Credit Information Bureau India [CIBIL] Complaints & Reviews

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.

Dear Sir,

I gon through my CIBIL report i found below problems.

1. Citi Bank never issued me Cr. Card & never used Citi bank Cr. Card in my life, but reflating in CIBIL report.
2. I never applyed American Express Cr Cr. Card & never used in my life, but reflating in CIBIL report.
3.My SBI Cr. Card closer amount reflating 3 times in CIBIL Report.
4.Personal loan of Rs. 50, 000 reflating 2 times in CIBIL report.

Please resolve the above issues to enhance my CIBIL score.

Thanks & Regards,
Vijay Kumar Prabha
Mob:[protected]

I took an agricultural loan of rs. 125000 from pnb dulhera on 25/10/2010 i got rs. 124348/- which i update regularly. But recently i have to apply for car loan in the bank and i came to know that my loan was updated on 12/09/2016.in my cibil, the update of rs. 124986 on 12/09/2016 is correct but apart from that the old ones are not removed yet. Kindly remove and update correctly. And there are one other loan showing in my cibil for which neither i applied for nor i had. Below given are the details of loan:
1. Date-26/05/2011 & amount sanctioned-rs. 115000
Kindly remove these above mentioned loans from my cibil report and update it correctly."

There are additional loans reflecting under my account.Some of the accounts are not mine. The only loan i have availed is a home loan. I tried raising a dispute on the website but unable to because of some validation errors on the website. Kindly let me know how i can contact you to provide clarifications or help me raise a dispute on the website.

The actual validation which is failing is in the gender drop down.
Asking me to select a geneder mandatorily but no options showing up in the dropdown,

I have availed a personal loan to the tune of rs. 1 lac from SBI karan nagar Jammu (j&k) under account number [protected] . Due to some constraints my loan emi become overdue . However i settled my loan later on and receieved noc in this behalf during 2009.
But unfortunately depite clearance of loan and having a cibil score of 809 my cibil report is still showing overdues for this personal loan.

You are requested d to share my concern with bank authorities .
I had to avail further loans and wrong reporting is causing hindrance.
Matter may be treated urgently else i have to move court of law.

Regards
Rajesh lakhan
s/o sh. P.C. Sharma
e mail [protected]@gmail.Com
mob [protected]

Need detail information regarding such low SCORE OF 300 AS IT SO AUTHORISED PERTAINING MY CREDIBILTY N HENCE NO COMPLETE SOLUTION TO MY ISSUE AS PER TODAYS CONVERSATION
MANIPULATION OF MY CREDIBILITY ; a consideration being breached.
telco at the no.-[protected]
no response till yet as it so define` the credible money as negative credibility
to my stand worthiness.^
since all its showing as indebtness factor due to breach of consideration

Sir, I am Hanumeshwari, I am a government employee . I have been ditched by husband during 2005 . He left me with many credits on my head . At that time I have settled all the issues by raising personal loan from my bank. Later i struggled and was never a defaulter to any one. But still my cibil score reminded the same. Sir is it that if anyone is in problems for sometimes. Does it mean that they are culprits for ever. In my case if my husband has deceived what can I do. I trusted him is it my fault. People who show wrong details are praised and given crores of rupees as loans though they are defaulters. But a single lady who is sincere to tell that I am duped by husband is punished. I request you to go through my cibil score and inform me why is it so even after 10 years . I actually want to raise loan for my daughter 's higher education. My salary is 60000 p.m . My bank account has not a single cheque bounce in last 10 years. I want to know how this issue can be solved

Dear Sir,

I am Ashwani Singh Bais ( PAN Number is AMEPB3669C ) and my CIBIL score is 645 which should be higher side.
I had some overdue amount Rs.112 whit SBI credit card number [protected] which i have paid in the month of 21/06/16 and closed/inactive the cad .Presently i don't have any pending amount with SBI CC. I also communicate to SBI CC division regarding CBIL score problem, they told me SBI already informed to CIBIL department on 10 august 2016 for Mr. Ashwani Bais has no overdue with SBI credit card.

I also received no dues letter from SBI bank and same attached here for your information.

Please update my correct report for inactive the SBI CC & CIBIL Score.
so i can apply for personal loan accordingly .

Dear Sir,

With all respect, I would like to inform you that I have applied a housing load from HDFC Bank Kanpur on 11-Oct.2016, and there I get to know that there is a consumer loan on my PAN card number.

But I did not ever apply for any loan earlier. So pls provide me all the details of the loan with EMI payment details if any loan is there.

The details are below-

Control No-[protected]
Reference No[protected]
Name- Pramod Kumar
DOB-12-Aug-1980
Gender-Male
PAN-BCJPK7876E
Mob-[protected]

Requesting you to do the needful at earliest, and way-out for the same.

Thanks & Regard
Pramod Kumar
email-akhelesh.[protected]@gmail.com
mob-[protected]/[protected]

I applied for a CC in 2013 and income details were provided, CIBIL still has same income details on their database (which is leading to decrease in my score), When i want to update it, they says fix it with credit institution. Please let me know how can I update my details. Recently applied for a consumer durable loan and they said my score is low, I paid 550 and checked my score and it is 774, is it a low score? don't quite understand this. My point is if you want to maintain financial data, which is ever changing, be accurate, if not this will not make sense at all.

