Professional Finance Company, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/17/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80111	Web
PFC placed a disputed medical bill on my credit report today XX/XX/XXXX. Summary : PFC File # XXXX / amount : {$360.00}. PFC provided a billing statement with the following information per my written request of an itemized statement : ( Attached ) Patient : she is my daughter. Date of service : XX/XX/XXXX which is a 2 year old bill Provider Name : XXXX XXXX, XXXX XXXX Amount : {$360.00} PFC failed to provide the insurance claim number even after I requested it repeatedly. I was able to find on XXXX XXXX website one single claim from this provider with the same service date. The XXXX XXXX XXXX XXXX XXXX claim number is XXXX. ( Attached is the file named : EOB ) EOB - which means the explanation of benefit. It includes the billing amount, the paid amount and amount the patient is responsible for. The EOB adhere to the contact between the provider, the insurance, and the patient. The EOB I obtained, clearly indicates what I owe the provider is XXXX Dollars. Note : we actually reviewed all the claims for the entire year and I obtained all the EOBs for the year, that claim was the only claim from this provider that we found on XXXX website which means it was the only claim that was submitted to the insurance from this provider. Details of the dispute : I received a bill from PFC on XX/XX/XXXX. ( Attached file name is : Bill from PFC XXXX ). On XX/XX/XXXX I immediately emailed PFC using their website contact us and I disputed the bill and I requested an itemized statement. I never refused to pay my bill and here is what I wrote I do not recall this service thus I dispute the validity of this bill. Having that said, I might be forgetting something so i am requesting the following information and if it was indeed my services and it was billed correctly to my insurance and the amount you are asking me to pay is the patient responsibility then of course I will promptly pay it ''. Please send me : Patient name, Service date, hospital / clinic / doctor practice name. Any record that demonstrates that the insurance was billed so that I can look up the insurance claim ''. XXXX XX/XX/XXXX PFC responded the same day by email and wrote Your request for an itemized statement has been logged. The request will be sent to the original creditor and PFC will respond to you by mail once the itemized statement has been provided. On XX/XX/XXXX I received a letter includes the itemized statement, but it was missing the insurance claim number which is a critical and a key piece of information. ( Attached file name is : Doctor bill provided by PFC ). On XX/XX/XXXX I emailed PFC using their website contact US and I disputed the bill again because it did not include a claim number that shows that it was billed to the insurance, and I requested an itemized statement which includes the claim number. I also wrote " The EOB is important in this case because it specifically states the patient responsibility of the amount due to the provider, the provider can bill me only for the patient responsibility amount stated in the EOB otherwise the provider becomes in violation of their contract with XXXX. On XX/XX/XXXX PFC responded by email and said Your request for an itemized statement has been logged. The request will be sent to the original creditor and PFC will respond to you by mail once the itemized statement has been provided On XX/XX/XXXX I emailed PFC using their website contact XXXX and I asked them to confirm if the XXXX XXXX XXXX XXXX XXXX claim number is XXXX which is the only claim we found from this provider on XXXX website. I also listed in my email that the EOB clearly indicates that I owe the provider nothing. I detailed in my email the amounts billed and paid from the EOB. Once I sent that to PFC they never sent me any emails or letters. Important note : I wrote in my emails : Please email me or mail me. Do not call me. PFC continued to call and never left a message.
