davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 with phone calls. Each time I got their answering machine and was told my call would be returned  within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX US Dept Ed XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hello, I noticed some authorities inquiries on my credit and is asking them to be removed. I am aware of the FCRA and I know that these unverified accounts must be removed. Below you will find all the unverified accounts that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  # : XXXX, XXXX, Account Name XXXX XXXX XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX XXXX : XXXX, Account Name : XXXX # : XXXX, Have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (PA)

I received a debit card in my name from Chime through the mail. I do not have any dates for when exactly it was received. I first got it on XX/XX/, so it was from this week in the mail. I was not given any specific details on the amounts used or taken, however, the company closed the account immediately and I would not be held accountable for any balances. No money appears to have been stolen from any accounts.
Consumer complaint received 2020-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I am not sure where to direct this, however I will explain the situation here. 

In XXXX my daughter received an email from a professor at her school that offered an opportunity to make money. My daughter applied and they sent her a check to deposit so she could purchase products for them. I am sure you are familiar with this sort of scam. 

In XXXX she went to the store and tried to purchase the products. However, the check had not cleared the bank. She called the bank in response to the denial of her purchase and the bank went ahead and actually cleared the check and made the funds available. Then she was unable to complete the purchase due to the cost being higher than her ATM limits. Once again the bank jumped in to lift those limits and to allow her to buy several times the daily limit worth of product on a check they prematurely cleared. 

Of course the check didn't clear in the next few days. We talked to several different departments at the bank and then about a week ago, after the bank closed her account and my credit card account with them, they took money out of my checking and savings, as well as my son 's checking account. 

I believe that many people are culpable in this. Her school needs to have better security so people can't use it to prey on students. Her bank however intervened and basically set her up and then took her down. They were the most active participant in this scam. If the bank had served its client rather that set her up, this never would have happened.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am requesting the credit card company provide all audio tapes from XXXX through XXXX to show I tried to cancel the card in XXXX, I took my ex off the card in XXXX. This information was confirmed to me in phone call in XXXX of XXXX.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

i am being charged XXXX on my mortgage. my loan to value is better than 80 %. i will make my payment less the XXXX please have someone call me to reconcile this issue. i called and talked to a rep and they forwarded me to another department who was supposed to call me back and never did.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, CEDIT BUREAUS AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have stated that the following inquiries where done by someone who had stolen my laptop all were done online without my knowledge or authorization. Please Delete all the unauthorized inquiries listed below. 
XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have stated that the following inquiries where done by someone who had stolen my laptop all were done online without my knowledge or authorization. Please Delete all the unauthorized inquiries listed below. 
XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  - XXXXXXXX XXXX  on XX/XX/XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, CEDIT BUREAUS AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.
Consumer complaint received 2020-01-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have trasferred {$10000.00} onXX/XX/2020via Wire to XXXX XXXX XXXX  account. Receiving bank has not received the fund while send bank Capital one is telling me they do not have my fund. I have not clue where my fund is and Capital one Bank is not helping me to get fund back. 

I have transferred {$1000.00} via Wire to XXXX XXXX XXXX  with same account. XXXX XXXX  received it next day. 

Here, I have lost {$10000.00} with no way to recoup $ from Capital one after 13 days.. They are telling me to wait another 10 days. If I do not receive response, then $ is lost even though all information provided to them is accurate. 

Not sure what to do here.. It's fraud.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Professional Debt Mediation, Inc. (TX)

This company is calling prior to XXXX XXXX and leaving long voice mails of nothing but air and breathing. I looked up the number to see it was a debt collection agency by the name of Professional Debt Mediation , Inc .
Consumer complaint received 2020-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called Capital one credit card in XXXX of 2020, regarding a fee waiver, because i knew that my account was going to be hit for a {$39.00} annual fee, they said they could not do anything until the fee is assessed and posted to the account and that if i called back in i would definitely get it refunded. I called capital one on XX/XX/2020, regarding the annual fee waiver, i noticed i only got a {$3.00} " membership fee credit '' of that {$39.00} annual fee. 

I called and spoke to a representative, they " looked into it '' and said i was " ineligible '' for the entire fee to be waived. I informed them that the rep that i spoke to in XXXX stated that without a doubt, if i called back in i would be refunded that fee. I asked to speak to a member of management, who reiterated that i would not be eligible for the fee refund and i informed her that due to the previous conversation and that it was promised i needed to speak to her manager, or the manager of the previous representative i had spoken to. she stated that she did not have anyone else she could escalate this up to, and that she could not get me in touch with the other representatives manager. 

at this point i ended the call after verifying that we were on a recorded line, and informed her that i would need to speak to an attorney regarding this matter. 

in order to keep my business with capital one i attempted a call on XXXX to see if there may have been a mistake and if i was able to get that fee waived or if there was another way i could get a better benefit like a balance transfer with 0 % interest that would offset the annual fee that i am going to have to pay, in which i was told that the offer that i was eligible for, was 13.99 % on balance transfers, which would not save me any money. 

at this point i would like capital one to credit my account for the annual fee, which was promised to me in XXXX.