Credit Information Bureau India [CIBIL] Complaints & Reviews

Dear Sir,
This is to inform you that i have taken personal Loan from HDFC Bank in the year 2010 December amounting to Rs 150000(One Lakh fifty thousand ) with a term of 5 years and closure done this year February 2015. . To be frank i have very poor repayment history and so many cheque bounces happen during my EMI period . I never thought and realise that it will effect my CIBIL score in future days which will lead to rejection of Loan eligibility. Whenever i apply for any new Loan my loan get rejected due to bad repayment history and low CIBIL score even after closure of my Personal Loan .
So therefore my earnest request to your esteem department to kindly suggest me how to improve my CIBIL Score rating . My current CIBIL score is only 602 . I have been working in different corporate sector since 2006 . My total experience is 9 years and currently am working in Private telecom company Aircel Dishnet Wireless Ltd. drawing monthly salary of 51, 000.
Every human being does mistake in life for good reason, realise for betterman but in my opinion rejecting loan on repayment history and low CIBIL score is totally burden for a person like me . This is too much punishable from CIBIL department . When am badly inneed of financial emergency to safe someone life, with full hope and confidence i have applied personal loans against my salary in different Banking sector but my Loan get rejected due to low CIBIL report . So am compell with no option have to take loan from local money lenders at 5 % interest on monthly basis.
Initially i manage and use to pay interest regularly to money lenders on monthly basis but due to emergency and difficulties situation come across in my family, i started delaying the monthly interest and making habit of paying after 3-4 months to money lender which again my financial position leads to pathetic condition . So to pay the pending interest for 3-4 months i used to take loan from local money lender at 5% interest .My financial position becomes stuck up month on month unable to manage my family expenditure and even unable to pay the interest on monthly basis. This financial burden becomes daily monthly routine till date .
I am really having a tough time, struggling every month and cannot properly sleep due to too much stress . I use to purchased CIBIL report through online every 2-3 months with lots of hope and expectation that my CIBIL score has improved but my CIBIL report remain same .
Therefore i once again request your esteem department to kindly understand my situation on humanitarian ground and suggest me how to improve my CIBIL report . Being a responsible and hardworking guy i want to get rit of this pathetic financial position with the help of seeking financial assistant from private banking sector against my salary to cover up the loan taken from local money lender .

Last but not the least I will be hopefully expecting positive response from your concern CIBIL team.

My HDFC Account details:
Account no: [protected]
Bank name: HDFC Bank
Loan account no: 17582580.

Yours Faithfully,

Khonbemo Ezung
Dimapur Nagaland

e-mail id: Khonbemo.[protected]@gmail.com
Phone no# [protected].

I am in very high pain that CiBil is trying to spoil my credibility. They are continuously uploading wrong information without verifying the details. Guys, if you have same issue then this is time together and file a PIL(Public-Interest Litigation) in the court against Cibil and reported banks. My case is that where many bank and lending institutions posted wrong details and inquires in the report. By this way, I lost score from 760 to 720 and now it is 718. They are reducing score very fast even in 10 to 15 days interval. I have no any default EMIs and credit cards payments in past 2 years. But a bank posted wrong a over due amount of Rs.55734 in July 2015 as over draft account. I never have any over draft account with reported bank. I raised complained on 22nd august with Dispute ID -D[protected] and Another dispute for same D[protected]. Till today I am not getting any update from Cibil as well as bank. By this way I am in trouble because it shows over due and decreasing my score. Another Hand, I inquired credit facility from bank/other lending institutions but they are reporting double/triple entry for same application. Some institutions/bank are reporting on-line eligibility checking inquires to cibil. I raised complain with dispute ID D[protected] on[protected] and replied that all details are correct. How it could be? Report Cibil into the negative list and file PIL and cases in the court. we require to teach lesson to them. I know that CIBIL is not only faultier bank/lending institutions are also same faultier because they are reporting incorrect information to cibil. When we apply for any credit facility, then every institutions check cibil without any doubt, when we need to correct details into the cibil report then they are not serious at all. they never respond properly on this. How could you keep our records without proper verification of the content/details of the consumer? Are you MAD? Are you hacker? This is ridiculous. I will not leave you in anyway I am finding the way of law to teach the lesson. I am not against that loan or credit faultier are not known by banks but there must be only faultier lists not our all personal credentials. there is risk of hacking of details and can be used in wrong way. CIBIL is not Govt institution at all who can keep our personal details by this irresponsible way. Jago Grahak Jago!! Go ahead and help me to File PIL in the court against Cibil.

