Credit Information Bureau India [CIBIL] Complaints & Reviews

I was a credit card holder of HDFC Bank. The outstanding shown was much more. The matter was settled by the Bank and advised me to pay Rs.16, 000/- in three instalments from 25 th October to[protected].
Rs. 5000 paid on 25.10.2016
Rs. 5500 paid on[protected]
Rs. 55oo paid on[protected] n no any outstanding amount.

Still my score is lesser..Kindly correct the score.

Hi, my name is pratul mandal and icici bank ha send my credit card by blue dart however yesterday your excutive called me. that time my mob no is not rechable so he did not deliver my package after that i called hime three time he told me he will come before 4 pm and after that i called him 3 pm he told me he will not come . so please conform me when i will get my credit card or i will go bank and file a coplaint against your company. if you send any one so plse send him before 4 pm.

thanks
pratul mandal
[protected]

Dear Sir,

This incident happed on 18 Dec at around 9:15 PM.

I applied to CIBIL score on their website, after tell us about yourself, It takes me to the Payment section. I filled my credit card details and the money got deducted and then it said that there is some technical issue with the website.

I did the same exercise three times in span of half an hour and my money got deducted three times. As I believed that extra money usually deducted on govt websites is refunded (like in case of IRCTC). And I was in dire need of CIBIL score so I did the exercise three times. But after that I gave up as its deducting money everytime and giving the same error.

Will CIBIL address the issue and refund my money and provide me with the CIBIL report only one time.

Please help me on how to get this issue addressed.

Thanks

Regards
Chandra Prakash Shukla
PAN CUTPS7529B
Mob [protected]
Mail ID chandra.[protected]@gmail.com

I purchased CIBIL report in june 2016 ( Control Number is [protected] ). It was alright and containing only the cards that i holds. In nov 2016 i applied for a car loan and application rejected saying my CIBIL report is Bad. So i purchased it on 15 Nov 2016 and shocked to see that it was containing 8 extra credit card and two loans. I do not hold these credit card, never applied for those credit card and same was with the two loans. I raised dispute online on the CIBIL website so they removed one Loan and one credit card and provided me the revised CIBIL report on next day. Still 7 credit cards and one loan was there for which CIBIL said " Contact the concern bank". Now i sent email to each bank and asked them for APPLICATION form and documents submitted while applying for those Loan/credit card. Because if banks blame these card/loan belongs to me then it is my right to get those application form and Documents. no bank provided me but after investigation axis bank consider their fault and assured that they have sent revised data to CIBIL. Other bank demanded more information concern to me but but no one sent me email that wrong data was sent by them to CIBIL. On 24 Nov CIBIL sent the mail from [protected]@cibil.com and for all wrong credit card/loan he said that "acount removed from your report". But still all those credit card and loan are there in my cibil report. I called the CIBIL and asked for revised CIBIL report as now they have told that wrong credit card and loans have been removed from my CIBIL account. Now CIBIL is saying that it will take up to one month to correct the report. Earlier i was in impression that all are human so mistake can be done. But now i am mentally harassed from all banks () and CIBIL. And i am in total mood of taking strict action against them. Because finally i am getting loss and their justification "it has been done mistakenly" does not suiting me, how can they mistake and showing me that they are doing any obilizing while correcting it. All are showing in a way that they do not have any responsibility. There mistake is just a silly mistake they are not bothered about my problem and my mentally condition. Their answer "inconvenience is regretted" is frustrating me now. If they have regression then ofcourse punishment should be there. Please suggest me, now i am in mood to deal strictly with bank and CIBIL.

Thanks,
Deepak Singh
[protected]
[protected]@gmail.com

Dear sir
My self Ganesh Kumar Verma, form few days i have applying a report of my cibil . i have pay Rs .550, for that repot but still i dont recevid my repot
just u send me a sms that my cibil TransUion score request has been processed And my log in credential will be dispatched to my registered adderess by professional couriers vide POD number-ED[protected]in.

