Credit Information Bureau India [CIBIL] Complaints & Reviews

I am sanjay kumar s/o shri jagan nath kakkar h. No 55. Vip colony ladwa district kurukshetra, haryana
My pan no adtpk7320b

Ther is a loan of rs 200000 in my cibil account by name of sanjay kumar s/o sahab singh ward no.5 vikas nagar, ladwa, haryana

There is no link of this loan with me and the other person is not paying installments. And this is affecting my cibil score because the other person is not paying installments of that loan,

Please remove this loan from my pan account as i do not have any link with this loan

This is in regards to subject matter, recently i had applied for pl from hdfc bank, i have been associated with hdfc since last 18 yrs. I have always maintained good credit history but this time when i applied, i was told that my cibil credit score is 655 and there is a default against me for non payment of loan which is appended below.

And this was news to me as taking a loan of rs. 01 lacs and defaulting and tht too from a gramin bank. I investigated the matter and visited gramin bank and found out that this laon is not taken by me but isin the name of some deepak sharma (My name is also deepak sharma) his fathers name is different then mine and no pan card is mentioned, his address is different.

Now coming to you how can you put this is my name?
How did you arrieved to this conclusion? Or is it that business of your that you creat this confusion and than for rectifying the same you ask for money.

Before i take up this matter on social media please respond and correct your misdoing.

My cellphone no is [protected]

Cmpgb
Business loan – priority sector – others
[protected]
Individual
Account details

Payment status
Credit limit
-
Sanctioned amount
1, 00, 000
Current balance
56, 562
Cash limit
-
Amount overdue
5, 663
Rate of interest
11.50
Repayment tenure
60
Emi amount
-
Payment frequency
Monthly
Actual payment amount
690
Date opened / disbursed
-
Date closed
-
Date of last payment
22/02/2013
Date reported and certified
21/01/2016
Value of collateral
60, 000
Type of collateral
Property
Suit - filed / willful default
-
Written-off status
-
Written-off amount (Total)
-
Written-off amount (Principal)
-
Settlement amount

Dear team,

The cibil report retrieved online from your website (After paying rs. 550), has incorrect personal details. This is thus bringing down my overall score.

Details as per cibil record:
Name: arun kumar yadav
Pan no. : cmhpk4173m
Voter id : gmj1692671

Correct personal details are:
Name: arun kumar
Pan no. : cmhpk4173m
Voter id : nwd4219448

Residence address mentioned does not match with my present residence address.

Have never taken any tractor loan from jdfipl (As guarantor) or tractor loan from mahindra finance (As individual)

Regards

Arun kumar
[protected]
[protected]@gmail.com

Respected sir / madam / ms.

Very unpleasantly, wanted to bring into your notice that i gajendra pratap singh, have taken couple of loans from different financial institution (Details attached) to meet my requirements.

Due to certain financial crunches in the past, few of the ecss / payments got bounced; however, i cleared / paid them with respective penalty charges.

For last 4 months, there is no default; as per best of my information; still the cibil score has not improved.

I tried enquiring the same through cibil team by writing to them (Email enclosed) and calling them; i didn’t get satisfactory response.

As a genuine common consumer, my enquiries are very basic and are pretty rightful.

However, cibil; who decides the fate of any consumer by maintaining the credit score of the consumers; cibil, who are the “custodians” of the defaults and the payment records; are not able to educate me on the basic logic of the scores getting improved or getting down.

Please see the email trail, where i have written to cibil and the kind of response cibil has given. Absolutely, no sense / meaning to what i have asked...!

My simple queries are:-

1. How much point i loose per default?
2. How much point i score per timely payment?
3. How much time it should take to re-correct my credit score?

I am very hopeful that you will be able to answer my above queries and also let me know the process of filling rti to cibil for this; since, cibil is being governed by rbi only.


Yours sincerely,

Gajendra pratap singh
+91-[protected]

I lost my citi bank credit card on date 12/09/2015. I have fir copy too. I called the bank and informed the incident and told them to close. They agreed for that but after few months i started getting holding charge amount bill. When i informed them that i lost it long back, they kept sending the bills despite regular information that i don't hold the card anymore.

