Credit Information Bureau India [CIBIL] Complaints & Reviews

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

Sir/ madam on dt.[protected] a had taken my personal loan amounting rs. 350000 on the same day i. E[protected] the same amount of loan was taken in my name on business sector of agriculture loan which i do not take. And now i m applying housing loan but due to that agriculture loan my score was low and i not able to take the said home loan. So, i therefore request you to kindly see the matter of my problem and recrify the said agriculture loan to reach my score.

My loan saction is getting delayed due to incorrect cibil report.
Please correct it as soon as possible. I have already raise a dispute but no action till today.

One of the personal loan shown in the report is not linked with me. Even one of the address and mobile number is showb wrong in the report. Please correct as a delay in loan sanction will cost me penalty by the builder and the wrong report will cost me 20000 bucks.

Controller number of cibil : 2, 28, 11, 14, 271
Pan number :arnpa9602l

I have only two a/c for loan one in hdfc bank loan a/c 45635667 personal loan and another one in punjab national bank against security but in online credit score show in more and more a/c add in my credit score so please remove all of them in my credit score except my two loan account.
i have many times call him but they cant help me

due to cibil report my credit worthyness affected and no any bank do not give me loan because this report show my negativ record when no any account in sbi, rbl, axis, syndicate, kotak, bajaj finance, central bank of india, icici, indusind bank, capital first, city bank, and only one account running in hdfc but seventeen account show in my name and account

Respected

Director sir

I am facing lot of problem regarding my cibil reports. My cibil reports intermix with another personality who lives in delhi.
My pan number is bcqpk9517h
Name pardeep kumar allotted in
The my name.
Address - bokaro jharkhand
I am shocked when i apply for loan in bank of india bank manger is told me your cibil score is very poor in my cibil report showing lot of loan and credit card allotted. I have never taken any lone which showing in my cibil report.
Since i am facing lot of problem. As per cibil report
Bank had not grant me loan as per cibil report.
I request you kindly help in this issue.
Warm regards
Pardeep kumar
Pan no - bcqpk9517h
Address - bokaro jharkhand
Mobile no [protected]
Thanks you

Dear Sir,
My Mother Shashi Prabha Never Took home Loan From Ujjivan financial services pvt ltd.. but when i check her Cibil Score a home loan by Ujjivan finance is showing.on same day when we got loan from Utkarsh Micro finance bank. i called to Ujjivan bank to know About it but they reffered to you regarding this.please solve this and help us to get clear from it...

I have raised a online dispute on[protected] but no response is received yet.
I am trying continuously for communication but no officials want to contact with me.
T have a rs. 3000 for the purpose of ccr for removing wrong account showing my cibil report. And the said cibil report would get expired on[protected].
If a earliest responce will not provided then my repoty would get expired.

Dear Team,

My Self S SINDHU KUMAR SUKUMARAN, I have taken Canara Bank budget loan 3rd March 2014, loan amount 130000/- tenure 36 month but I have one problem with me, I am unable pay some of the payment on time. So that is why my cibil score very drop and loan was seeing* Written Off*

But after that I settled the fully payment dated 27 December 2017
I want to update the record in my Cibil, Please remove the status Written off in my Record.

Sir i am mahabir singh my pan no. Axgps2159d, i am aplly the home loan in lic jind branch but my cibil score bad match why show is my nane icici bank loan 06/01/2010 but i do not take any loan in icici bank. This a/c no. Show ebdel[protected]. Sir plj remove tha my problem urgently. I am went the icici bank jind branch but not show this account detail. This account is allready closed. Plj take the action urgntly.

Dear sir,
I have close my axis bank credit card ending 3893 in march 2015 .AND payment is all clear and extra credit of amount 78.83 rupees .and i want to noc for this credit card then customer care says that yoy pay 10000rs and above then give me noc for this card. plz help me regarding this problem.
My last statement and payment is attatched with file.
my cont number - [protected]
email : [protected]@gmail.com

I have not taken any lone in any bank only i have been the guardian for my wife educational loan but the cibil score for my account is chowing less how to correct it. My account is with state bank of mysore now it is taken over by state bank of mysore, the manager says that is the problem when the bank got taken over to other so the problem wil be solved in few days but not happned since 3 months.