There For i Request u that plz provide my repot as soon as possible.

A wrong "LIC Housing Finance LTD" housing loan (account number [protected]) was appeared in my CIBIL report during August 2015, i have contacted CIBIL (service request number 4009307) and send various escalation mails to remove the irrelevant loan detail from from report, finally i received a appology mail from CIBIL stating that the LIC HSG loan was wrongly mapped to my account and as per my request they have removed the loan details from my record and sent me a updated CIBIL report without mentioning the LIC HSG loan details. but now while i checking my CIBIL report the same loan (account number [protected]) was again showing in my report and due to this my credit score was very low. so please take necessary actions on this.

I was using tata sbi credit card in 2014 i have paid all my dues and stooped using that card. after few years my citi bank credit card & bajaj finance loan got rejected because low Cibil Score. i contacted cibil paid for cibil report and understand that in that report my name is showing as defaulter for some amount of 2500/- . then i contacted tata sbi credit card customer care for cibil rectification they said we will update CIBIL. at the same time i filed dispute in CIBIL aswell. Now its been 6 month there are several of email exchanged but no result.

Cibil says your credit institution is not responding and tata sbi credit card says we have updated CIBIl pls go and check with CIBIL. in this 6 months i have subscribe 2 cibil reports to check my cibil score. but the issue is still lingering & unsolved. i cant apply for home loan or for any credit card because of this issue, i was never a defaulter i have not cheated any bank but still i am suffering from last 6 months for cibil rectification.

M an Indian citizen and currently working in Dubai. When I was in India i had Personal loans and Car Loans which I closed effectively from HDFC bank( Personal Loan), Kotak mahindra Bank(Personal Loan) & SBI(Car Loan) paying my full prepayment fee. Was holding a HDFC credit card as well which was due for payment and while in India I was paying all minimum dues.When I wanted to close my outstanding dues, HDFC did not assist and very not ready to do . Hade made so many phone calls mails to HDFC bank(email id for verification-customerservices.[protected]@hdfcbank.com, [protected]@hdfcbank.com, anoop.[protected]@hdfcbank.com). Chased HDFC ample number of times by asking them to take 80, 000 INR and close it but these guys did not turn up. After one year HDFC contacted me in Dubai and started thretening me and were forcing me to pay the money to a personal account in India which was not of HDFC bank and that too adding up more than 200% interest.Help me to get my CIBIL cleared for this case

Respected sir,

In the cibil report generated by you it is coming under the heading scoring factors there is written presence of a trade line with worst status in the past 6 month, low proportion of satisfactory traders, over due amount too high.

Please let me know that which service provider/bank/credit card account has published these statements. I had never taken any personal loan from any bank.

Please let me know that in which bank personal loan account i have over due amount to high, not enough available credit, low average trade age, too few satisfactory bank card account, presence of delinquency.

Please guide me with the same.

I have settle my credit card with hdfc & also pay the full amount of loan in hdfc, the amount was also so less. After that i have settled my credit card amount also pay the personal loan amount. But till now my name is showing in defaulters list, kindly help me out how to get read from this, as i am not able to apply for any loan. I am in need of money badly for medical emergency but my application got rejected. Kindly help me out so that i can get loan.

Hi

That on 08.11.2016 i have paid Rs 550/ through sbi internet banking for checking cibil score but my report have not been generated and after deduction of Rs 550/- from my saving bank account the message flashed on my laptop that page have been removed but Rs 550/ was deducted form my account and message received on my mobile with Transaction Reference No IGAAFSCQL5 on the same day i.e. 08.11.2016 for aforesaid deduction.

Pls take necessary steps accordingly for refund procedure as soon as possible.

Pls refund my Rs 550/- paid thrg SBI Online Internet banking asap.

Regrds
Madhur Bhushan

I live in adhchini new delhi. Near bses office. Here construction is going on on daily basis even after ban by delhi govt. I want my details to be anonymous as these people are dangerous and keep threatening people for small things like parking so i am afraid if they know who complained, what will they do. Attached image has location information tagged in it.