In the year 2002 i got a SCB credit card and i was close on 2006 i was never taken any credit card loan but in cibil report showing Rs15lakh loan how can it was possible on that time my credit lmit is only just Rs11thousand how can i take such a big amount. You people reporting wrong and check once again or may be reflecting my name with somebody what ever i need my report correct. Due to my bad report i am not able to get housing loan. I need my correct report with in 3days otherwise i will give complaint against you.

There is sbi credit card reflecting under my name and i have never used that card, i have raised a dispute for the same, they have repliyed me that no change, i m facing problem in my home loan and my cibil is low, they have linked that sbi card to my cibil is due to incorrect dob when they have my pan number with them, they should have my correct dob with them my dispute number is-cds[protected]
I am not at all satisfied with the cibil resolution they should do the full enq... And then link anything to anyones a/c i am not able to contact sbi as that card is not on my name... I have made the outstanding payment for the credit card which was actully not on my name
At lest this month i wont get a hit on my cibil... If this issue is nit resolved i will definitely going to take this matter to court
I am not sure who's mistake it is cibil or sbi i need the resolution that's it

This is with regards to the cibil score is not correct that is being generated with control number [protected] due to incorrect loan data in your records. As per your data i have an outstanding loan to be paid which is affecting my score and future loan interest rates. Actually i have cleared all my loans in respective banks and have no over dues.
Please find my loan clearance certificate attached to email provided by manager of respective bank. I request you to update the relevant data in your records at your earliest convenience.
Please let me know in case of any queries.
Thanking you
Sk. Gouse basha
[protected]@gmial.com
Ph no: [protected]

I applying for credit facilities with many banks from last two year but they denied such services due to cibil report. then i obtain my cibil report and checked it. It contains my PAN NO. which is correct but other information like (D.O.B., Phone no., and out of 36 accounts 35 are wrong accounts which are related with different loans and credit cards o[censored]nknown persons.) due to such misleading report I faced many losses in past which bore by me due to cibil negligence. I had only one car loan since 2013, which was paid accordingly without any delay. so, I had no default on my end ever but face critical finacial problems due to misused my account threw cibil by default people. please check same and correct my cibil account accordingly as soon as possible to stop my future losses.

My PAN NO. CFAPS2178L.
[protected]@gmail.com

I kalyan singh bhatia dob[protected] pan - ahkpb8045r uid[protected] hereby submit that my credit report is wrongly projected in as much as the following discrepancies noticed / observed at the time of my consumer loan application before state bank of india :- i never had any agriculture loan from any bank or any financial institution. But cibil report is showing willful defaulter. An other loan open date[protected] is showing rs 1433/- written off and in both the loan accounts the member name is showing not disclosed.
In this connection i would like to inform you that i am a employee of state bank of india (Now retired) as per service conditions out side borrowing is not allowed. Therefore you are requested to rectify this wrong projections / misleading information/ report be rectified and a confirmation to this effect be sent to me for my records.

I, HARIHARAN VISWANATHAN with DOB 26/11/1980 holding PAN ABUPH2907G hereby submit that my credit report is wrongly projected in as much as the following discrepancies noticed / observed at the time of my housing loan application before India Bulls HFC:-

1. The address GF2, Ramani ShantiNiketan, Flats 12, Shanmugam Road, R S Puram, Coimbatore 641002 - never ever belonged to me at any point of time and it is wrongly shown in my name and the credit report is wrongly projected as :-

a. I never had any loan in SBI with A/c No.[protected] for Rs. 15, 00, 000/- as shown in the report as well I do not have any collateral security to give for this loan. On enquiry with SBI Coimbatore it is learnt that the borrower name is also HARIHARAN but not me.

b. Similarly, another A/c No.[protected] of SBI for business loan-priority sector small business is also not pertaining to me and it is shown wrongly on my credit report.
Surprisingly, the credit report repeatedly showing this loans which are not availed by me at any point of time and wrongly projected against my references.

It is therefore requested that immediate intervention to rectify this wrong projections / misleading information/ report be rectified and a confirmation to this effect be sent to me for my records.

09 may 2018

Dear sir,

I am a military veteran. My name is wing commander pradeep chawla. I hold only one credit card of citi bank (Earlier called citi bank indian air force card) since the last 25 years. I have never ever faulted on my payments. Being a military officer i believe that my reputation & credit score must be excellent at all times. You can check my record from this bank.

