Credit Information Bureau India [CIBIL] Complaints & Reviews

MY NAME IS MAHENDER SINGH. I HAVE APPLIED FOR A LOAN IN KARVY. MY CIBIL SHOWS THAT I HAVE 2 PAN CARDS. MY ORIGINAL PAN NUMBER IS BGYPS0522E. MY DOB IS[protected]. THE OTHER PAN NUMBER WHICH IS REFLECTING IN CIBIL IS BDLPS7343R AND MY NEW DOB SHOWING IN THAT IS[protected]. BUT I HAVE CHECKED ON PAN SITE THE JURISDICTION OF NEW PAN NUMBER IS HOSHIARPUR, PUNJAB. Request you to please resolve my query and get my CIBIL rectified as I am facing...

I try to buy cibil score so While filling the form to generate the CIBIL score, An error was generated in the authentication window as "insufficient question, regret inconvenience" . My registration Id is SCO[protected].I want refund against the above mentioned registration IDs

Hello All, Greetings for the Day!!! I am Manindra Agrawal. Have Applied for Credit Card of SBI (Simply Save) After 10 days the SBI Executive Whatsapp me, 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. Thanks Manindra Agrawal Mobile No- [protected] DOB[protected] PAN Card No- AMBPA9812B Address:- Mahagun Mansion Flat No- 202, Osimo-1 Indirapuram Ghaziabad (UP)-201014

I KULDEEP RAI S/O. SH. CHAMAN LAL HAVE AVAILED CAR LOAN (A/C.NO.[protected]) FROM SBI SHAHKOT(01791) BRANCH FOR RS. 5.00LACS. THE SAID LOAN IS DISPLAYED IN CIBIL REPORT TWICE VIDE CIBIL CONTROL NO.[protected] ALSO, I HAVE AVAILED HOME LOAN (A/C.NO.[protected] FROM SBI SHAHKOT (01791) BRANCH FOR RS. 7.00 LACS . THIS LOAN IS ALSO DISPLAYED TWICE IN CIBIL CONTROL NO.[protected]. KINDLY ARRANGE TO RECTIFY/DELETE ONE RECORD OUT OF TWO SHOWN IN CIBIL REPORT THANKING YOU CONTACT NO. [protected]

Sir, I Dipty Chand Singla S/o Chaman Lal Singla phone no. [protected] had taken an auto loan from state bank of patiala housing board branch for Rs. 303999. I have already paid all the installments of the said loan and the loan account was closed by bank on 18/03/2015. While going through my cibil dated[protected] control number[protected] i have come to know that same car loan is still appearing in my cibil. I request you to kindly update my cibil and show that car loan balance as zero. i am enclosing herewith copy of bank account statement and closure certificate from bank.

hi i am ashish pattanayak having PAN no amlpp2303g and my dob is[protected]. I had taken an auto loan opened on[protected] and sanctioned amount 3, 13, 000. The same loan is reflecting twice in my CIBIL. Requesting you to rectify this error and ensure this perticular lonn should reflect only once.

I have applied for CIBIL report on dated 15.02.2015 in my name Himanshu Singhal./In the report it is said that I was sanctioned loan amount of rs 1, 00, 000/- on 22/09/2014. Fact is that I have taken loan istead I have applied for DDA housing scheme 2014 and SBI is accepting application of DDA scheme on prepayment of Rs 3500/- as interest of application money of Rs 1, 00, 000/-. I have deposited three cheque duly signed my money. If the flat is alloted to me than they encash it . I was not lucky enogh to get flat in DDA lottery system and amont deposited on behalf me was refunded to SBI directly by DDA. For their paper work they shown that loan was paid to me.As soon as they got back amont from DDA they have removed that loan from my name. But in my CIBIL rating my credit rating is reduced on false loan. Pl get it confirm from record and amend my report as I reiterate that I have not taken loan and no question arise for default as SBI has sufficient to recover any amount from my bank account in which loan was shown and my bank has sufficient amount . Thanks Himanshu Singhal Pan No BBDPS2843C

MISHA RAMACHANDRAN KONNIYOOR VEED NEAR PALAKKULAM AVALOOKKUNNU PO ALAPPUZHA Sir There are so many closed loan accounts in my CIBLE.That makes me much inconvenience.So I kindly request you to remove these from my account as soon as possible. The detailes are given below. Rs.15600 opened on 27/04/2007 and closed on 19/01/2008 Rs.2090 opened on 24/02/2007 and closed on 19/01/2008 I can't even locate the above two accounts Rs.50000 opened on 06/03/2013 and closed on01/08/2014 Rs.49500 opened on 18/07/2013 Rs.15540 EMI of homeloan shown as due but I collected the statement from HDFC there is no dues exist .So I expect you will rectify the mistakes even I didn't notice .So I request you to recheck my CIBLE and remove all the unnessassary accounts that shown as closed at the same time pastdue.Please do it urgent. Thanking you Yours faithfully MISHA RAMACHANDRAN

To, Date-21.05.2015 The Manager, CIBIL Mumbai . Sub-Reminder of dispute made on 22nd January 2015 Regarding correction in cibil report. Respected Sir, With due respect I want to reminder you that on Dispute ID - D[protected] Raised on date 22nd January 2015 .I have requested to correct my cibil report. I received a reply from you that the issue will be resolved in 30 days, It's almost 4 months I am waiting for your response still no progress. Am attaching the Dispute documents and No due certificate . Please resolve issue as soon as possible, Because of this my cibil score is very slow and am not even getting any loans from any banks.

my name is chander prakash. I have taken house loan from DHFL in november 2013. But when i tried to have personal loan i am facing problem that cibil is showing some of Rs.893528 lacs. other loan which i have not taken or applied from any of other bank. Kindly resolve this issue as i am under very deep mental pressure. My email id is chander.[protected]@gmail.com. Please revert soon. waiting for reply.