04/15/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CO 80516	Web
Company is XXXX, a Billing Co, for XXXX XXXX Hospital. Addr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph XXXX XXXX XXXX in collusion with PROFESSIONAL FINANCE COMPANY a collections Co that did not notify me of the debt in writing or by phone or make any attempt to collect it or allow me to dispute, which I would have done immediately because I do n't owe it, before just directly placing a negative on my credit report and dropping my score by XXXX points & destroying my credit for 7 years. I believe this is illegal. Their info. PROFESSIONAL FINANCE COMPANY Ph XXXX XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX This bill incurred XX/XX/XXXX for {$170.00}. When I was sent a bill from XXXX XXXX XXXX XXXX that said XXXX ( insr ) unable to identify patient, I called bout a month later after I recovered from XXXX and told them this had to be a mistake & went through the info with a XXXX who said she 'd fix it & bill insurance.I left it at that until I got another notice several months later. This time instead of calling, I SENT A LETTER with the bill & a copy of my insurance card, front & back and asked that they properly invoice my insurance, because I 'd called before & nothing done. I heard no more, so I assumed it was taken care of & there was no portion for me to pay, given the lack of any further communication or Insr EOI.In XX/XX/XXXX my credit report was hit OUT OF THER BLUE with a collection by the above company with NO PRIOR NOTIFICATION of any debt owing or right of dispute, from either XXXX or PROFESSIONAL FINANCE Collections with any opportunity to attempt to straighten this out YET AGAIN, dispute the debt or even pay if I needed to, which I do n't except the small Patient Owes amount my Insr company would have told me to, IF they had ever been billed, which they WERE NOT. My Insr confirmed that XXXX NEVER billed them per my call in XX/XX/XXXX or my Letter in XX/XX/XXXX.I was devastated & shocked when my credit was destroyed in late XXXX in this fashion with NO NOTICE and immediately called XXXX. I spoke to XXXX and she went through my info again as I tearfully explained what happened and discovered that the XXXX receptionist had transposed my insurance numbers. XXXX told me very specifically that it would be ok, she would resubmit the bill to insurance with correct billing and STATED she 'd HAVE THE COLLECT CO REMOVE THE NEG MARK ON MY CREDIT! Since then, the Collection agency has hit my credit XXXX more times ( total of XXXX now ) .I called XXXX again today XX/XX/XXXX and spoke to XXXX. XXXX ( would n't give me her last name ). Explained everything and saw online on my account that the bill had finally been re-submitted to insurance on XX/XX/XXXX after I initially called & spoke to XXXX on XX/XX/XXXX.Asking when will the Collection Co remove the negative mark on my credit report, she NOW is telling me that her teamleader said they WILL NOT!! Even though this is their mistake, which I made every effort to rectify last year and got NO ADVANCE NOTICE from them or PROFESSIONAL FINANCE collections of a debt.So, XXXX lied to me ( XXXX on XX/XX/XXXX ) about removing the negative from my credit, though XXXX XXXX made the mistake in the XXXX place ( incorrect entry of insurance numbers ) XXXX did not act on my phone call in XX/XX/XXXX to rectify the insurance mistake, XXXX did NOT acknowledge my letter in late XX/XX/XXXX showing them in black & white my insurance info & to please submit to insurance, nor fix their errors. PROFESSIONAL FINANCE did not notify me in writing of any attempt to collect a debt, nor give me any opportunity to dispute debt & explain this situation again & now my credit is destroyed for 7 years because others made mistakes, ignored letters, were incompetent in phone calls & Collection agency broke the law. I want the Neg Mark REMOVED very Urgently!!
06/10/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91977	Web	Servicemember
On XX/XX/XXXX, I set up a payment plan with XXXX XXXX XXXX XXXX after stopping treatment to pay off the {$140.00} balance I owed in monthly payments of {$20.00} due by the XXXX of each month. I paid {$20.00} each month by the due date in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX and in XX/XX/XXXX, I received bills that said my account was seriously past due even though I was making my payments on time. The statements also did not reflect the payments I had made. In those months, I made multiple phone calls to XXXX XXXX and left several voicemail messages with their billing department complaining about those bills. It was not until XX/XX/XXXX that I got a hold of a representative from XXXX. She told me and my wife that the statements would be corrected and that I was not in any danger of being sent to collections. She instructed me to continue making my payments online through the patient portal and assured me the problems with my account would be taken care of. On XX/XX/XXXX, I attempted to make my monthly {$20.00} payment on XXXX 's online patient portal as I had done every month, but the patient portal would not accept any payment because it showed a XXXX balance owing on my account. By that time, I had paid {$100.00} toward my debt, leaving only {$40.00} owed. However, on XX/XX/XXXX, Professional Finance Company , Inc. sent me a letter indicating my XXXX XXXX account had been sent to collections and incorrectly stated that I owed {$90.00} on my account. Upon receiving the letter, I immediately called XXXX XXXX to complain. Again, I left several voicemail messages, without response. I also called Professional Finance Company , Inc. to dispute the debt and I mailed them a request for verification of the debt. On XX/XX/XXXX, I finally got a hold of the billing department at XXXX XXXX. The representative there said that there were no notes on my account regarding any payment plan or arrangement to pay the debt. She also said that the person making the payment plan for me should have sent it to the billing department but failed to do so. To get my account out of collections, I made a {$20.00} payment over the phone with her. On XX/XX/XXXX, my wife sent an email to the billing department demanding that my account be removed from collections immediately. She also requested confirmation that my account had not been reported to any credit bureau. She attached all the receipts of my payments to that email as well as screenshots of messages in the patient portal between me and the XXXX XXXX XXXX and Payments department showing that I had established a written payment plan in XX/XX/XXXX. To this day, I have received no response from XXXX XXXX and I have confirmed my account is still in collections. I only owe {$20.00}, but Professional Finance Company Inc. states that I owe {$90.00}, and the patient portal on the XXXX XXXX website shows that I owe {$80.00}. I am a 100 % XXXX XXXX Veteran and I suffer from XXXX XXXX XXXX. Dealing with XXXX XXXX has caused me great aggravation instead of helping me in any way with my XXXX XXXX issues. I am in constant worry that my good credit rating I have worked so hard for will go down all because of XXXX XXXX 's errors and neglect. I am writing this complaint to hopefully shed some light on the bad billing and debt collection practices of XXXX XXXX XXXX XXXX so that others do not have to go through the stress and XXXX they caused me, and continue to cause me.
