Credit Information Bureau India [CIBIL] Complaints & Reviews

Sir, i have taken some loan from state bank of india adb nalagarh bank code no sbin0050206 and i have applied for another loan but on viewing my cibil score one entry please ref. To control no 1, 64, 95, 44, 533, does not belong to me rs 7.50 lakh opened on 31.08.2015 type commercial vehicle. Please remove this from loan account - rajinder singh cell no [protected]. Resulted my cibil score become down.

It is requested to that my cibil score is 599 as on 02/07/2017. When i was applied for pl one of the co-op society, i came to know that the i was due of some of rs. When the cibil report was generated. I that report the bank name was not disclosed, because of this i am unable to find out which bank. (As of now i don't have any pl on any bank, though i was maintaining only one sb a/c in sbi).
It is requested to plz let me know the name of the bank so that i can persue the matter for the settlement.
My e-mail id - [protected]@yahoo.co.in/[protected]@gmail.com
Mob no:[protected]
Looking for the favorable reply from your end

Today i had received a call from [protected] no asking for pin to get my atm card unblocked! He introduced himself as bank manager and asked if i want my atm card unblocked as it was blocked by bank six months ago! I clearly understood his fraud and said that i want my card to remain blocked like this to which he reacted in an ugly way and hurled abuses!
Beware of such men as fraud cases are in the rise and admininstrative action needs to be taken against such filthy persons. I am posting my complaint with this hope to make more people aware of this.

Wrong loan shown in my pancard
I have raised a dispute with control no [protected]
Dispute id cds[protected] on 15 june 2017
It was regarding a wrong non funded credit. Of 1.5 lac in my pan card.
It was a fd which is given fr pg. Course of 3 yrs and i very well took it back after duly completing my course of 3 yrs. But my cibil shows it as a non funded credit by error.. I have obtained a noc fr tht from my sbbj kota as well which is attached with the mail

I m. Receiving continuous mails frm. Cibil tht reminders sent to credit institution to rectify the mistake but the bank manager sbbj kota has denied that he is not receiving any mails from. Cibil.
Being a female i have faced enough of mental harassment frm bank and cibil.
Kindly look into the matter soon and solve my problm
Kindly send the reminders on. Sbbj kota manager account
Manager email id:[protected]@sbi.co.in
And send me the cc for mail.

My self santosh kumar, currently i don’t have any loan and credit card. Four months ago, i took the cibil report using my pan number for car loan purpose & the cibil report revealed that there were many loans and worng personal information. After i read the report completely, i came to know that pan has been allocated to two persons (Myself & other person living in odisha)..

Again i tried to generate the cibil report using my pan card & voter-id but data is same. I am 100% sure that cibil report system takes report only using pan number
I have approached various banks to get home loan & because of the above issue, they have rejected my application.
Below are the dispute id’s and control no & my personal information which are i raised on cibil in the 20 march 2017.

Dispute ids: cds[protected]
Control no - [protected]
Pan-arxpk0412e
Votar-id - spm0623116
Name - santosh kumar
Father's name - bhuvar prasad
Dob-15april1983
Mob - [protected]
Email - [protected]@gmail.com
Address-168-a co-operative colony bokaro steel city jharkhand-827001
Those banks & accounts doesn't belong to me.
1- ficcl-pl - [protected]
2- hdfc-pl[protected]
3-manappuram gl - [protected]
4- manappuram gl - [protected]
5-bajaj finance - cl-4h10cd05254913
6-sbi-pl[protected]
7- hdfc-pl[protected]

Thanks & regards
Santosh kumar
[protected]

My self santosh kumar, currently i don’t have any loan and credit card. Four months ago, i took the cibil report using my pan number for car loan purpose & the cibil report revealed that there were many loans and worng personal information. After i read the report completely, i came to know that pan has been allocated to two persons (Myself & other person living in odisha)..

Again i tried to generate the cibil report using my pan card & voter-id but data is same. I am 100% sure that cibil report system takes report only using pan number
I have approached various banks to get home loan & because of the above issue, they have rejected my application.
Below are the dispute id’s and control no & my personal information which are i raised on cibil in the 20 march 2017.

Dispute ids: cds[protected]
Control no - [protected]
Pan-arxpk0412e
Votar-id - spm0623116
Name - santosh kumar
Father's name - bhuvar prasad
Dob-15april1983
Mob - [protected]
Email - [protected]@gmail.com
Address-168-a co-operative colony bokaro steel city jharkhand-827001
Those banks & accounts doesn't belong to me.
1- ficcl-pl - [protected]
2- hdfc-pl[protected]
3-manappuram gl - [protected]
4- manappuram gl - [protected]
5-bajaj finance - cl-4h10cd05254913
6-sbi-pl[protected]
7- hdfc-pl[protected]

Thanks & regards
Santosh kumar
[protected]