Dear sir
First i want to suggest you to please do something for new job seaker or new joinee to know about cibil. In my past loan i was not aware about cibil and its imporatnce like wise if i know how cibil is important i never make any single bounce ..earlier my take home expense by the compny was not on time due to that some late payment happen but i made all payment in some month but fortunetly banker agents didnt submit on time same way i finished and clear all my personal loan but its really eye opener for my that after clearing all my cibil is not improve it get droped down by 100 points ...i dont know how if you please look into this and help me to improve it i will be thank full to cibil team.

Manager Customer Assistance
CIBIL

Dear Sir,

Member :- Sharat Nath

Member Id :- BN01081027

Re :- Your report dated 05/10/2016

We refer to you page No 5 of your report dated 05/10/2016, Loan Date 26/12/2008, amount 5, 20, 164 and status showing Account Written Off/ Sold.

I wish to bring to your notice that I have cleared all the dues and received No dues certificate and enclosed .

You may please note that my repayment record is being shared with you (CIBIL ) and other reference agencies and this could impair my borrowings capabilities in future in case of a delinquent repayment of history.

I am requesting you please update your record immediately and withdraw my name from your record, other wise I will contemplating Legal action for the mental and financial torture, I am undergoing presently .

Thanks & regards

Sharat Nath

I requested for cibil score paid 550 using my credit card they deducted the money and after that I got error stating technical error.my name is nazeem contact number [protected].there is serious cover here or its a scam...I have seen similar complaints for the same.if not resolved within 48 hours I hAve to escalate this to my lawyer...it's not matter of money but professionalism.

Issue started after a cashback amount of a proximate 9000 was paid against mobile purchase.
Difference of 100 rs issue was not accepted by customer care & left as it is.
I even stopped using credit card before any more shopping.
The exact reason is not recollect able but I still have that confidence that I paid back some 9000 Rs before HSBC started 100 Rs difference.

As communication with a bank for my new job, hr said my application is on block due to my Cibil account showing overdue.

Need callback or assistance related with my PAN : DXJPS7460F

Contact number: [protected], car.[protected]@gmail.com
Name: c sudhakar

For the past 5 months I don't get job and struggled a lot with my tight financial situations. Almost 70 interviews I had attended over this tenure. Even though I clears the face to face interview and yet I could not able to get the job.

The reason behind is because of my Cibil account overdue problem during background verification.

Finally the recent company only advised that my Cibil account is showing overdue during verification. I need a help by how to clear my Cibil overdue immediately and whom to contact for this issue as they given the deadline of 2 days only for clearing it immediately.

I do not know why banks and financial institution are depending on cibil score .how cibil people can sell our personal details to third party without our consent and they are giving fake details, for example i did not take any credit card from ICICI BANK, but they are giving icici credit card details in my cibil score.cibil people looting money they debited rs 550 two times from mykotak bank account without giving any details.i made e many calls but in vain, call centre people unable to give any details otherthan system failure. I came to know this people selling our details and projecting fake liabilities in our details .do not pay any amount online, we will not get any details

Sir
Requested to you that as per bank statement only Rs. 8000 is due. But sir i have already paid to bank Rs 8000/- in three installments on dated 14.02.2008, 08.03.2008, 13.03.2008 and 20.03.2008.
So pls remove this overdue amt from my cibil.
Thanks

Tejinder Pal Singh
h. No 289 shivala bhayian
Amritsar-143001
m. No [protected]

I am badly fed up with the CIBIL as they have made a problem with the CIBIL report due to which my 1.5 lakh loan got rejected with the ICICI bank due to high credit. i have attached old cibil report and still waiting for the update one.
If i ask with bank people they will say CIBIL people have done mistake and if i call the CIBIL customer care they will say its bank people who provides the details. here whom should i trust.