These Guys have spoiled my reputation, My CIBIL REPORT is showing 500 POints since they have falsified with some one's report in mine, it has 18 credit card & Loan Information where as i have only 3 Credit card & 1 loan. What a Heck job these guys needs to be penalized and punished for spoiling reputation of civilian's its costing me a lot now. I have raised a Case (SR #[protected] & DISPUTE( D[protected] & D[protected] for which they came back and told that its all mine what insane reply. Thanks, Chandru

Dear sir/madam, This is to inform you i have taken two wheeler loan from ICICI bank for my brother. I have move out from ahmedabad to other city for my job purpose & that time brother will manage saving account but ECS not done regularly so he is paying cash all installments.(I have copy also) But still they are not update in his system that i'm paid his loan now please advise what is my fault in this?? NEED YOUR HELP TO UPDATE CIBIL RECORD.

Dear Sir/Madam, I have uploaded the document for Transaction Id:[protected] on 21st August but after numerous follows up at [protected]@cibil.com, I have not heard on the status of the document. Kindly provide an update on the documents, I have uploaded my passport and pan card. Thanks, Rishab

Dear Sir/Madam, I have requested for a CIBIL report online 3 times but all the times the questions displayed are not related from credit history and the authentication failed most of the time. All the times, I was charged Rs. 500 to get the reports. I am currently out town and will need to access my report urgently but failed to understand why the report cannot be emailed to me. Please help to advise an alternate way of getting the report. I have already CIBIL for other service request[protected]‏ ) but there is no reply. Registration Id - SCO[protected], SCO[protected]

I have generated CIBIL Report and my name was wrong. The report contains 17 accounts and only 2 are related to me. How can a responsible company do like this because currently all the financial institutions are referring CIBIL report. Many times my many applications of Credit Card were rejected but nobody told me the exact problem. Recently I applied an application to SBI and they told me that, your CIBIL score is less. When I generate CIBIL report my self, found out that name itself is wrong. In report my PAN and Pasport number is correct, without cross checking the main database, how CIBIL did this. Can RBI take action this because this may happen with many people. Regards, Kumara GH

Dear sir
last time i am working in collection firm raghu nath bazar jammu i am using a credit card of pnb bank credit card no[protected] that time iam not settel my amount thats why my cibil report is negative how can i settele my cibil reports

Hi, this is hari prasad. My pan no. Adcph3194h, dob 20/10/1986. My cibilbreport shows 2 credit cards are been opened. Till date i never been used a icici credit card in my life butvit shows a outstanding amount of about 1 lakh something and card is been taken in the year 2004, i was a 12th standard student at that time. Due to this wrong capture i lost my credit stabilty and score... Pls review this and make the necessary action to correct this stupidness.

I had applied for the Citi bank Credit Card . My application has been rejected vide on the grounds of negative credit history based on a Credit Information Report from Credit Information Bureau (India) Limited ('CIBIL'). A copy of the Credit Information Report with control number[protected] Date[protected] was attached to letter. As per the report, my credit scoring was 716 and scoring factors included the following - 1. Presence of a tradeline 91+ days delinquent 13 or more months ago. 2. No presence of a revolving tradeline 3. Presence of severe delinquency in the past 6 months. However I have paid 500 and got my CIBIL score report control no.[protected] on date[protected]. In this report my score shows 778 and I do not see anything wrong in the report. All my payments are before due date. To my knowledge, I have not been a party to the above defaults and would like to get these defaults cleared at the earliest. I need complete details of the above defaults and the process to get these resolved so that my credit history is cleaned up for any future transactions.

Dear All, While applying the housing loan to SBI, I came to know that subject amount is due in CIBIL. I have never approached to any finacial institutes before apply to SBI for any loan query. Due to CIBIL outstanding, I am facing to get my present loan from SBI. Kindly resolve the subject issue asap otherwise I will esclate this issue before the Manager-Consumer Services. Look forward an early and positive reply from your side. with best regards Manoj Kumar [protected]

Our cibil id in the name of state bank of patiala borivali east branch mumbai is not opening despite punching correct user name pw, user name is bs00062196. Error displayed is login details are incorrect. Please try again or contact bureau.

