Credit Information Bureau India [CIBIL] Complaints & Reviews

Hi,
My self vani k working in indian overseas bank as manager and taken several loan and all the loan are regular no overdue. Presently am over outstanding loan of rs. 6039/- only but cibil report show o/s as 941853/- and staff cash credit is having rs.663382/- credit balance is shown as debit balance. And staff cash credit account closed in the 2014, is showing o/s of rs.272432/- hence i am getting very low score of 668.in spite regular repayment of loan why i am getting less score. Kindly rectify the report and give me reason for low score.

I was having a loan account with punjab and sind bank since 2015, whose payment was regular still it was showing overdue in cibil report.

Now my loan account has been closed in the month of jan 2017. Still cibil report is showing overdue by rs. 601.00 and current balance as zero (0).

According to me my cibil score is not up to the mark. Please solve this issue at the earliest so that my cibil score gets improved.

Dear sir,
My name is birendra jha, working at sbi as chief manager. I have taken several loan from sbi and installment of each loan is deducted every month without fail from my salary. But in my cibil report status of my loan a/cs [protected], [protected] &[protected] are shown as 'suit filled' in spite of asset classification of these a/cs are shown as 'standard'. Cibil score is also 832 which is good enough. I don't know how & why these a/cs are wrongly put into 'suit filled' status and how to correct it.
Please guide me as this is a highly embarrassing situation for me and my son is debarred to join sbi on this only ground when he called for joining.
Yours faithfully,
Birendra jha,
Mo.-[protected]
Pan : acipj3545p
E-mail : [protected]@gmail.com

Sir, today i found that some wrong loan in the status of guarantor are shown in my cibil report. The amount of one sanctioned loan is 3, 79, 00, 000/- and other details of loan also attached. These loans are not pertain to me. Whereas i have not given any guarantee till date. You are requested to rectify my cibil report as soon as possible.

Thanks
Meena yadav

Dear sir
Last week i have applied for a personal loan in icici bank. But bank has denied me saying i have got already loan of rs 4.0 lac, and 1.0 lac on 20 jan 2016. But i have never applied for a loan before or never got a loan from any bank. Please help me to remove the loan from my cibil. My name is sukhdev singh s/o sh mohinder singh pancard no bftps3448p

Dear sir,

I had applied for students loan for my son from sbi ashoknagar branch, ranchi. The cibil report indicated that some person with my name but different fathers name and dob on pan has defaulted on several loans resulting in my poor cibil score.

I raised a dispute with cibil on 29/08/17 (Photo attached) to rectify the mistake and stop the fraud but haven’t got any reply.

Please intervene.

Regards,

Sqn ldr manish kumar

Hcfc bank has provided me a credit card, subsequently without the knowledge of me it has purchased a insurance policy, so i got surprised and contacted hdfc ban. The representative instead of finding solution to my problem it has created problem for me by putting civil scores in my name which is serious in nature. I therefore kindly look into the matter on urgent basis and to take needful action to withdraw civil against my name.

Pradeep ku mahapatra
Mobno [protected]

Hi i have paid for half yearly subscription for my cibil report, but they have gave only my free report not my subscription report,

I have called the supoort team a more than 10 times no clear response by them when you pay for their subscription they will not care they are money minded only for subscription, i think we can use their free yearly report rather than paying subscription

I've applied for loan with hdfc credila and i got a call from them today suggesting that i had taken a loan for amount 1 lakh in 2002 and i delayed the payments and the account got closed sometime in[protected] timeframe.

This is entirely false as loan application to hdfc credila is the first formal loan application i've made. Now, bank in question is asking me questions on the same.

As far as i'm concerned, i've not authorized anybody to share my account information to anyone. Neither have i taken a loan in past on which i may have defaulted.

Necessary actions need to be taken on cibil for providing false information thus resulting in defamation.

Further, there's an option in cibil to view your score online where you must select a checkbox 'accept terms and conditions'. If you click the link 'terms and conditions', the next page 'https://www.cibil.com/terms-and-conditions' that opens up says 'page not found' and 'we all get off course sometimes' (Refer screenshot). Essentially this means that they can dictate terms and conditions as they want if the user blindly selects the checkbox. They say they are authorized by rbi and such an organization can go 'off course'? They cannot manage their website properly and they are pretending to manage the credit scores of millions of indians?

Sir i have applied for credit card but it was rejected on the basis of credit report of cibil showing one default account of jammu and kashmir bank with over due. But sir i have already adjusted the loan from the bank and taken noc from the bank. When i contacted the bank they said they can't do any thing. So it is requested to your good self kindly see the matter

I have renewed my subscription just now via axis bank net banking. But i did not get my latest cibil score in my login. My login id is - [protected]@gmail.com.
The transaction details are as follows:

Your a/c 217124 is debited inr 550.00 on[protected]:18:27 a/c bal is inr 2734.16 info: pur/cibil tpsl/mumbai/cibil tpsl/seq no[protected].

Please go through the above transaction and provide me latest cibil score.

Hi,

I am writing to you with regards to errors in my CIBIL Records. Can you please amend it so that it can help for further transactions.

Hi, Myself Chintoju suresh I am writing to you with regards to Wrong Date of Birth in my CIBIL Records and recently I have checked my CIBIL report and found that 2 Mistakes .

