Credit Information Bureau India [CIBIL] Complaints & Reviews

For improvement of Cibil Score
Sir,
I am having a credit facility from Canara bank in the form of a home loan for a 2 BHK flat no.15069, 16th Avenue, Gaurcity-2, GH-03, Sector-16C, Gautam Buddha Nagar, Utttar Pradesh 201308 the details of which are as under :-

Amount of Loan sanctioned Date of Loan EMI Balance

12, 00, 000.00 20.12.2013 11, 164.00 11, 24, 485.00

I had checked my CIBIL score in 2016 which was 589 which I presume was because of one default in making payment of EMI towards abovesaid home loan to the Canara Bank. Since then there has been no default and I have been making regular EMI payments to the said Canara Bank against the abovesaid home loan.

The abovesaid home loan is the only financial facility I am having from any financial institution. At present I have no other loan of any credit facility of any kind from any bank or financial institution.
It is pertinent to mention here that I was having some dispute with the ICICI bank as the said bank had raised an inflated bill of Rs.77, 000/- against Credit Card payments. However, the said dispute was settled with the bank amicably and ultimately an NOC to this effect has been issued by the bank on May 18, 2017. A copy of the said NOC is attached with this letter for your perusal. At present there is nothing due from the said bank and the Credit card in question has been permanently deactivated.
I was however, surprised to learn that the CIBIL score has not improved since last year despite there being regular payments made by me against the home loan from Canara Bank.
In the light of the above I would most humbly request you to kindly improve my CIBIL score as per rules since I am facing difficulty in making my business and bank transactions.
My mobile No. is [protected]. In case of any clarification or query please contact me at the above mobile no.
Thanking you in anticipation.
Yours faithfully,
Dharambir Singh
Email- [protected]@hotmail.com
My Details :-
Name : Dharambir Singh
Residential address : Flat # 15069, 16th Avenue, Gaurcity-2, GH-03, Sector-16C, Gautam
Buddha Nagar, Utttar Pradesh 201308
Date of birth :[protected]
PAN number : BBZPS0174C

I used axis bank credit card last year also properly every month due also i paid, lastyear three month my heath is not well thats way may i not able to pay the minimum due also 4th month axis bank person call me he said final settlement to my credit card so i agree with settlement that same day i go to paid axis bank my credit card payment they are give one settlement letter also now i apply from other bank personal loan but my name in CIBIL LIST please clear this issue sir

My self surendra kumar s/o lte. Mohan Lal age 40 year cast regar add. village nareli via madhar ajmer rajastan pin code 305024 mob. no. [protected] my account in uco bank shrinagar road ajmer .
i was never take any loan afterall when i went for loan banks are told me that i am bank defolter of icici bank for person loan and when i check my statemante statemante shaw another person mr.surender kumar add. D.103A khana vihaar ayodhyaa nagar vaishalinagarjaaipur mob.no.[protected] . due to any bank note give me any loan
so humble request sir please correction loan satatemante

Dear CIBIL Team,

I Vikram Singh Yogi has paid the installment of the loan but the AU Financier India my finance company now becomes bank did not updated clear the installment amount, Now the matter has been resolved and also cleared my installement amount, So i request you to please update my cibil score

Regard
Vikram Singh
PAN No- AFTPY2944P

I was using rbl back credit card [protected]. Before annual charges, i have asked them to close the card as i was not getting as good benefits as i am getting in my other credit cards. Rbl requested me to hold for one more year and they are reverting my annual charges. But in very next month's statement, charges were there in credit card statement. Since then i am following up with them to revert my annual charges. They had reverted the charges but i don't know some extra amount (As late fee, which should not be charged at all) is there in each statement. I am tired with following up with rbl customer care team. Could you please help me in this regard as due to this issue, my cibil has come to such point that i can't apply for any loan.

Please take action against ratnakar bank limited for spoiling my cibil score.
Thanks in advance,
Harshit jain
Contact number - [protected]

Hello Sir,

My name is Ramesh L my pan no BHRPR0468Q I have taken a car loan in TATA MOTOR FINANC India Pvt ltd. I have some Overdue amount around Rs30000 and now i have been paid the amount. My name was locked in CIBIL. How long will take for to change the status from Overdue to Nil amount in CIBIL Record. Is there any procedure to change the record.

As i prachi mhatre have not taken any loan from family credit but in this report (Control no. [protected] dtd 17.05.2017) shown that loan of rs. 32255 taken on 12.1.2009 & w/off rs.37416 such wrong information is with cibil so kindly check & resolve & give us revised cibil report

Customer care has given me loan a/c no286337 which does not belongs to me

My cibil scores shows I was Co applicant in Home loan of 25 lakh in 2014 which is not paid since june 2016. I have never signed any such thing neither ever got any call or confirmation about applying loan as co applicant.

Due to this error of cibil score our home loan which applied few days back been rejected by bank. Now requested for Cibil report so that I can get this issue checked on 05/05/2017 even paid Rs 550.00 for the report but not got anything yet.
But I am getting from people saying to pay them Rs 14, 500.00 and they will get my credit report improved.

This Cibil score seems to be fraudulent body as they are not able to provide me the report neither on email nor through mail even after uploading documents and how come people calling me to sell the package

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

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

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.