I Jaswinder Pal Singh, resident of Dakha College Road, Mandi Mullanpur, Distt. Ludhiana, having Pan No. AFIPS4219L. In my Cibil Report a loan Type : Business Loan- Priority sector- Agriculture, sanction Loan Rs.25000/- overdue outstanding amount Rs.17032/-. But I am not taken any such type of loan and no overdue outstanding from me. Please remove this outstanding from my report as soon as early. thanks Jaswinder Pal Singh

From: M.Ramesh Munuswamy. D.O.B. :17/02/2015 PAN NO :AKJPM2563K Mobile :[protected] Email :dmconstruction.[protected]@gmail.com Respected Sir, As i was signed for a surety to my neigbour for the car loan at Canara Bank Hospet main branch bellary dt Karnataka i am providing this letter. Because of the outstanding of the four EMI my cibil score has been decreased[584] and finally we have cleared the outstanding on 08/05/2015 and the bank provided the clearance certificate to myself. but till the status of the cibil score is in same level [584] so i it is affecting myself and my Business and also my loan which is in the sanction stage. So Kindly verify the clearance certificate and consider this problem for my cibil score improvement. The proof {clearance certificate} photo and Id address proof has been attached with this complaint letter and please do the needfull for Myself. Thanking you

IN REFERENCE TO LOAN CODE NO 00009005 CUST CODE 00911919 APPL NO.00810957 FILE NO 00014209 IN THE NAME PRASHANT KUMAR TIWARI . I WAS APPLIED FOR PLOT LONE TO DEWAN HOUSING FINANCE CORPORATION LIMITED (INDORE) BUT THEY ARE SAYING THAT MY LOAN WAS NOT APPROVE DUE TO MY NAME WAS MENTION IN CIBIL REGARDING ABOVE MENTIONED LOAN DETAILS. I AM ONLY GUARANTER OF ABOVE MENTION LOAN, SO KINDLY REMOVE MY NAME FROM CIBIL ( DEFAULTER LIST ). MADAN MOHAN TIWARI

Dear Sir, I, Bipin Kumar Agaarwal, have applied for CIBIL report in which an overdue amount of Rs. 2/- is shown for more than 180 dyas. Please provide the detail of credit card in which overdue is shown. Complaint Detail: Consumer: Bipin Kumar Aggarwal DOB:01.11.1965 Date of Report: 17.03.2015 TIME: 11:31:31 Control Number:[protected]

To, Date-18.5.2015 The Manager, CIBIL Mumbai . Sub-Reminder of complaint made on 8/5/15 Regarding correction in cibil report. Respected Sir, With due respect I want to reminder you that on dated 8/5/2015 .I have requested to correct my cibil report.Regarding this there is telephonic call to me from your office and the person from your office was demanding 40000/- to short-out the matter . I cannot understand this demand .You are requested to look into the matter Thanks & Regards Surender singh D.O.B-15.09.1978 PAN NO- DBFPS3835G M.NO-[protected]

I MD. SHARFUDDIN MEMBER ID BS0011064 PAN-AJPS1331H WANT OO INFORM YOU THAT MY CAR LOAN ACCOUNT NO-[protected] OPNED : 24.09.2012 SANCTIONED 5, 60, 000 EMI:12682 HAS BEEN REPEATED IN YOUR REPORT AND RECOR D. I HAVE TWO LOAN ACCOUNTS ONLY. PLEASE REMOVE THE ERROR.

Dear Team, I Mrs.Trishna Mandal continuously getting a call from Barclay's Bank from Ms.Ranjni her number is[protected] regarding the credit card of my brother Mr.Chandan Mandal.I told them i don't know anything about this and i am not staying with them after my marriage and also i have provide my brother number to them. But still continuously they are calling me on my office number and on my mobile also.I am fed up with them to tell that please directly contact with him instead of calling me. Request you to kindly do the needful regarding this. Thanks Trishna Mandal

I wish to avail Personal Loan from Bank of India. I approached bank but I was informed that my CIBIL score is very poor. At present I have 2 housing loans from ICICI & Janata sahakari Bank and 1 vehicle loan from Sunderam Finance. I have one credit card from Bank of India. Besides I do not have any liability. I approached banker for availing Personal Loan but I was denied the same and was advised to get my CIBIL Score improved. When I checked for score, I was surprised to note that there were many unsettled credit car ds in my name, some were active with heavy outstandings. I would like to know all details for improving my CIBIL score. Pl. help me out.

hello, i had taken a two wheeler loan from HDFC bank and issued them PDC via axis bank . due to some reasons i had to close the account and asked hdfc to swap the cheques. But the Agent at Hdfc told us to pay the payment as cash to them and i also did that getting all the receipts. anyways i paid all the amount and cleared up the loan with interest after which i got the loan closure letter. now in 2015 i have a cibil score of 786 and i applied for a pre approved loan for HDFC. the loan was 90% approved but got rejected due to the DPD showing as STD for 29 instances. at this stage i feel that having such a good score is not worthy and of no use as it doesnt means people once a defaulter always a defaulter. The accounts and loan which are fully paid should be removed from the CIBIL. please let me know if there is a way out. thanks and regards

Dear Team, High DPD shows in my CIBIL, as per sanctioned amount I had availed one PL from Kotak Mahindra Bank, Agreement no. of the same is SPL 94039, which is already matured & closed and NOC & SPDC of the same has been already received by me as well, Mode of Payment was SI from Kotak Bank & have always maintained sufficient balance, could not able to understand the reason why the same is still reflects, Request you to please ratify the same. Thanks & Regards Biplab Kanti Ghosh Mob:[protected]