1) date of birth is Incorrect .
My date of Birth is[protected] and in CIBIL report shows[protected].

2) I Have Car loan in Mahindra finance from July-2016 and my loan track details are not mentioned in CIBIL report apart from that all details are showing.
My Pancard Number: AMUPC5520H

Can you Please help me out on this,

Regards,
Chintoju Suresh,
[protected]
Ch.[protected]@gmail.com

Cibil scores are not trusted. Sign my petition

https://www.change.org/p/cibil-are-cibil-scores-trusted?recruiter=[protected]&ut...⇄

Cibil does not have proper mechanism with which accounts are displayed in your account.

Dispute resolution is extremely slow and a harassment to consumer.

I have trying to repurchase the cibil report to check latest status and resolve outstanding disputes but everytime it lands me to an error message that page requested dies not exists or have been moved.
I have tried changing passwords but still issue persists.

Indusind bank have been sending incorrect information to credit agencies and i have not been able to get issues resolved.

In my cibil report wrong account number is mentioned with a outstanding iob jewel loan account. Wrong account number in my cibil report is [protected] for rs. 2, 12, 000/- and [protected] for rs. 52, 000/- as outstanding balance, but i have settled both the loan account. The correct iob loan account number is [protected] forrs. 2, 12, 000/- and [protected] for rs. 52, 000/-. I have settled all the above mentioned account number. Request you to correct the same in my cibil report, due to this wrong information in my cibil report my loan and credit card application is getting rejected. Request you to change the report

Dear mr. Modi,

As stated account number[protected] in name of mr. A k modi, reflecting in cibil reports as charges / overdue in account. We wish to confirm that given account number already closed in system on[protected]. Hence no overdue / charges against the mentioned account number.

We confirm to cibil that stated account is already closed, request to check and remove from cibil report of our hni customer – mr. A k modi as it has direct impact on cibil score.

Regards,

Praveen joshi

Deputy branch manager

Jodhpur sardarpura branch.

Icici bank

I have availed housing loan rs.8, 00, 000/- form indian bank, villainur branch, puducherry, i am to state that, my monthly instalment is every month credited, but show the over due rs.50342/-. Now i have applied education loan from sbi. My cibil score is over due hence, i requested update from august, 2016.

Member i. D no. Bs00110233, indian bank, housing loan rs.8, 00, 000/-


Please communicate to correct my account as soon as possible.

P. Patchaippan,
Puducherry.

Sir i have a two weeler loan from indusind bank i closed that loan account in the month october 2017 but it is not update yet so request you to pls update the same and i have anather problem when i check my cibil my total loan account is only 4 but it shows 14 account that is incorrect my pan no is fopps9574r name mahip singh for any further information mail me on [protected]@gmail.com

My name is varun kumar. My transunion cibil cin is u72300mh2000plc128359. I requested the cibil department on 04.08.2017 (Dispute id given by cibil was cds[protected]) that there are two loans in my cibil report which do not belong to me at all but the cibil, after three months lodging my complaint regarding this, they informed me that these loans are related to me.
Because of these two loans my cibil score is too poor and many banks and credit institution rejected my loan and credit card applications. Each time, they told me about the reason of rejection is low cibil score. Initially, i was not aware about these loans and my each application got rejected. Finally i paid rs. 500 for the cibil report and got to know about these default loans. Both the loans are from sarva haryana gramin bank, branch - kondal. One of the loan belongs to mr. Vikram singh s/o kartar singh, (A/c - 7668pc[protected] vpo - kondal, tehsil - hathin, district - palwal, state - haryana and second one is mr. Har kishan s/o dasrath, (A/c - 7668pc[protected] vpo - kondal, tehsil - hathin, district - palwal, state - haryana. Type of loan is showing as loan against bank deposit. Loan a/c 7668pc00051477 is shown twice in my cibil report, one of which showing ownership as individual and second one is showing ownership as guarantor. I have all these information because i was working in sarva haryana gramin bank. The bank has a policy to put defaulter loans into the employee's cibil report intentionally so that they can not take loan from other financial institution. Now i have resigned from the bank and i want my cibil report clean and clear from these loans. Though sarva haryana gramin bank is doing wrong thing, i did not support them. I requested the cibil with enough proof but they do nothing and on 3.11.2017, they reported that these loans belong to me. Now i have nothing left. I faced too many problems. I had urgent money requirement but due to this, i could not get credit facility. Please help me.

My name is sudhakar g and i'm having proprietorship business. I wanted to extend my home loan because i wanted to buy another land and sell it so that i can clear all my credits. So, i went to my current home loan bank (Union bank) for the extension of the loan. They checked my cibil score in cibil.com and rejected to give the loan. They said my cibil score is 660 in cibil.com.

I went home and checked the cibil score in 'experian' and 'paisabazar.com' and in both the report it is showing my cibil score as 771 (Fair).

I inquired the same with the bank and bank people said, they check the score only in cibil.com. Can you please confirm why cibil score is different in cibil.com and 'experian'?

As far as i know, both 'cibil.com' and 'experian' are rbi licensed credit information company (Cic). Then why there are two different scores from both the company. Because of this, i cannot take a loan.

What should i do now to avail the loan? Which is the correct credit score experian or cibil?