Dear team I have find a mistake in my cibil report as one of the loan is showing wrongly as while I have never taken any loan of Rs 21 lakh.detail of loan is mentioned
Name parveen Kumar
Pan no BLOPK9127L
UID.[protected]
Voter card KXJ24320
Wrong loan account no [protected]
Kindly look into the matter on urgent basis as I have checked from bank this particular account no is in the name of Vijayawada kumar

My name is meena devi. I applied in punjab national bank banmankhi bihar fo business loan but manager informed me that i m defaulters rs 10714 on cibil, control order no:[protected]. Please do needful and oblige me because in best of my knowledge i m not availed any loan. Please provide me full details when i have any loan. Thanks
My pan card no ccypd6730q, mobile no [protected], dob-01/01/1971. Add - dhir bazar banmankhi purnea bihar 854202

That i have applied for my loan which was rejected by the bank and a report was issued to me dated 30.06.2017 in which cibil my score was wrongly given. I dont have any bank account till date and the loan was wrongly updated in my name. Solution to my grievance is that my cibil score should be cleared so that my loan can be approved in future and the cibil dispute resolution doesn't work i tried to raise a complaint which was not accepted.

Regards
Amarjit kaur
Ph : [protected]

Hi guys.
Need your help to file a case against cibil and standard chartered bank.

Is it an approved scam run by cibil and financial institutions by showing cibil report and denying the loans. Same banks and agents make sure and get you the loans, if you are paying high interest rate?
My cibil rating is showing 654 due to one scb bank error entry.
After getting the mail from scb also, cibil wont change the details.

Now 2 months over after raising this point and the error is a 12 yrs old case.

How do we proceed

From: customer. Care
To: george
Sent: saturday, 1 july 2017 5:49 pm
Subject: your recent communication with us (Kmm24865311v24285l0km)

Ref : 06/17/084297/sp/crd

Dear mr george,

This is with reference to your e-mail dated 30 june 2017 regarding discrepancy in your cibil report.

Please note that the 16 digits number 0250 xxxx xxxx 6210 reflecting in your cibil report pertains to the unique customer relationship number associated with your card ending 6836, 8109 and 2587.

We confirm that your card account has been permanently invalidated in our records.

As on date, there is no outstanding balance payable by you towards your card account ending 6836, 8109 and 2587.

We wish to inform you that the appropriate status with regard to your account has been updated as blank and further the current balance and amount overdue has been updated as zero in the credit information bureau india limited (Cibil) records.

For reference, we have attached your cibil report in this mail and the same is password protected. To open the attachment, the password will be your date of birth (Ddmmyy format).

For instance, if your date of birth is 9th january 1944, then your password will be "090144".

Please feel free to write back to us for any further assistance. We will be glad to assist you in this regard.

Assuring you of our best services always,

Yours sincerely,

On behalf of standard chartered bank

Dhanasekar
Officer - customer care

My name is sweety sumit ohal, my pan number is abfpo8679r. I want to know my cibil score so i made a payment of rs-550rs by credit card, amount is deducted from my credit card after that it shows authentication failed error is showing so i upload my kyc doc with images its get uploaded successfully.

But still not any response from this company.

So i will get refund or amount is wasted, no used..

Daer sir

my name is jitinder singh & i'm reisdent of ludhiana (punjab). From last 4 months i'm facing a lot of problem because of cibil. In my cibil they are showing some loan accounts that doesn't belongs to me. On filing complaint to cibilthey told me that this mistake will be rectify within a month but 2 months has gone & my cibil report is showing the same. Even i had written conversation with the concerned banks & they told me 2 weeks before that they had send the report to cibil in which they clearly state that those loans doesn't belong to me. If you want then i can forward you the same mails i've received from those banks. In simple words cibil is of no use & only make to harass the indian citizens. My cibil service request no. Is 5404953. Please do something as i, m in lot of trouble.

To whoever it concerns,

I am writing to concerned higher authority regarding the inconvenience caused by cibil to me over last two months. Two months ago I faced a dispute in my CIBIL report.

I first sent my online dispute form regarding my dispute on 3-May-2017. I received a mail stating "We shall take up the matter with the relevant Credit Institution and notify you of our findings." on may 4. Its service request number was 41606919.

I had applied for a free report which I received on 9th May 2017. That day I again emailed and got a reply asking for certain details on 10th may. I replied with everything I was asked for. Its service request number was 5255420.

After that, I waited patiently. Meanwhile I had sent an email to know the status of the dispute resolution but I got no satisfactory reply, instead, I was told to wait till 30 days.

I called to your representatives in the first week of June. I was told that I provided insufficient information so my request wasn't processed. All this time when I was waiting for the dispute to be resolved, none of your members stated me that the information I provided was insufficient. Instead, I was kept on being emailed to wait for 30 days.

On June 5th, 2017, I sent another email to raise a dispute and it was a detailed one. To its reply, I received an email on 16 June 2017 stating that my dispute has been resolved and I will receive updated report via email shortly. SR number 5257758.