12/03/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75022	Web
I am writing to dispute again ( previous complain XXXX ) the collection account listed on my credit report under PFC account # XXXX, reported by Professional Finance Company ( PFC USA ) . The original creditor for this account is a medical provider, XXXX XXXX XXXX ( XXXX ), and the account is related to in-home medical services rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. In this specific case, none of the following companies/organizations have done due diligence considering customer credibility and significant impact to a law-abiding family 1 ) XXXX XXXX XXXX ( XXXX ) Degraded and no verified record for services These were in-home service, they haven't provided any proof of services commencement with our ( parent ) signatures Policy changes without any prior communication to us Even after multiple requests and communication XXXX Haven't provided services as per agreed weekly approved hours 2 ) Professional Finance Company ( PFC ) No correspondence sent to me for this account No physical or phone communication Account reported to credit bureaus without even single communication to us Not provided all the requested information and specific clarification from XXXX on validation of individual services Provided FALSE information in previous response to CFBP complaint ( XXXX ) regarding physical mail on XX/XX/XXXX. Call with collector agent ( name sounding XXXX XXXX on XX/XX/XXXX and she confirmed that no physical mail was sent, I have registered for USPS informed delivery and there is no mail from PFC. I cant fine any email from PFC till date. Even after requesting multiple times PFC havent shared when this dispute will be completed and not agreed to remove reporting this account till detailed investigation. 3 ) XXXX and XXXX XXXX impact to credit score. Unfair score model to weigh too much on single collection account that too under dispute and medical related XXXX havent performed detailed investigation for this disputed account. XXXX is used by many creditors hence its their responsibility to closely investigate such anomaly accounts for customer like me with excellent credit score and significant impact to individual and their family. 4 ) CFBP Not taking strict action against unfair practices and blindly relying on PFC response without validating the facts No clear policies and guidelines to all the parties for disputed collection account and related credit score impact I am not aware of any of my fault and still the only one suffering from declined new credit and mental trauma to follow-up with XXXX, PFC, CFBP and credit bureaus. Without any prior notice and communication with customer, PFC have reported this account to credit bureaus. This has impacted my credit score by almost XXXX points, dropped from XXXX now to XXXX. Being an immigrant to United States in XXXX, I have built this credit history with immense hard work and consistently on time payment. I have no history of missed payment and my previous excellent credit score is the testimony of my credibility. Recently declined for new credit ( letter attached ). This specific account has ruined our family year end planning. Our family was planning to move to a big house to help with future need to my special need son but due to derogatory comment and updated low credit score it won't be possible and I will be on mercy of XXXX, PFC and credit bureaus to fix the issue.