Believing it's a sacrosanct, i applied for 2 cibil reports, and paid 800/-. As soon as amount was paid, their site was not functional.

So i have no password, that's usually comes with registration. Numerous attempts to get userid / password, with tele team, twitter team yielded nothing, surprisingly.

One fine day, i got 1st report, which is full of errors. I tried to raise a dispute reg the same, on their website, but it asks for userid/password, and there everything stops. Using forgot password also did not help.

So i'm left with no report, no user id/ password, nor the money was refunded.

Wondering is this the organisation, every one in the financial world talk about. They have no competence, nor a serving attitude.

At the onset, it is hereby declared that my client has been a patron of your services since the year 2014 vide a/c no. [protected] and credit card no. _ 489377xx xxxx 3920 without any form of disagreement or dispute from either side as regards the services rendered at any point in time.

However, since may, 2016 due to reasons that do not concern the bank, my client had not availed the services of the credit card mentioned earlier. Having said that, my client had however diligently paid the rental charges of such credit card since june, 2015 till august, 2017.

During september, 2017, my client wrote to your grievance cell which had been duly received, regarding clarification on the reason behind the bank charging autopay reversal charges and “non-payment charges” along with the rental amount and other ancillary charges. It had been a clear oversight on the part of the bank as the minimum amount to be paid as indicated by the bill was punctiliously paid and received by the bank before the due date for making payment. Hence, it can be ascertained that the bank had in fact falsely charged my client the “non payment - autopay reversal charges” over a period of more that 27 months.

Such facts were brought to light by my client through her mail to the grievance cell for the first time in september, 2017, after having paid an amount in excess of the actual amount that should have been paid, for a continuous period of 27 months. Even after such clear facts were brought to the attention of one mr. Manikandan s, manager - grievance cell correspondence, hdfc bank, no action or rectification was adopted by the bank to redress the issue raised by my client for a period of 4 months.

A cryptic response was received by my client after 4 months from the date of my client’s complaint, from the manager - grievance cell correspondence, hdfc bank citing that all outstanding dues were required to be paid by my client at the earliest possible instance to avoid levy of charges in future. Such reply clearly indicates the non-application of mind of the concerned person while replying to official correspondence and furthermore the non-inclination of the customer grievance cell to amicable resolve issues of the customers, being contradictory to the very existence for which the cell stands for. A copy of such email dated january 02, 2018 is enclosed herewith for your perusal.

It had further come to pass, that by a telephonic communication from a member the bank’s grievance cell it was informed to my client that a sum of rs.8, 000/- would be refunded to my client in furtherance to the wrongful charges that were claimed by the bank in their bills. However, with the passage of time, such amount was never refunded and though a telephonic conversation it was informed that the amount to be refunded was revised to rs.2, 500/-. The basis on which such reduction was made nor the intent of the refund was never explained or conveyed to my client thereby making the entire endeavour fruitless and unacceptable under any circumstance. No reply in this regard was ever received by my client even after such fact was appraised to the concerned authorities of the bank via an email dated january 11, 2018. A copy of such letter in enclosed herewith for your perusal.

Moreover, my client is being harassed over telephone to make payment of the remainder amount which is allegedly due with the bank in regard to the said credit card. Such action of the bank is unacceptable and in contradiction to the guidelines as laid down the reserve bank of india from time to time. It is a well accepted fact that the bank cannot make demands upon the customer unless the grievances in regard to the amount allegedly claimed is addressed, settled and explained.

In light of the above circumstances, it has been urged by my client on several occasions that the account be closed and the alleged claim be settled at a mutually agreeable amount due to the fact that even after making payment on a regular and continuous basis, the bank has unfairly and arbitrarily charged amounts in excess of the actual amount that fell due. Such action of the bank is violative of the rbi guidelines and also amounts to negligence and fraud committed.

