Credit Information Bureau India [CIBIL] Complaints & Reviews

I have raised disputes from online cibil portal and i see there is no response or action taken from the banks. I have escalated and contacted the respetive nodal officers and i could still see there is change in the cibil reports.

Dispute id date initiated status of dispute id
Cds[protected][protected] new
Cds[protected][protected] new
Cds[protected][protected] new

Request you take action action on the banks who are not responding to the disputes raised

Hi,

I took an auto loan of 340, 000 from hdfc bank on 10.12.2011 of 340, 000 for which some bouncing happened as my father was suffering from cancer (I told this on call to hdfc also). And on 30.09.2015 repaid all oustanding amount of rs. 52701 for which i have "payment receipt" and got "loan closure letter" also.

But my cibil still shows status as "written off" with amount of rs.14754. As far as i know written off is for non traceable to people whereas i was always rechable on call.

Request you to please update my cibil and remove the written off from auto loan as i have paid every penny with interest. Please find reference documents attached.

Regards,
Poonam vipra

I prafulla kumar rout, pan no. Aoepr6833c, at:-dala, po:-jajpur road, dist:-jajpur, pin:-755019 have received a cibil score report from sbi, bearing memberid:-bs00015685. The data provided in cibil is incorrect as per my pan. Because only pan and my name is matching but other details like address, mobile no. Date of birth and fathers name and loan amounts are not matching. But interesting matter is that actual my loan number (Cash credit) account no.[protected] and c. V no.[protected] is not reflecting in the report. Neither the loan account number nor the bankers name mentioned in the cibil report. So i am unable to traceout from which bank the loans are belongs. Hence again i have applied for cibil score cibil registration id:-sco[protected] and transaction id is:[protected], dtd.08/05/2017 by paying an amount of rs.800/-. And the report is not received by me.
So i request your kind attention to provide the accurate data to me so that i will be able to trace the loans.

Cibil is simply cheating people in terms of credit score. They provide different reports to different people.

When i logged in into cibil portal to generate my credit score it's clearly mentioned 833 but when sbi logged in to generate credit score on the same day using my pan they got a credit score of 739.

How come this site can show two different credit score for the same people on the same day. What is the reliability of their score?

They are simply cheating people and taking money from them in the name of credit score.

As a proof i have attached both the copy of report (One which i have generated by paying to them & the second one from the bank). Please correcting action to stop this ongoing fraud.

Also when govt of india promoting digital transaction how come they put the usage of credit card as risk when there is no overdue of any payment. Their entire process of evaluating risk of any people erroneous and it's turning out to be humiliation to people. This needs to be stopped/corrected immediately and strong action should be taken against them.

Please reach out to me @[protected]/[protected]@yahoo.co.in if you need any further details on this.

Thanks
Debajyoti ghosh
[protected]

My pan no in my report is incorrect. My pan no fyups0338l. That is not seen in my cibil. My uid no is also incorrect in my cibil report, my correct uid no is[protected]. Any other uid no is showing in my cibil report. My voter id no is also incorrect, my dob & address is also wrong.
Please rectify my cibil information. Due to this problem i am unable to take financial supports from banking and financial institutions.
Thanking you
Balwinder singh.
[protected]@gmail.com

Cibil service request:[protected]/04/2017

I have seen the worst customer service from cibil. I have paid rs 1200 online for 4 reports per year on 4th feb 2017 but subscription is not showing in portal. When i called them they said they will generate and send it to email address while generating they have generated for one report (Rs 550) instead of rs 1200. They informed call us again after few months if you want to generate one more report.

Whenever i call them they say their server is down, i am unable to generate new report. I called them on 28th april 2017, executive was telling me, i have paid only rs 550. I had to share the bank statement to prove them but still report is not generated. They dont keep track of customer call details in their records, i dont know how accurate is their data about consumers records. I am planning apply for loan but they are unable to give me the report, it is pathetic. They disconnect call if they cannt give info and say system problem. Govt should do something for these private people who simply harass people for no reason. Anyone know how do i proceed to fix this issue.