10/05/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20852	Web
I received services from this company at XXXX XXXX in XXXXXXXX XXXX on or about XX/XX/2022. Upon admission to the hospital, I provided my primary and secondary health insurance information. I required XXXX, and prior to signing my consent forms, requested the name of the practice providing services ( XXXX XXXX XXXX ) and requested that my insurance coverage be confirmed. It was confirmed that they were in-network and their services would be covered under the deductible for my hospitalisation under my primary and secondary insurance. XXXX XXXX XXXX, Maryland failed to properly code and XXXX for their services to both my primary and secondary insurance companies prior to the deadline for submitting a claim, leaving a large balance owed that would otherwise have been reimbursed by my secondary insurance. XXXX XXXX XXXX, in violation of my consumer rights, then proceeded to attempt to hold me accountable for their own billing and coding errors by taking aggressive and persistent collections efforts and repeatedly denying appeals, which negatively impacted my XXXX XXXX, in an effort to bully me into accepting financial responsibility for their own billing mistake. They repeatedly attempted to deflect responsibility to the collections agency they utilised, XXXX XXXX XXXX, who, after being notified of the inaccurate debt, then knowingly, unlawfully, engaged to collect this invalid debt, denying their responsibility as the credit collections agency taking actions against me in order to continue to improperly attempt collect the debt. They have repeatedly asked me for documentation that does not exist, such as proof that my secondary insurance denied the claim due to missing the deadline, when my secondary insurance wouldnt even accept a submission of the claim ( eliminating the possibility of a denial letter ) because their billing office missed the deadline for a submission to be considered. They have also attempted to cite XXXX, incorrectly claim that I did not provide them with my secondary insurance, and ignore the fact that the hospital in which they provided me services as a patient had my insurance on file ( with which other providers during the same hospitalisation were able to successfully receive payment from my secondary insurance ) in their efforts to further deflect their own responsibility for the financial consequences of their own billing error. They have attempted to state that they have no power or responsibility to cease collections and that I need to settle this with the original creditor, who has knowingly initiated and continued this improper collections attempt as motivated by their own financial interest in covering their loss resulting from their billing error, and is unwilling to reconsider their collections actions.
10/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75089	Web	Servicemember
I had an XXXX at XXXX XXXX in XXXX Texas which soon after I found out I had invasive XXXX XXXX and 3 months to live. I 've since then had 2 XXXX XXXX to save my life, one just a week ago. After the XXXX there was a bill of {$790.00} around there and I spoke with them about what was going on. The lady at the desk asked me to drop off medical bills and other bills I had to see if they could dismiss the bill to help me. I dropped off what she needed, I ended up doing this 4 times as for some reason they did n't know where it was. Then I had my XXXXXXXX and have been unable to work or leave my home since XXXX in the fight against XXXX. A lady did call me while back and ask for the paperwork again, I told her I had turned them in 4 times and if there was a problem to let me know because my fear was they would just turn it over to collection and my credit would be affected. She said that she would look into it and get back to me that would n't happen. I never heard back, so I honestly was just trying to deal with all my XXXX and fighting my XXXX. Today I got a notice from my credit reporting agency that the bill was turned over to a collection and was on my credit report. I called them right away, and the lady I spoke with was rude, could care less if I had XXXX or was sick, she was so insensitive to everything that was going on. I told her what I knew and what I was told, she said that they denied my relief of the bill and it was with collection now to deal with them. I told her this is what I was so worried about happening and now even if I tried to get a loan to pay it my credit is trashed by this. I told her no one contacted me by letter or phone call. Not once! I wanted it removed from collection and give me a chance to pay this as I would have found a way. She said no deal with the collection agency. Cold, disrespectful to my situation which has been very upsetting now, when I 'm trying to heal. I 've filed a claim with the BBB in Texas. If they felt this was so serious of an issue all they had to do was call me, as I received no further calls or letters from them. I would think a warning a certified letter asking for payment would have been made. No straight to collections and on my credit report. I need your assistance please with this matter and would like the option to make payments and it removed from collection and my credit report. I will contact an attorney if it has to be done that way, but would just like them to understand where I am and some compassion would be appreciated please. Thank you
08/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33418	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PROFESSIONAL FINANCE CO Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PROFESSIONAL FINANCE CO I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CO 807XX	Web
I thought I had resolved a disputed debt with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, who had submitted this alleged debt to Professional Finance Co. back XXXX XXXX XXXX. I also had an attorney substantiate that I did not owe this debt, that it was illegal and in violation of CO. REV. STATUES. and to cease and desist from further reporting and collection of this alleged debt. I heard nothing further back from Professional Finance or XXXX, nor did they report this debt to any credit bureaus. Then in XXXX XXXX I got an email from XXXX XXXX that my credit score had changed due to an account in collections reported by Professional Finance Co. for the same alleged debt as above. I immediately disputed this debt with XXXX XXXX, that I did not owe this and that to my knowledge this was resolved that I did not owe this. I also included my attorney 's previous letter that showed that this debt was illegal and in violation of Colorado Law. XXXX XXXX reported on XX/XX/XXXX that they resolved my dispute. I repeatedly tried to see the results on their website but it was not working, it stated due to technical difficulties site not working. I tried for 2 wks and it always stated not working, so I called XXXX XXXX on XX/XX/XXXX. I called and was put on a long hold, transferred and hung up on, I called back several times and was finally given the information they denied my dispute, and I was given the phone number for dispute dept. So I called again on XX/XX/XXXX to Dispute Dept. and after I explained their website was not working and wanted to have more information as to why my dispute was denied, they hung up on me again. Today, XX/XX/XXXX, I tried to add a statement to the illegally reported debt as XXXX XXXX states you can do, but that was not working today as well. I called the XXXX XXXX, spoke with " XXXX '', explained my concerns and after I did, he just disappeared and hung up on me again! This is ridiculous!! XXXX XXXX is reporting an illegal debt against me, they also make it impossible to resolve issues as their website is down for weeks at a time with technical difficulties, then if you call they put you on hold for long periods of time, then repeatedly hang up on you. They state you can make statements as to your account but make it unavailable, then they hang up on you when you call for help.