In cibilscore there is an unpaid amount of rs 3147 being shown against my name. This needs to be removed in totality as i have never ever kept any amount unpaid to any one in life.

While in mumbai, during 2008-09, i was provided another citi bank card, free of cost, in a promotion drive, by their sales & marketing staff. However, to my horror, at the end of the year, the bank had forwarded the card-charges for the same. I had felt deceived and had taken up with the citi bank customer care telephonically and they had waived off the same. Thereafter, i had discontinued this card and continued to use my earlier card issued by citi bank (Indian air force citi bank card).

I feel pained when i find, to my horror, that a non-payment of rs 3147 continues to reflect against my name even today. This hurts me a lot. As an indian air force veteran and a good citizen, i humbly request you to remove the reflection of this unfair and uncalled for small amount from my cibil score /record.

I testify, as a military veteran, that i am reflecting the 'truth' and i owe not even a rupee to anyone in this country or abroad.

Please respect my honest background and keep my image 'clean' in your records. It hurts and haunts me.

Please acknowledge.

Best wishes,

Jai hind!

Pradeep chawla
Wing commander
Indian air force veteran

Mobile: [protected] /[protected]
Email: [protected]@yahoo.co.in

Kindly remove the account no 11 bussiness agriculture loan from my cibil. As these loan was not taken by me so please remove my details from this account in cibil. I face many problem for this case.in this case my other loan is not passes from bank. I face this problem from last 6 months. So please removed this account detail and correct it as soon as possible.

Personal details of the consumer

Name : thirumurugan a

D. O. B :16/06/1989

Gender : male

Address : no 56 s. P. Sathiram kennady nagar
Puducherry 605001

Mobile no : [protected]

Email :[protected]@gmail.com

Id proof no : ammpt6592j

Account identifies

Control no :[protected]

Date open : 31/03/2016

Account type : bussiness loan agriculture

Current bal : 16000

Amt overdue : 20504

Hi,
My name is gulshan sharma
Recently i have applied personal loan.
But bank decline my file because some unsuspected outstanding showing in my cibil report. I don’t have 172000 rupees credit card.

172000/- credit card outstanding showing in my cibil report.

I have only sbi card 196000/- limit, some other card also but card limit less then 140000/-.

Please review my cibil scored and update my correct file.
Name - gulshan sharma
Pan - fkgps0331r
Mobile num-[protected]
Mail id - [protected]@gmail.com

Request to you please resolved my issue asap.

Regards
Gulshan sharma
[protected]

My cibil score is low due to the following account that appears on my name. This isnt mine and when i try raising a dispute, the website gives an error "account not found"

Member name: citibank
Account type: overdraft
Account number: [protected]
Ownership: individual

I don’t own this account and in fact have never had any overdraft account with citibank or any bank.

Need to make the correction asap.

My credit card application got declined by amex and the cibil report provided by them had a credit score of 6xx and these 2 issues:

1. Presence of a tradeline 91+ days delinquent 13 or more months ago.
2. Presence of severe delinquency in the past 6 months

I paid 1200 on the cibil site for my credit report. This fresh report (Generated 2 days after the amex report) had a score of 7xx and no such issues at all. I make my payments on time and there is delinquency that i can see

Why is cibil providing 2 different scores for the same period? One for customers and other for banks. This is fraud (Taking money and providing wrong scores) and scam. Is there any explanation for this?

This is to bring your kind notice that i have bought tataindigo car from concorde motor parpadganj on 15th feb 2017 which was financed by tata motor finance for 4 year and along with that i have been misguided by tata representative (Concorde motor) to take the insurance amount loan also and it will be added, in that particular loan amount itself and we dont have to pay any single penny in term of insurance amount against the car for next 4 years but now as 2 nd year insurance has been renewed this year, tata motors finance has renewed it with the amount of wooping 36000 approx rs as insurance amount, which i feel is unjustified as 1st year insurance premium was 27000 and from 2nd year idv value has been reduced and amount of insurance has been increased by 10000rs this year which i feel should be the total premium of insurance amount as per the value of car, i feel totally cheated by tata motor finance as without intimating there client about the renewal insurance amount they are renewing it on our behalf without our knowledge that too with higher insurance amount than the actual market price of insurance renewal amount, so i request you to kindly do the needfull in this matter otherwise i will be bound to follow with the legal course.