Kind regards,
Santhosh kumar

Due to some emergency need I applied for the Loan in A Bank. Everything was confirmed & at the end of finalization, bank notified me as my CIBIL score is only 615 & there was running loan of seven & half lakhs information displayed in my account.

Bank advised me to get a clear CIBIL information & high score to proceed further for the loan.

Then I paid Rs 550.00 to get my CIBIL information & was shocked on seeing...

Dear Sir/Madam,

As and when I am going to take any kind of loans from any bank I am getting disqualified due to my cibil record. Banks are rejecting my applications without providing any document from their end. Under this consequence I am requesting you to support me to get a clear cibil report from your end.

Matter most urgent.

Thanks & Regards,
M Mukherjee
Kolkata
[protected]

Sabir uddin mondal
c/o- anowar ali mondal
vill-hatipota, p.o- nandai, p.s- kalna
g.p- nandai, dist- burdwan
pin- 713405, west bengal
mobile no-[protected], [protected]
occupation- salaried
control no- [protected]
sir/madam,
i have applied for a housing loan to SBI RACPC, (Howrah, W.B) which is getting rejected due to CIBIL score low. i have found that two wrong accounts added in my CIBIL transunion. both wrong entries account belongs to SBI, ADB, 03049(kalna, barddhaman, W.B, ). in this bank i had a agriculture/ kcc loan, a/c[protected], opened on 01.01.2011, which has paid all the balance amounting Rs. 44000/-(fourty four thousand only) on 29.03.2017. according to me this amount is wrong. i have received a NOC (no objection certificate) on 29.03.2017 from this bank. but till now my cibil score is not updated due to two wrong loan accounts entries in my pan.
details of those two wrong loan accounts follows :-
SABIR ALI MONDAL
d.o.b-01.01.1983
vill-kharinan, p.o- dupsa
block-kalna-1, g.p-nandai
dist-burdwan, west bengal
pin-713519
a/c no[protected] (written-off) opened on-31.07.2008
[protected] opened on-10.09.2015
i have faced lots of problem to get housing loan which is very important for me. therefore, i request you to clean those wrong information from my civil transunion & oblige. you can contact me on [protected]@gmail.com and mobile- [protected], [protected].
thanking you.
your faithfully,
Sabir uddin mondal

enclo:- 1) scan of photo
2)scan of voter card
3)scan of pan
4)scan of bank pass book

Hi Sir/Madam,
I applied for a Consumer Loan in Bajaj Finance and it got rejected due to less CIBIL Score. Till date, I have neither made any late payments for my credit cards Nor taken loans. I even did not do any settlements with any financial institutions. But I do not know how my CIBIL gets affected and came to less than 650.
Please kindly do the needful sir. Kindly provide for your feedback.

Best Regards
Shyam Kumar
[protected]

I have only 1 PAN card but when i applied for loan i got rejected multiple times because they say my name has 2 PAN cards.which i never applied for.

I had a check bounce which i gave to one of my institutions where i learned a course and they did not inform me but dropped the check in bank. Later I cleared and took my check immediately from them.

But another PAN card on my name which i have no information. Bank person told that i have been rejected for credit cards for more than 20 times.

सेवा में
एच डी बी फाइनेंस नमस्कार
निवेदन इस प्रकार है कि आप के किसी अधिकारी की गलती से मेरी सिबिल रिपोर्ट खराब हो गई है
मेरी सिबिल रिपोर्ट में दिखाई गई रकम मैंने नहीं ली है
ना. ही इस प्रकार के खाते से मेरा किसी भी तरह से कोई संबंध है, और ना ही मैंने कभी भी आपकी कंपनी से कोई लोन लिया है,
मैं आपको खाते से संबंधित डिटेल भेज रहा हूँ जिससे मेरा कोई भी संबंध नहीं है
मेरा आधार नंबर है[protected]
और पैन नंबर AIXPA6021E
और आपके ग्राहक का नाम मौ.सालिम
व खाते का नंबर है
A/c.no.1889279
opened 22-10-16
Sanctioned amount 1013988
Commercial vehicles LOAN

Name - aditya sharma
father name - late sh. Vijay sharma
date of birth - 24-april-1974
pan no. - bhvps2371h
ph. No. - [protected]
bank - hdfc bank ltd. Credit card

dear sir/mam,

there is concern with the updation of my cibil score as i've paid all the pending balance to hdfc bank ltd.. I've the noc (no objection certificate) from hdfc bank ltd. And the payment slip & bill also...