07/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 809XX	Web
I had to have XXXX XXXX in XXXX of 2019. It was something completely unexpected and unplanned for. Afterward I had a mountain of bills from the hospital, all the separate doctors and the one in question is from the XXXX I was regulary paying what I could afford each month to everyone who sent me a bill, up until XXXX when I lost my job due to COVID-19. I stopped receiving bills from the XXXX for some reason and therefore lost track of who I was supposed to pay and when. I had too many bills to keep track of and too much going on with COVID-19 and trying to find a new job that if someone didn't send me a bill, I didn't know I was supposed to be paying. I did not receive any notice prior to finding out by seeing it on my credit report that I had been turned over to collections. No one tried to call me as far as I know because I had to have the service shut off on my phone because I couldn't afford it. But I received no emails or notices in the mail regarding this collection or anything stating that I had the right to dispute or negotiate this debt. If I had, I would have been more than willing to work out a payment plan with this company. I have reached out the company several times to try to reconcile this debt but they have not responded to me at all. This collection has ruined my credit rating. My FICO score when from over XXXX down to XXXX. This seems very harsh and unfair in light of the fact that I have not had anything negative on my credit report prior to this, I have never made a payment late in my entire life and I worked very hard to maintain an excellent credit score. It also seems very unfair that this was turned over to collections in the middle of a pandemic when so many people were out of work and struggling to make ends meet. Most companies had payment extensions in place and were forgiving about late payments. I need to negotiate this debt because it is more than I can afford given my current financial situation and I need this collection removed from my credit report because it is completely unfair and not a true reflection of my credit worthiness. I have been more than willing to work something out this whole time, it is through no fault of my own that this company has been so unwilling to communicate and work with me on this.
11/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75022	Web
I am writing to formally dispute the collection account listed on my credit report under Report # XXXX, which has been reported by Professional Finance Company ( PFC USA ). The original creditor for this account is a medical provider, XXXX XXXX XXXX ( XXXX ), and the account is related to medical services rendered. I am disputing this debt for the multiple reasons Lack of Communication : I havent received any written communication either from Original creditor XXXX and collection company Professional Finance Company ( PFC ) regarding accounts being transferred or sent for collection. Lack of Validation : I have not received adequate validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am formally requesting the validation of this debt, including detailed information about the nature and origin of the debt, proof of any signed agreement, quality of services commencement as authorized by the doctor, and completion of individual services duly signed by me or my spouse. Billing and Services Error : There were multiple quality issues with the services provided by XXXX, specially for years XXXX and XXXX and for the same we have communicated multiple times to XXXX regarding completion and quality of services. During most of the weeks not full 10 hrs of approved services were provided. There were many sessions which did not commence as per prescribed weekly approved services. Last minute service cancellation without any backups. No signature post individual service commencement from parents to confirm and validation. Due to lack of quality services my son has faced immense challenges with frequent schedule changes, XXXX XXXX, elevation in behavior and retrogression. After no action taken for many months we had finally cancelled XXXX services in XX/XX/XXXX. I requested PFC-USA and XXXX to investigate this matter promptly and provide with a written response within 30 days of receiving this letter. I would like to request confirmation of individual services that include my ( or my spouse ) signature. If you are unable to validate service, this debt or if you find any errors, I request that you cease reporting this account to the credit reporting agencies and remove it from my credit report.