I am attaching my this year insurance policy and previous year policy document for your refrence

My loan number is:[protected]

सेवा मे, दिनाँक :-18.04.2018

मैनेजर
ट्रांस यूनियन सी आइ बी आइ ल लिमिटेड,
वन इंडिया बुल्स सेंटर, टावर 2 ए,
19th फ्लोर, सेनापति बपत मार्ग,
एल्फिनस्टोन रोड, मुंबई -400013

विषय:- मेरी क्रेडिट वेलनेस्स रिपोर्ट मे किसी अन्य के लोन एवं क्रेडिट कार्ड खाता लिंक होने के संबंध मे

श्रीमान जी,
निवेदन यह है कि मै (प्रवीन कुमार पुत्र सतबीर सिंह, गाँव व डाकघर कंवाली, जिला सोनीपत हरियाणा -131403) क्रेडिट वेलनेस्स रिपोर्ट मे किसी अन्य के लोन एवं क्रेडिट कार्ड खाता म्रेरी क्रेडिट रिपोर्ट मे लिंक है जिसके कारण मेरी छवि खराब हो रही है आपसे अनुरोध है कि मेरी रिपोर्ट ठीक की जाए । जो खाते मेरी क्रेडिट रिपोर्ट मे दिखाई दे रहे है उनसे मेरा कोई लेना देना नहीं है उन खातो का विवरण निम्न लिखित है:-

अति स्वेन्दन शील खाते
क्रमांक संख्या बैंक खाता संख्या

01 एसबीआई कार्ड (SBI) xxxx2591
02 एसबीआई कार्ड (SBI) xxxx3394
03 कोटक (KOTAK ) xxxx2090
04 आईसीआईसीआई (ICICI) xxxx6041
05 आईसीआईसीआई (ICICI) xxxx2856
06 एचडीएफ़सी बैंक (HDFC) xxxx3382

क्रमांक संख्या बैंक खाता संख्या
01 एसबीआई कार्ड (SBI) xxxx1720
02 एसबीआई कार्ड (SBI) xxxx0966
03 एसबीआई कार्ड (SBI) xxxx5762
04 एसबीआई कार्ड (SBI) xxxx6931
05 एसबीआई कार्ड (SBI) xxxx3885
06 एसबीआई (SBI) xxxx4741
07 एसबीआई (SBI) xxxx1677
08 एसबीआई (SBI) xxxx0336
क्रमांक संख्या बैंक खाता संख्या
09 एसबीआई (SBI) xxxx8371
10 एसबीआई (SBI) xxxx4588
11 एसबीआई (SBI) xxxx1536
12 एसबीआई (SBI) xxxx4903
13 एसबीआई (SBI) xxxx7156

14 आईसीआईसीआई (ICICI) xxxx3171
15 आईसीआईसीआई (ICICI) xxxx8393
16 आईसीआईसीआई (ICICI) xxxx2903
17 आईसीआईसीआई (ICICI) xxxx6265
18 आईसीआईसीआई (ICICI) xxxx7527

19 एचडीएफ़सी बैंक (HDFC) xxxx3382
20 एचडीएफ़सी बैंक (HDFC) xxxx4377
21 एचडीएफ़सी बैंक (HDFC) xxxx1831
22 एचडीएफ़सी बैंक (HDFC) xxxx0128
23 एचडीएफ़सी बैंक (HDFC) xxxx6397
24 एचडीएफ़सी बैंक (HDFC) xxxx5667
25 एचडीएफ़सी बैंक (HDFC) xxxx4755
26 एचडीएफ़सी बैंक (HDFC) xxxx4254
27 एचडीएफ़सी बैंक (HDFC) xxxx1052
28 एचडीएफ़सी बैंक (HDFC) xxxx4915
29 एचडीएफ़सी बैंक कार्ड (HDFC) xxxx5694
30 एचडीएफ़सी बैंक कार्ड (HDFC) xxxx5911
31 एचडीएफ़सी बैंक कार्ड (HDFC) xxxx2361
32 एचडीएफ़सी बैंक कार्ड (HDFC) xxxx6397
33 एचडीएफ़सी बैंक कार्ड (HDFC) xxxx2259
34 एचडीएफ़सी बैंक कार्ड (HDFC) xxxx6540