It has been 19 days since. I have made ten calls to your team. First I was told to wait for 7 business days. When I didn't receive I called again and was told to wait for another 2 days. From that day all your representatives tell me to wait two days. I have been calling since.

Two of your representative also filed a higher priority request which was not processed. It's SR number is 5319531.

Today a new request has been filed under SR number 5418916.

I want my report asap. All your representatives do is apologize. But those apologies don't cut because my problems are increasing day after day. First, your people wasted my whole month for the dispute. Now another month is being wasted for a report!

I am on a deadline for my daughter's education loan. I am enduring stress and difficulties for a blunder that I didn't make and CIBIL is not helping me in this situation either!

It's my humble request to please get me out of my situation and give me the satisfying trustworthy answer to my problem instead of giving me false promises of two business days.

Sincerely disappointed and tired of going around in circles,
Vimal Thakorbhai Patel

Sir i am working in indian coast guard.Due to domestic requirement i was applied for personal loan in ICICI Bank. But the loan rejected due low cibil score. i was also taken personal loan from SBI bank.There is no dues in SBI personal loan. I also have ICICI credit card. But there is also no dues till now. Therefore it is requested that reconsider and solve my above problem

My cibil scores says NH which means NO ACTIVITY. I have had active loans and credit cards which are being repaid regularly. All the credit institutions have confirmed that they have shared my details with the CIBIL. My passport had expired a year back and I got a new one so I had updated the passport number and the DOB was incorrect in their records to I corrected that also along with submission of all documents scan. Now their software is considering me to be two different people which is creating problems. I have written to them numerous times and have spoken to numerous people on phone. They just disconnect my calls and do not solve the issue. I am trying to get a home loan and have problems because of this cibil issue. I will be grateful if someone can pls help me.

Dear team,

We had telephonic conversation with you and you have directed us to
Contact mahindra finance regarding additional loan on pan card
Djfps3524c. We have confirmed there that pan is in the name of
Bijender s/o hawa singh and not relevant to this pancard.

You are requested to delete the name of hawa singh s/o jhandu ram as
Per cibil order no.[protected] which is present with pan card
Djfps3524c of hawa singh s/o jogi ram.

So, that he can go for fresh loan from pnb.

Thanks & regards

Hawa singh
[protected]

Dear sir,

Below of customer mr. Rajveer singh jadaun his apply for hl and his cibil showing 1 auto loan (Personal) of amount rs 700000. Appliacnt not confirm for this loan and not having any thises status. So please confirm this lona which bank running and whose paying emi not paid customer.
Its urgent process please confirm running loan in joint.

Have raised the following disputes to cibil
1) cds[protected], cds[protected] (Control no.[protected])- have raised the dispute for update my correct email, contact detail and my name against my pan no.. Cibil has not resolved the same yet. Customer care said they can't update details without credit institution confirmation and at the same time said that myself have to reach the credit institution for correction of these details. Please note that these details are not mine and of any third party and i am not aware to which credit institution i have to refer this case. Not even cibil is sending any intimation email to the respective credit institution for checking the correctness of the details updated against my cibil report. This is creating unnecessary problem for me as due to incorrect reporting in my cibil report my loans are getting stuck and my life is getting pathetic. Also i tried to escalate this within cibil but there is not contact person for this. Have tried cibil website for escalating the case but it is asking for service request number but when i tried to generate serivce number online by raising complaint then website is not working. Cibil website is not very user friendly and customer care do not have resolution for any problem.
2) cds[protected] (Control no - [protected])- this dispute was raised to update my correct adhaar and removal of third party sbi loan account.
Please note that sbi loan account was removed but adhaar was not updated. Even after removal of sbi account from my report cibil is keep sending the intimation to sbi for removal of account and there is no intimation was sending for adhaar updation which is still reflecting in my report. I don't know if cibil is blindly working without looking into the exact dispute.
Every loan i am applying for is keep on getting rejecting because of cibil unwillingness and udpate correct detail against my report. I am actually very much frustrated because i don't know to whom i have to contact for correction of my cibil report details.

Firstly i doubt cibil is government body. According to cibil my score is not good. But the fact is that i have never done anything unjustified to the banks. I paid all my loans back properly to the banks like sbi, pnb etc. Icici bank is the most fraudulent and they issued me a credit card without asking then they levied so many charges like late fees penalty etc. They started paying my telephone bills without my permission. All this mess and then they tried threatening me. Same with a car loan. I can't write all details here. But they really harassed me. I think cibil is also a partner in their unethical deeds. Why my credit score is not increased when i paid all my loans properly and in time to government bank? And the most surprising part is why government banks also dependent on cibil! Government of india must take some action against cibil.

Dear sir,
I have raised complain by id dispute id is cds[protected] on 26.04.2017 regarding wrongly mentioned loan a/c in my cibil report, till date i have not received confirmation for correction in lender report only just receiving mail to reminder send to lender.

Cibil says to solve issue with in 30 days but it has gone more that 60 days and problem is same.

Kindly do needful in the captioned matter at earliest.
Regards
Avtar singh dangi