10/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80631	Web
On XX/XX/2018 I noticed a garnishment on my paycheck in the amount of {$500.00}. My employers payroll department said that a collection agency had placed a garnishment on me for a total amount of {$2900.00}. After work that same day I went to the agency to find out what this was about. After looking my name up they could not find any garnishments so they looked up my social security number and it turns out they had placed my SSN. After determining that I was being wrongfully garnished they gave me a release of garnish paper and said that they would refund the money they took from me and that they would contact my employer to stop the garnishment immediately. On XX/XX/2018 I checked my next paycheck and noticed that the garnishment was not removed and they had taken another {$370.00} from my paycheck. This makes a total amount wrongfully taken from of {$880.00} so I called my payroll department and they informed that they had not received anything at all from Professional Finance Company stating to release the garnishment. At that moment I asked if I could email them release of garnish letter that I received two weeks ago. After work I went to talk to PFC to see why they had not notified my employer to stop the garnish. The so called agent behind the counter named XXXX said that they had talked to my employer earlier today. I asked for an explanation why they had not notified my employer to stop the garnish and all that person said was he did not know. When I asked if there is someone who could actually answer my questions he said " no there's no one. '' Then I asked to talked to someone above him, he brought out a lady that was also no help at all. She tried telling they had sent the notice by mail. I asked for when it had been sent and she could not or would not give me an answer. At this point that lady noticed I was recording them and had that XXXX guy tell me I could not record them. Then I mentioned that it is my constitutional right to record anywhere in public. After I said that lady walked way and the guy kept saying they don't consent to being recorded then refused to talk to me and walked way as well. This XXXX guy is in my opinion useless and incompetent and should be fired.
04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 635XX	Web
I am the the trustee and my brother XXXX XXXX XXXX XXXX. He gets XXXX a month to live on so, any other bills have to go through me, the trustee. My brother was sued by Professional Finances. I contacted them. First time I called on XXXX/XXXX/2016 I was told that case # XXXX was for XXXX bills but was n't told who, what, or why and it was for XXXX but, they would take XXXX. Then I was told there were XXXX more cases, totaling XXXX but they would take XXXX. I told them XXXX case for XXXX was already ( 10 days would be 4 years ). They said they could n't sue but lead me to believe they could still go after it.not according to nevada law NRS 11.190 ( 2 ) ( a ). I was told that they would take the XXXX on the XXXX cases and I could offer a settlement on the the others. I called back and was told I could make a settlement offer on all of the cases. I called back and made an offer. I was then told that the XXXX that was agreed to earlier was now XXXX and the the other XXXX cases were XXXX ( past 4 years on XXXX ), XXXX, XXXX for XXXX. They said they would take XXXX on it all well XXXX + XXXX = XXXX. XXXX + XXXX ( orginal numbers ) then XXXX + ( -the too old XXXX ) XXXX. When I asked why was I getting different number every time I called I was told it was because I spoke to XXXX different people. How do numbers change? I was told we settled on XXXX then it changed to XXXX. I was told I could make a settlement offer on the XXXX other cases then I was told I could n't. I was nasty because I had to call them 6 times and speak to supervisor and supervisor 's supervisor to tell them my brother would n't be recorded giving me autherization to handle his case. So, my brother called the lawyer, gave the ok, and got around being taped. I called 3 times and got XXXX different numbers and told different things each time and told it was because I spoke to XXXX different people. I want an itemized and told a supervisor that and he said he could n't do that. Why ca n't I have that? I want the numbers justified and on paper. Why ca n't I have that? I was told I could make an settlement offer then I was told I could n't. We had a settlement in place with XXXX case and they changed it. How can they do that?