35 सिंडिकेट बैंक (SYNDICATE BANK) xxxx97-1
36 सिंडिकेट बैंक (SYNDICATE BANK) xxxx97-0

37 सेंट्रल बैंक ऑफ इंडिया (CBI) xxxx1374

क्रमांक संख्या बैंक खाता संख्या

38 अकसीस बैंक (AXIS BANK) xxxx5975
39 अकसीस बैंक (AXIS BANK) xxxx4136

40 INDUSIND BANK xxxx315H
41 INDUSIND BANK xxxx162H

43 CAPITAL FIRST xxxx1154

44 CITY BANK xxxx7009

45 BAJAJ FINANCE xxxx0889
46 BAJAJ FINANCE xxxx5460
47 BAJAJ FINANCE xxxx9012
48 BAJAJ FINANCE xxxx5956
49 BAJAJ FINANCE xxxx1539
50 BAJAJ FINANCE xxxx4393
51 BAJAJ FINANCE xxxx7689
52 BAJAJ FINANCE xxxx0820
53 BAJAJ FINANCE xxxx1179
54 BAJAJ FINANCE xxxx0679
55 BAJAJ FINANCE xxxx5099
56 BAJAJ FINANCE xxxx2085
57 BAJAJ FINANCE xxxx7670
58 BAJAJ FINANCE xxxx7389
59 BAJAJ FINANCE xxxx4797
60 BAJAJ FINANCE xxxx2727
61 BAJAJ FINANCE xxxx7694
62 BAJAJ FINANCE xxxx6071
63 BAJAJ FINANCE xxxx8379
64 BAJAJ FINANCE xxxx9595
65 BAJAJ FINANCE xxxx5548
66 BAJAJ FINANCE xxxx6254
67 BAJAJ FINANCE xxxx9462
क्रमांक संख्या बैंक खाता संख्या

68 BAJAJ FINANCE xxxx0911
69 BAJAJ FINANCE xxxx2538
70 BAJAJ FINANCE xxxx2381

उपरलिखित लोन खाते एवं क्रेडिट कार्ड खाते मेरे क्रेडिट वर्दीनेस को खराब कर रहे है इसलिए आपसे अनुरोध है की इन सभी खातो को मेरी क्रेडिट रिपोर्ट से हटाया जाए

धन्यवाद

भवदीय

प्रवीन कुमार S/o श्री सतबीर सिंह,
गाँव एवं डाकघर – कंवाली
जिला- सोनीपत (हरियाणा)
पिन- 131403
दूरभाष संख्या :- [protected]
पैन नंबर :- BGNPP0259A