At the last instance, it was urged by my client that the alleged dues with the bank be settled for a sum of rs.10, 000/- and the account be closed immediately. However, no response in this regard has been received from the bank till date. The stance of the bank has been wrongful, non-cooperative, arbitrary and negligent towards my client and unless a proper and amicable settlement is achieved within a period of 15 days from receipt of this legal notice, my client shall not have any option but to approach the appropriate forum for redressal.

Surprising to note and know that the particular corporate is collecting the information of financial institutes and banks. Of india
- what ever the information is provided by them it is considered true and fair.
- they should report to the finance and revenue dept, that the financial institutes and banks are charging abnormal rate of interest which effects to small consumers and customers - i.E. Rate of interest charged by them ranging from 40% to 50% per annum. And small customers of bharat are not aware of this - ultimately their accounts become bad and non-performing. So that the credential of the customers are going down and they are not able to utilize their energy in productive manner. Ultimately it resulted into increase o[censored]nemployment.
- the reserve bank of india has also no control over the policy and regulation regarding the interest charged by the financial institutes. Rbi has informed that they have their own policy and system of charging the cost of finance.
- the cibil has to report this information to revenue and finance dept and other relevant authority to reduce the defaulters and effects to small customers.
- all the financial institutes and banks are considering the information report provided of customers - as supreme court judgement. Whether it is wrong or right.
- the cibil corporate body is just collecting information from the financial institutes and bank - they are not making cross check with customers.
In my case the information provided by the best nationalized banks - i.E. Sbi and pnb - that the accounts are already closed regularly before 7 to 8 years - it show in cibil report as overdue balance. How it is correct information provided by the bank. The cibil has to cross check with customers with proper supporting documents .
The details are provided below:
member name : dena bank opened - 12.10.20006 - sanctioned - 550000 - auto loan - you have shown current balance is rs. 161195/- - really there is no words to described about the administration -
- pl confirm with the member - it has several time reported and informed to your administration - but no actions are initiated by administration - the policy of your administration could not understood - improve your policy of admn and correct the report immly
2. Member name - not disclosed - but it punjab national bank - aa road, vadodara - gujarat
account opened - 04.08.2014 - current balance - 215 - overdue - 215
it is surprising information noted in the report - it has also been informed and reported by the member several times but your admn has not taken care to improve or correct the same - really we appreciate - the very good administration of the big corporate information body- which is mistaking in very criteria - once again i request you to improve you admn - give proper justice to the customers

Dear sir,
I am koneti krishnaveni, and taken loan from andhra bank and paid completelly, and loan get closed in 2017, but not updated in cbil, due to this crdit score get effected, and we have taken gold loans from canara bank, and paid fully nearly year back. Cbil score providing worst information.
Name: koneti krishnaveni
Pan :ffspk3397j.

Sir,
Even we paid loan nearly a year back, but not updated, please update my incormation and we have contacted to the branch, they updated score

Hi,

This is very serious issue. Recently, i have applied home loan in LIC. From bank verification, one two wheeler loan is taken against my name with my proof on 11/11/2009. The loan taken for other person using my documents.

I was used my brother bike in the period and i was surprised when bank was doing inquiring about this. I found this issue through cibil report.

Now, i am legally filing this case with proper approval. Please take a necessary action to close this issues.

Respected sir/madaam
The loan no 1279327
And loan no. 1285196
By capital first limited
From the rohit electronic world ludhiana
Cont no [protected]
And the loan no pll05448h
From indusind bank limited

The above mentioned are not my loan nor i’m co borrower in the either case

Therefore verify it and get those removed from my credit report.
For more please call me [protected]
Regards
Deepak kumar
Muktsar 152026

Madaan

Myself Vishal Sood. In my CIBIL report it's showing 7 late payment of SBI loan instalment and due to which my score goes low. I have contacted bank they are saying it's by bank's error and they will refund late emi charges and they r ready to give me loan statement with no delayed payments.But they cannot help me in CIBIL score. So how I should contact CIBIL for this.plz help me.