04/10/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KS 662XX	Web
I have received phone calls on a frequent basis for the past several weeks from my local area code, each time a different call. I have answered at least 2 of them and both times they said they were from Professional Finance Company Inc ( PFC ) in XXXX, Colorado, calling about a debt that I owed. The area code on the numbers they were calling from is not their area code, but an area code I used to live in, which leads me to believe they are phone number spoofing. I asked the second lady I spoke with why they did that and I got a generic ( I'm paraphrasing here ) " we make a lot of calls to different areas, and people are more likely to pick up if they see a local area code listed '' response. The debt I owed is apparently a year and a half old water bill to a city that I no longer live in. Today I paid that bill to the city after getting in touch with them, as I did not feel comfortable giving all of my information to a caller whose identity I could not verify ( I did not know when I spoke with PFC that I could request their license number ). I am firstly disappointed in the city for not reaching out to me despite them having my contact information ( but that's another issue ). Secondly, I am concerned that PFC won't stop, given the numerous complaints I have read about them online. I am also concerned for myself and others about them spoofing phone numbers. I am not strongly literate when it comes to various laws, but it doesn't look like they are violating the FCC 's Truth Under Caller ID Act or the FTC 's Fair Debt Collection Practices Act directly ... however, in in my opinion, this sort of tactic is problematic and should be unlawful. Like I said above, I could not verify the caller 's information by phone number because any scammer could spoof phone numbers, XXXX any collection agency 's information and provide it if they are asked, and scam individuals that are uneducated on their rights and laws pertaining to this situation. If phone spoofing by collection agencies was illegal, the average consumer would not have as much to fear. https : //www.fcc.govXXXX https : //www.ftc.govXXXX
01/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77020	Web	Older American
I became a XXXXXXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX. Prior to the XXXX, I was informed by XXXX XXXX staff that I would not incur any costs ; that the recipient 's insurance would be responsible for ALL medical bills related to the procedure. I began receiving bills from XXXX XXXX XXXX in XX/XX/XXXX and forwarded them to my XXXX XXXX at XXXX, per her instructions and was told it was being handled by their billing department. The bills kept coming and I kept forwarding them to XXXX. I received written notice in XX/XX/XXXX that XXXX XXXX XXXX submitted the bill to a debt collector, Professional Finance Company Inc., XXXX, TX. They, in turn placed a {$1000.00} collection debt on my credit report. This was also submitted to XXXX, per my instructions. Unfortunately, it was not resolved. I discovered this fraudulent debt of {$1000.00} on my credit bureau report in XXXX XXXX This is the ONLY negative item on my report, and it lowered my credit score. I filed a dispute with the credit bureau and was denied relief. ( I did not understand why. ) XXXX XXXX is aware of this and has tried to assist, unsuccessfully. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX XXXX. I spoke to a representative today with XXXX XXXX XXXX at XXXX and was told that they removed the debt ( XXXX it out ) on XX/XX/XXXX ( 1 1/2 years ago! ). I do not understand why Professional Finance Company Inc. persists in their fraudulent collection tactics and why my Credit Bureau Dispute was denied. I need an explanation and resolution from both entities. Please help! XXXX XXXX XXXX is a voluntary act in the United States. I did not expect or ever want any recognition or compensation. By the same token, I did not expect any bills related to the XXXX or being subjected to this type of harassment and the resulting negative financial impact. Regardless of the stress, XXXX and aggravation this has caused, I would do it again. Life is precious. Please help get this resolved. Thank you.
11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NM 88220	Web
This is in response to a recent claim regarding account # XXXX, which PROFESSIONAL FINANCE CO claim a collection account on my credit report, stating I owe {$210.00} Which I found on my credit report and have been trying to come in contact with the company via mail but always get my letters returned with no luck of finding anyway to come in touch with them. To PROFESSIONAL FINANCE CO I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receiving this may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. I wished to be contacted by the company via Mail only.
05/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80249	Web
I contact Professional Finance Company to resolve a collection that we believe we do not owe. I asked for details of the debt. I advised I paid XXXX on XX/XX/19. I was told this was a separate account. The company that debt was owed too, has not called us for this particular amounts. They representatives could not give us the information on the account details, she just made snarky commits. Asking me what I don't understand about this. I advised I don't understand why I am paying XXXX XXXX dollars to the same company and why it wasn't billed together. The representatives continued the snarky remark. I asked for a supervisor and got attitude cause I asked. The representatives I spoke with advised me that we would be recorded. I advised the representatives that we have it on speaker phone and will be recording the conversation. Each representatives told us it's illegal to have it on speaker phone, which is false information. Representatives also told us we are not allow to record the conversation. Which by federal law I am allowed to record the conversation and protect myself from fraud or scams. Then each representatives would terminate the conversation by hang up on us, stating it's company policy. I advised the representatives that federal law and fair debt collection act allows me, the consumer to protect themselves against a debt collector. They refuse to continue the conversation. We have recorded the phone calls and we also notified them we were recording them. I asked for a supervisors 3 out of 8 phone calls on XX/XX/XXXX around XXXX XXXX to XXXX XXXX. We had to just ask for a supervisor before talking to a representative. On other occasions When we asked for a supervisor, we would get sighs and attitudes. We got voice mail on all three attempts to a supervisor. We have yet to receive a phone call back from a supervisor. On several occasions pfc has called my wife at work, she has advised them to not call her at work. She has received two more calls from them.
