Credit Information Bureau India [CIBIL] Complaints & Reviews

Sir,

I have applied for a personal loan of Rs 3,80,000 in HDFC Bank and I do have a similar loan in HDFC of 2,50,000. I have an ICICI Credit card which had a limit of 95,000. Current Outstanding amount for Credit Card in ICICI is 20,000. I have requested ICICI people to convert this total outstanding into EMI's. They had a feature "SMART EMI". They converted the total outstanding into EMI's. EMI's were...

I am frustrated since I had applied for a small education loan amount of 88000/- from Credila, Nasik. I have been offered for a good education program of 6 months called "Diploma in business consulting" from Aegis school of business, Mumbai. Initially I had borrowed, home loan of 2,97000 & small consumer loan of 50000 of which I am paying regularly. However, credila team cited that My CIBIL report is showing 6,11,591/- amount...

Dear sir,

almost a year back I have lodged a complain in CIBIL towards various discrepancies in my CIBIL report. I made repeted reminder to them since then but without any solution for this problem. I am helpless and requesting your mediation to resolve the issue.

I would be ever thankful if I get a solution to this problem through you.

The complain letter what I send to CIBIL dept year ago is...

Dear Sir/Madam,

I have made three credit card settlements in the year 2006 & 2007 & also taken the settlement letter from the concerned bank for the same. Recently i have applied for PL but the same was rejected as per the status shown in CIBIL. Apart from the credit card all my other loans are upto date and i am paying them regulary.

If the settlement of accounts are counted as defaulter then these...

In their credit report dated 27th Sept. 2010 (member reference[protected] CIBIL indicates that an amount of Rs. 491948/- has been written of by a Credit card company called "SHAHA" . To the best of our knowledge no company by that name exists for issuing credit cards and further we are totally unaware of any loan outstanding either. Despite several written attempts CIBIL fails to respond. For several months we are unable to reach...

Dear Sir,


I have approached to SBI ( RACPC-RAnchi) for loan to buy flat at Kolkata.
Have submitted all the document pertaining to this. SBI have shown keenness to disburse loan against my proposal.
But as per SBI my CIBIL report is not clean. And told that CIBIL report showing WRITTEN OFF against un named credit card.
Bur sir , best of my knowledge goes, I did not keep any thing pending / out standing...

I ha d applied for home loan from LIC housing finanace and they got my CIBIL report which shows loans which has been foreclosed as still pemnding and also loans taken against my fixed deposits which in no way affects my credit rating as I may pay back or allow it to be settled against my FD.this type of report spoils the impression financial institutes get about individuals.
I think they should have penalty clause for institutes which...

Hi Sir’s,

Name : Ramamoorthy. R
Loan# : LAN LTCHE[protected]
Bank : ICICI 2 wheeler loan
Vehicle# : TN-22 AY1027 (Bajaj Discover 125)
Pan# : AYIPR3027L
Address : 3/98 B, Madurai Veeran Kovil street, Medavakam, Chennai – 100.

I had taken two wheeler loan at ICICI, and...

cibil has classified me as a defaulter on the complaint of SBI which was settled long back in 2006. amount is just 29375. i have availed and closed lot of loans after that. i have not cheated any bank but only banks have dissapointed me by their inefficient service. i was informed that even if i paid not settle this amount with SBI, there is no surety that cibil will remove my name from defaulters list. i am a victim o[censored]njustified business...

Respected Sir,

I am writing this complaint and expecting a positive response.I had applied for home loan and my application got rejected as my name is reflecting in CIBIL.I had already settled my dues with the credit card company long time back,but still my name is reflecting on that site.If CIBIL is functioning in alliance with other banking and financial organisations its there responsibilty to keep there data updated and...

May I know who has given rights to CIBIL to publish credit reports for the individuals seeking loan. Especially showing them as defaulters from the data received from their members, without sorting explaination from the individuals whose credit note they are publishing. Is it not their duty to give a chace to other parties to clear their position before giving their final report....

RE:Credit report dated 27th Nov,09, control number-41,35,45,290.

I hv applied for Home loan to and as per them the Credit report they hv recd from CIBIL is showing
some overdue payment of SOME Credit card Amt Rs 35,176/- as on dated 2nd July 2010 which was originated on 8th Dec 2004 of Rs 50,000/-.
But in my Credit Report provided by CIBIL there is NO mention of this.
Even after my several follow up &...

I maild this mail to then near by 10 times then they reply me to submit detail tose details also i submitted near by 15 times stll they r not picking up nay call and not replying any mail
its a pig problem for my further oanl if they r ging to to do like this i case a file in court against then .
m mailing u the concer mails n converstion wat held between us

Fri, 19 November, 2010 12:28:30 PM
query for...

My name is Sunil Kumar. I have applied for car loan , but all banks refused to sanction loan based on CIBIL report. In my CIBIL report , it shows overdue of amount RS. 2,63,282.00 on a citi bank credit card (xxxxx7013). I never have this card.I also talk to Citibank regarding this and they say that this is wrong information in your CIBIL report. They also give me the full number of this card ([protected]).


I have...

Cibil and ICICI bank people are making fool to the people by putting their name on defaulter list which is affecting our credit history. In my case I had no outstanding due for ICICI bank company, while applying for loan Today I came to know that my name is appearing in CIBIL which is quite questionable. When I tried to speak ICICI employees they said they don have my name in their database access which is not possible cos I have been using...

Hi..I had applied for a housing loan & while on counselling came to know that one of my credit card used in 2007 was written off by the cc company ,,even though the balance said "0" i definetly want to know which is the credit card company who has given this false information...till date there is no default in my cards used & i have other loans which is also getting paid ontime.. pls provide me the details at the earliest...

I have been received a printout by CIBIL regarding the overdue amount of Rs.1005/- which is out of my knowledge. I dont know where this amout doing outstanding. Sir please guide me where should I contact. Please inform me on my cell number [protected] or my email id as under: [protected]@gmail.com

HARISH GROVER
335, SECTOR 20 CHANDIGARH...

Hi Sir,

I have settled and cleared all my accounts and credit cards by January-2010, but my name still appears in the defaulters list of CIBIL. This makes me think of the reliability of this CIBIL. Because when the data is not being updated in such crucial thing, i do not know how it is going to help the customers of the Bank to take loans etc.

Can anyone suggest me a way to get my name removed from CIBIL ASAP.br...

Hi,
My name is Kamlesh Prasad Vishwakarma , I was taken car loan from HDFC bank and it was cleared in Mar-2010, HDFC has also being given us NOC at same time,
Recnetly I have applied some other loan from SBI, but as per CIBIL reoprt my name is reflecting as dues holder, when ever it was cleared 6 month back and I have submited proof letter to bank also.
It is requested to CIBIL pls up date yours records properly before...

I am regular user of a credit card, I was using ICICI and City Back Credit cards earlier.

But due to some wrong transactions in my statements, I refused to pay the charges for these transactions.

Generally I keep all the copied of the transaction with me, and after receipt of the Statement I verify it and destroy the slips.

In this case non of the Bank could able to show me the proof of the same,...