I have inform to you . no any loan pending any bank. otherwise see balance in cbill report please which process to clear report.
i am vivek dasharath gaikwad
at phaltan dist satara
i have take loan canara bank rs 50000 agri cash credit 2010 but clear loan without any problem in time .
today i am check my detail cbill i have indicate 750 balance to pay . i am go to bank, bank is declared no any pending balance . which process to clear my cbill problem.

The cibil authorities have merged the data of santhosh kumar shaw in the credit report submitted by cibil authority with its member bank resulting in undue harassment to me. Even the basic data like my date of birth are wrong. My name is also wrong, in place of Shiv Kumar it is showing Santhosh Kumar Shaw. The bank authorities have rejected my loan application on this ground which has caused me financial loss and mental harassment to me. The loan accounts pertaining to Mr. Santhosh Kumar Shaw have been merged in my data related to my PAN. This is an apparent mistake and could have been avoided, had the authorities in CIBIL had been careful and cautious while entering data in my report. This is a common problem faced by people at large.

Dear Sir/Madam,
My name is P LATHA & PAN : ABXPL6800B. I have found that while check my CIBIL Transunion score there are two wrong entries in that statement. Both wrong entry accounts belongs to Indian Bank, Avadi branch, chennai-54.I have no way connected to that accounts. The Indian Bank, Avadi branch manager certified that A/C No:[protected] had availed by Mrs. P.Latha W/o P.Prabhakar, residing in 100A, Selvaraj nagar, Thiruninravur and which has been closed on 13.02.2015. Under OTS certificate is issued at the specific request of Mrs.P.Latha, W/o Krishnamurthy.
Hence I request you to remove those wrong entries from my account immediately.

Thanks & Regards,

P.Latha

Hi I have applied for a loan which is getting rejected due to an auto loan is showing in my account to my bank. I took my credit report and there is no were this loan is reflecting, but ICICI shared me a screen shot of my account (which was taken from ICICI from CIBIL Portal only) where auto loan reflecting. The customer care is not at all helping only stating Server Down they can't help.
I need a NOC from CIBIL regarding clear status of the loan, however I have not taken any loan earlier. My Control Number is [protected]

Sir my self vishal holkar pan no abqph5458q in dec i took commercial loan from icici bank ltd the first instalment of repayment is on22feb2017 but bank dose not present chaque on time at that time my bank account has sufficient bal. Because of that the instalment show due in cibil so please take acction to remove that due show in my account . its not my fault amount Rs 64770/- & 5785/- thise cheque oner on Date 4Mar2017 . it is request to you please check who is the responsible for this sily mistake . Because of this my credibility damaged

Sir, am using Punjab National Credit Card Card No. [protected] and i have SB account in pnb hence i opted for Auto debit for my credit card payment but it's not activated later i came to know that and i made payment through bank .Then i called to customer care regarding auto debit option they said to deal with Bank, then i visited bank they said u have to do in online by this i made payment late. Due to waiting for auto debit, Now my CIBIL Score is low by this am not able to get Housing Loan, Hence i requested to my CIBIL Score need to rectify as i can get housing loan. even i visited to my bank they said in this matter they are Helpless. So by this i requested you to kindly rectify the problem as early as possible. My PAN no.ALKPR9824N

Below is whole mail chain about my consumer loans. I have been chasing to soort this oout from past 4 months but there was no response. This is impacting my cbil as well hence i woulrequest your kind attention to update my records without these bloody loans.

Hi,

I am not sure on what do you mean by invoice. I have not received anything from bajaj.

I have been telling you that the other two loans 326 rs was there in ur list but it was closed quite sometime back post my discussions with bajaj here.

Yesterday i got a call from legal team from delhi, whats this?

I am literally fed up with your processes, here i am giving you bajaj finance sales person where he know everything about my case.

Sandeep: [protected]

As per my discussions with this guy, nothing is pending from my end and bajaj has to repay some amount to me. Please close all these loans and inform all teams.