प्रतिलिपि :-
1 वरिष्ठ प्रबन्धक, स्टेट बैंक ऑफ इंडिया, लोकल हैड ऑफिस, सैक्टर- 17B, चंडीगढ़-160017
2 वरिष्ठ प्रबन्धक, स्टेट बैंक ऑफ इंडिया, लोकल हैड ऑफिस, 11 संसद मार्ग, न्यू दिल्ली-110001
3 General Manager, SBI Card, Correspondence Dept. DLF Infinity Tower, Tower-C, 10-12 Floor, Block 2, Bldg-3, DLF Cyber City Gurgaon-122002
4 वरिष्ठ प्रबन्धक, कोटक महिंद्रा बैंक, ज़ोन-2, बिल्डिंग नंबर-21, इंफिनिटी पार्क, जनरल ए के वैध मार्ग, मालद ईस्ट, मुंबई-400097
5 वरिष्ठ प्रबन्धक, एचडीएफ़सी (HDFC) बैंक लिमिटेड, एचडीएफ़सी बैंक हाउस सेनापति बपत मार्ग, लोअर परेल वेस्ट, मुंबई-400013
6 वरिष्ठ प्रबन्धक, आईसीआईसीआई (ICICI) बैंक लिमिटेड, आईसीआईसीआई बैंक टावर, बांद्रा – कुर्ला कॉम्प्लेक्स, मुंबई-400051
7 वरिष्ठ प्रबन्धक, आईसीआईसीआई (ICICI) बैंक लिमिटेड, आईसीआईसीआई फोन बैंकिंग सेंटर, आईसीआईसीआई बैंक टावर, 7th फ्लोर, सर्वे नंबर-115/27, प्लॉट नंबर -12 नानकरामगुड़ा सेरिलीङ्गंपल्ली, हैदराबाद- 500032
8 वरिष्ठ प्रबन्धक, सिंडिकेट बैंक (SYNDICATE BANK), 428, रावल बिल्डिंग नंबर-1, 1एसटी फ्लोर, opp Indusland bank, डी. बी मार्ग, (लमिंग्टन रोड) मुंबई-400004
9 वरिष्ठ प्रबन्धक, सेंट्रल बैंक ऑफ इंडिया (CBI), चंदर मुखी, नरीमन पॉइंट, मुंबई-400021
10 वरिष्ठ प्रबन्धक, अकसीस बैंक (AXIS BANK) लिमिटेड, Axis House, वाडिया इंटरनेशनल सेंटर, पांडुरंग बुढकर मार्ग, वर्ली, मुंबई- 400025
11 वरिष्ठ प्रबन्धक, INDUSIND BANK, सुदेर्शन बिल्डिंग, ओल्ड नंबर-86, न्यू नंबर-92, चेन्नई-600018
12 वरिष्ठ प्रबन्धक, INDUSIND BANK, 10/373, नामा टावर, अनन्तपुर-515001
13 वरिष्ठ प्रबन्धक, INDUSIND BANK, 8th फ्लोर टावर-1, वन इंडियाबुल्स सेंटर, मुंबई-400013
14 वरिष्ठ प्रबन्धक, कैपिटल फ़र्स्ट लिमिटेड, वन इंडियाबुल्स सेंटर, टावर-2 A & 2 B, सेनापति बपत मार्ग, लोअर परेल वेस्ट, मुंबई-400013
15 वरिष्ठ प्रबन्धक, सिटि बैंक पोस्ट बॉक्स नंबर-4830, अन्ना सलाई पोस्ट ऑफिस, चेन्नई -600002
16 वरिष्ठ प्रबन्धक, बजाज फ़ाइनेंस लिमिटेड, 4th फ्लोर, बजाज फिन्सेर्व कॉर्पोरेट ऑफिस, ऑफ पुणे अहमदनगर रोड, विमान नगर, पुणे-411014
17 वरिष्ठ प्रबन्धक, RBL BANK, 8th फ्लोर टावर-2 B, 841, वन इंडियाबुल्स सेंटर, मुंबई-400013

My name is harendra kumar, from jahanabad.
Cibil contraol no-[protected]
Dispute id-cds[protected]
Dispute id-cds[protected]
Service request number 41672778
Your escalation has been successfully recorded.
Your online grievance id is gr[protected]. You will get a response to your issue within 15 business days
The problem is since last one year i am tired to complaining cibil to remove wrong dob and voter id and wrong addresss from my cibil report, but one in responsible to remove these wrong entries and i am only getting welcome mail thank you, your dispute id is generated.
My name-harendra kumar
Dob is[protected]
Voter id-xmx0354498
Address - village dhongra, giggy, jahanabad gingy, city jahanabad, state bihar. Pin 804406
My question is how much i have to raise a dispute to remove these small things from my cibil report.
Do this correction within one week on higher priority, otherwisw i'll contact you mr satish pillai. Then i'll show how a man can get irritate with hypertension like me. Now its an order because i am your customer. So do as soon as possible as you can i dont have such time to waste more.
Follow my each dispute id whatever i provided you.
Regards
Harendra kumar
[protected]
[protected]@gmail.com

Dear sir
Inform to you one your credit card holder name priyanka shukla. She already fraud 3 bank. She is every time change unlegal paper behafe issue credit bank and loan. And not summited loan aur credit card bill. Your bank send legal notice my address. But this girl already left two month before office. She is change mobile no. Please call this girl for payment [protected] this no his hasband no girl no [protected] no collection agent send my address. She is alrady not paid kotak card payment and hdfc card payment. She very big fraud. Allrady he given new crdit card axis bank. Please check urgent base. Other wise she again fraud