as overdue for an amount of Rs 11600.00. The said loan bearing account number [protected] in Punjab & Sind Bank, Hyderabad has been adjusted already adjusted on 29.04.2016. Because of this overdue my CIBIL Score is going down. there are chances of me being refused loans in future because of the same.i am planning to avail housing loan and this might hit my creditworthiness. kindly rectify it at the earliest and intimate me the updates.
control number- [protected] dated 20.09.2018

My pan AAJPC3848P but it reflecting on loan account KABNBTSV01393 from company hinduja finance limited but loan is not taken by me but when enquired is showing in the name of C. VENKATARAMAPPA where he has taken the loan mobile number [protected] please remove the loan amount of 413809 which is showing in my pan number which is effectinh my cibil score now