Regards

Karunakar

On mon, mar 20, 2017 at 11:08 am, [protected]@bajajfinserv.in wrote:
Dear customer,

Thank you for writing to us at bajaj finserv lending.

We request you to kindly send us a scanned copy of your invoice copy to verify and validate our records.

Once we have validated our system records, we shall revert to you.

For any further clarifications write to us at [protected]@bajajfinserv.in.

Assuring you of our best services always.

Yours sincerely
Bajaj finserv

For an easier and faster access to your account details, please visit our website – www.bajajfinservlending.in

Type ‘experia’ and send this message to [protected] from your registered mobile number. You will get your user id and password in few seconds!

Alternatively, you can follow the below mentioned steps to recall your experia user id and password :-
1.) log on to our website www.bajajfinservlending.in and click on customer login option.
2.) click on ‘forgot user id’ option.
3.) enter your ‘loan account number’ and ‘email id’ registered with us.
4.) click on ‘get user id’ option.
5.) you will receive an email and sms with your user id and password to login.

All of the following information and more is just a click away
Loan information
Emi related – balance, last payment
Statement of accounts
Noc
Emi card

—

Dear finserv executive,

I have taken home appliance loan (2 lg ac"s) from bajaj and the total amount is around 70, 000 rs including all and i made some initial payment as well while buying these two ac"s from reliance, amanora mall.

I have started paying every month and i am not sure on which date i have started but i have stopped paying from past two months due to the below reasons.

1. Loan amount was showing for ac is 40, 000 rs and other ac showing as 50, 000 rs. Total is 90, 000 rs but y actual ac"s cost was just 67, 000 rs.

2. I went to fathima nagar branch and they have advised me to go to main branch which is very far to the city however i went here as well.

3.in between, i have been receiving so many calls from recovery team"s but they even dont know how to speak english which is the biggest problem hence they were unable to understand what i was trying to say. They will also say "aap ka payment pending hai. Kabh payment karega" and ifi start talking in english they will cut the call and again they will call and the same repeats. This is happening from past 3 months.

4. Finally now i went main branch, funny thing is they also dont know how to speak in english but they are very seniors in terms of grade and dont understand what i was trying to explain. That guy, he was keeping on telling me that the system is showing 40 & 50 k.. I can"t do anything, you go and discuss with reliance. All were argued with me instead o[censored]nderstanding my issue even though i showed attached evidences what i have received from bajaj as a monthly statement.

5. Again i went back to reliance and i have explained everything to them, then they said, you have already cleared nothing is"pending"so you no need to pay. They have extracted few statements and showed me.

6. After this i have stopped paying but i have been getting calls from various recovery agent and i didn"t respond to them as well.

7. Finally one recovering lady played a track with me and said, i am calling from bajaj... Whats your problem? Then i have explained everything to her as she said that she is from bajaj and she asked me to come to reliance. This lady"s name is gauri from renuka enterprises (Mobile:[protected])

8. I went to reliance and she came along with her assistant. They have discussed with reliance and understood the the problem. She said that she will check with bajaj and get back to me. This was happend two months ago but there was no response after that. During this discussion, reliance people explained to her clearly everything.

9. Now i am getting calls from other recovery agencies and my answer is simple that i have already paid. Please go and check.

10. I believe this is impacting my cibil score as well hence i would request you to check and update your records with the closed status and inform cibil.

11. My actual loan amount per month is half of the amount i have paid.

12 attached statements for your reference.

I want to escalate this to senior management on what process and systems do you have in place?. If something is wrong and i have been complaining then you have to correct it in the system and get back to the customer? Dont you have responsibility to get back to you customers on the issues what they are raising?
How would you inform your recovery team to get the funds from your customer even though i am explaining everything in clear cut manner?

We dont have customer care numbers to contact you people and we have to go main branch but those guys dont have minimum ethics on how to deal with customers?

Even i can write more n more by mentioning their names but thats not my aim here. I just want to close this loan with the immediate effect and inform cibil to update their records.

Because of these two loans, my score is becoming worse even though there was not mistake from my end.

Hope you can understand and act on this immediately by talking help from gauri and reliance group, amanora

Regards
Karunakar