Hello sir my name is balkrishan i am from new delhi i am apply personal loan in cibil bank but he said i have taken a laon sir i did not take a bank loan my name is coming on cibil i have taken a loan but i did not do this on a bank loan unless, that i will not delete my name from the loan taken cibil HDFC bank will not pass until my loan
sir please remove my name from cibil may

my name is balkrishan mehra
my mobile no is: [protected]
my emal id : [protected]@gmail.com

MY pan no. ADOPS7397H, and I went for a consumer goods purchase thru Capital First finance, and my score reported 642.

Please let me the low score, as I do not have any home loans, conumer loans, and only availed 2 consumer loans from Bajaj EMI card, and paying regularly. Even I have only one credit card and no overdue and DPDs.

It was 876 in 2011 and how receded to 642?

N Satish
[protected]

Dear sir i am lokesh your cibil update my profile issues wrong than my personal loan rejected please correct status update me sir
my hdfc bank personal loan rejected number: 42815004
then your update in bike loan for me wrong issues loan number:24855717 and bike number KA53EC2612
please sir give me miss-mach letter pad
then i will apply in personal loan
my pan number:ANDPL3463C
Election identity card number:WYG0610048
Aadhaar no:[protected]
my company address :biocon limited
20th K.M. Hosur Road Electronic City P.O Bangalore tel no:[protected]
employ id: 10012038 my contact no:[protected]
mail id: [protected]@gmail.com
then i have added in my copy in add photos please solve this problems sir
thanks you sir
lokesh r
mob: [protected]

Dear Sir/Madam
Good After noon.
I am really frustrated and sad the way the credit worthiness of an Indian citizen is derived here in India.

A person can be a best customer to the bank till six month before. a genuine financial issue will make him a defaulter and not eligible for any further facilities in India.
Is it not sounding absurd?

Im one of the victim of these kinds of incidents.

I lost my job in Oct'14 and till March 2016 I was honoring all my commitments on due dates with out fail. Infact I sold my belongings to keep my commitment. All the banks appreciated. But after that things become very complicated when I didn't have anything to sell even.. and I had to delay my payments to all of them except for citi bank. I went to citi bank Chennai in person and explained the situation. the only answer I got is we cannot bank's policy. eventually, they write-off my account after charging 3 months interest and reported to cibil.
There is other case.. because of delayed payment or EMI bounces, the other financing companies charged bounce charges and collected all, inspite of repeatedly telling them to change the due date from 2nd or 5th of everymonth to 17 of every month as I used to get some money from my part time consultancy services. All of them refused and insisted to keep the dates 2nd or 5th.
in both the cases, the customers' side is not reported anywhere and the so called Banks updates the customers as a defaulter.

I remember, When Mr. Rajan was the RBI governer, the sudden Job loss situation and unemployement will be looked in to before its moved to NPA or the other stages.

What did the banks do? nothing.. projecting them as the holy and making the customers defaulters.

Not all the customers are willfull defaulters. If I wanted to default the banks or financiers, no need for me to sell all my assets and pay to bank. I should have told them that I lost the job.

Now CIBIL reports my cibil score as 497 and im not eligible for any loans.

Im in job from August 2016 in a big MNC and I am In a position to pay my loans back and re-structure my credit profile by taking a fresh loan.

All my avenues are closed just because these banks one sided report.

Also, CIBIL acts like a puppet of these banks and just update the members profile with one sided information.

How can we accept this? are we not deceived by our Law or banks using the loophole in the Law?

How to take up this issue.. can any one help me..

Thanks & Regards

Ramesh

Hello All, Greetings for the Day!!! My name is praveen Kumar Singh. Have Applied for Credit Card of Axis bank, After 2 days the got update that Yours CC has decline due to yours CIBIL Score is 0. I don't know me much more about CIBIL but i surfed on Internet and known that CIBIL will score all yours financial transactions of Credit Cards and loans. I understand concerns of CIBIL. But I have Some following Points please consider it 1- I Have never Applied for ANY LOAN and I have no any LOAN 2- I Have no any Credit Card yet. As per my know CIBIL will give Score on basis of above 2 cases either you have any loan or credit card But in my case I HAVE NO ANY LOAN AND NO ANY CREDIT CARDS So How CIBIL has been awarded me ZERO(0) Score ???? Any person will Apply first time for any Loan or Credit Card so at first time how my CIBIL score is ZERO, As per CIBIL Rules, Person will born with CIBIL Score CARD very funny. So on above points kindly do positive and needful action. So that My Credit Card or Loan may be sanctioned.
Regards, praveen Kumar Singh, [protected]

Sir, to receive cibil report and cir was made online payment through internet banking n forgot note down the transaction id... Then its asked to submit the kyc documents.. Tried a lot to upload my documents but was not able to.. How to upload my documents and how possible to receive my report... Help me sir.. Still waiting and confused to solve the issues... Where should i approach as my amount credited from bank.. Whether i can receive my report or my amount back into my account

Hi team, we are getting calls from credit recovery team+[protected] for one of our face book friends. I hope it is wrong way of calling people when they don't have any relationship with that bank. Moreover he is using all our personal contacts and information. It is a very serious issue of misusing information.
Now around the world we are using do not call registers and other side we are getting this type of calls to disturb. It will be good if there are any regulations around this. It is very shameful issue.

Regret
Satish.

I made a credit card settlement in 2012 with icici.it reflects my cibil.i am unable to apply for loan which is highly required at my present domestic condition.at the time of compromise i was assured for the cibil correction bt it didnt work.my cibil control no is[protected] and the account which was settled is [protected] and present score is 720
my contact no is [protected]
kindly remove it from cibil

regards
amit