Hi May Name is Deepak Sharma, I have recently applied for a personal Loan from HDFC bank, after processing the file i got a call from HDFC stating that my loan cannot be processed as in my CIBIL records 2 loans are reflecting 1. HDFC Persoanal Loan 8.5 lacks starting from 2012 (which is Valid) 2. HDFC HOME Loan 49 lacks starting from March-15 (Which i have never applied and never got any payment also not paying any EMI.). I want get my CIBIL records corrected by removing the HDFC Home Loan which I have never applied. Please help me. My e-mail id : [protected]@gmail.com PAN No. : BQUPS3433A.

Hi Dear SIr/Mam, This is to inform you that my name is Smt Saroj Srivastava W/o Bhanu Prakash Srivastav Working for Primary health center bhattat Gorakhpur (u.p.) SBI A/c no. [protected] Branch- SBI dharamshala bazaar Gorakhpur R/o HN. 4E sudiyan kuan basaratpur west near aluminum factory. Post- basaratpur dis. Gorakhpur. Ph. [protected], [protected] I am sending you this mail regarding my CIBIL score which is showing in my CIBIL details but for kind your information I haven’t take any loan in year 11/05/2012. I just want to know about the main person who has taken this loan amount and updated me as a co-applicant which I didn’t understand. And due to this I am unable to take any other loan which is very urgent for me so kindly tell me about the main person and pls document or send me all the details on my email id related to the person and also pls see the attached document. My email id is - [protected]@gmail.com So pls do as needfull. Thanks & regards Saroj Srivastava mob- [protected], [protected]

Our Bank Name is: The Kodinar Taluka Co-operative Banking Union Ltd. our Membership ID CS5119, we are send to annual fee as on 17th June by NEFT, but not any acknowledgement or any response our mail from CIBIL so we are request for guidance for Data Submission and user ID password utility

My name is Faisal Guliwala.Add. 3901, Mota Bamba, Opp. Municipal library, Jamalpur, Ahmedabad-380001.Mob. no. [protected]. I have no credit card, no loan eventhough my poor redit score generated. On base of it my credit card applications rejected. How my credit score generated?

I have made a payment approx 04.30 pm on 06.07.2015 but the crisis is I did not receive CIBIL Report after it a screen appeared as no questions available for further query. I have made payment my 500 is waste now I do not have report. Do needful expedite. I have transaction id of payment made

My name is niranjan kumar dubey. I am teacher at govt. P s school raajpura. I applied in state bank of india ratlam br for personal loan but manager informed me that i am defaulter on rbi site. Please do needful and oblige me because in best of my knowledge i am not availed any loan. Thanks
My pan card no abopd0873f, my voter card no ngf0974576, m no[protected], dob 10 / 07 / 1963 add - ridhi siddhi colony viriyakheri ratlam 457001

Sir, I don't have any liability of loan. My all loan is clear . My previous personal loan from city finance but I cleared it three years before. Then why may credit card disproved? I need credit card so please do it needful how I can remove my name from this list. Can you please tell me about it? Abhijit Tagare Ph :- [protected]

Dear Sir, My name is Nurulla Shaikh and my pan noCGFPS4891E and date of birth is 16 march 1981. MY CIBIL report shows that i have taken credit card on 11/2/2003 with credit limit of 1.5lacs and used it for Rs 1, 44, 971/- between 2003 to 2005.and the report shows its Written Off startus. Whereas during year 2003 to 2006 i was a student and didnt carry even a debit card. I DIDNOT HAVE ANY CREDIT CARD.BUT MY CIBIL REPORT SAYS I HAVE USED CREDIT CARD. I never got any one call from any bank that i have applied any credit card or made any payment or any dues since 2003. I came to know this when i applied for the loan and it is got rejected because of this reason. Whom do i blame for this discrepancy and my bad cibil records.Please help me in clearing this false record against my name and improve upon my CIBIL score.As all my loan application has got rejected because of this false information in CIBIL report. Thank you Nurulla Shaikh [protected]