08/01/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75243	Web	Older American
I call XXXX customer service and told them my address XXXX, TX XXXX ends at XXXX the XXXX day of XXXX PREVIOUS BALANCE Payment Receive XXXX/XXXX/2014 {$26.00}, XXXX there lease agency told I had to move out this apartment on XXXX XXXX, 2014 at XXXX. I move with XXXX and call and told XXXX customer service to disconnect XXXX account on XXXX XXXX,2014. see on this Bill Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14. Current Gas Charge Total XXXX TAX/FEE CHARGE TOTAL XXXX CURRENT CHARGES XXXX TOTAL AMOUNT DUE XXXX. Are someone at XXXX employer and employee steals and uses your personal information do fraud and put fraudulent charged on your billing account related to identity theft. I am disputing these fraudulent bills charges on my XXXX Costumer Number XXXX Customer Name XXXX, TX XXXX. Account close out XXXX XXXX, 2014. Billing Date XXXX/XXXX/14 PAST DUE AFTER XXXX/XXXX/14 XXXX, PAST DUE XXXX/XXXX/14 XXXX Final Bill PERVIOUS BALANCE XXXX these bill are like the same billing XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, Billing Date XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, billing Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14 XXXX see these attachment the XXXX bills date XXXX/XXXX/14 past due after XXXX/XXXX/14, Payment received XXXX/XXXX/2014, XXXX Current Gas Charge Total XXXX Tax/Fee Charge Total XXXX Total Amount Due XXXX, Previous Date XXXX/XXXX/14 Past Due After XXXX/XXXX/14 Pay Receive XXXX/XXXX/2014 XXXX tax XXXX = XXXX, they are not the same like Current Charges and Tax/Fee Charges Total, Total Amount Due date XXXX/XXXX/14, XXXX/XXXX/14 and date XXXX/XXXX/14 disputing fraudulent charges XXXX accounts identity theftXXXX XXXX employer and employee told me there collection agency Professional Finance Company , Inc will get the {$56.00} dollar from me are mass up, this is company 's do when you close out your account with them. they call there collection agency for more money from there customers and mass up your credit. This is not rightSincerely, XXXX XXXX
04/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75034	Web
in XX/XX/2020, I was contacted by PFC, Professional Finance Company about a bill for a medical service. I went through the process to pay the debt, however, when they continually asked for my private information ( last 4 of social, address, etc ), I turned them down to process the payment because it seemed as though there was a possibility it was fraudulent. The representative told me that in order to process the payment, she needed my identity information. I told her no. I went and paid the original entity the amount due. PFC processed my payment on my credit card anyhow, without my final authorization. So now I have paid this debt twice. When I contacted them to tell them that they processed payment without authorization, they told me that they could send me a check in 1-2 weeks and could not electronically reverse the payment. After many complaints, and them listening to the recording, they overnighted me a check for the payment. During all of this they were very aware of the fact that I had already made the payment to the original entity. I have offered to them several times the authorization code and transaction number of the payment made directly to the original entity. Today, 3 months later, I get another call that I still owe this money. When I explained to the rep that it was paid, and offered the payment information again, she proceeded to tell me that I had to email them the payment proof from my bank. My online banking will not go back that far. I have the printed authorization showing it was paid, yet the rep yelled at me and then hung up telling me it was " still in collections ''. The fact that they hung up on me when I was explaining my position is infuriating. They are a disaster, yet affecting our credit. Why they can't get with their client to correct this is beyond me. XXXX should take the burden of keeping accurate files and should not be able to run such a disorganized business.
02/20/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CO 80031	Web
Professional Finance Company is a collection agency. They contacted my employer with a writ of garnishment. I contacted them prior to the garnishment starting on XX/XX/XXXX and paid them a settlement amount of {$760.00} to stop the garnishment of {$930.00} even though I still have no clue why my previous employer is garnishing my wages at my new employer I paid them to just make them stop. I confirmed on the phone with them that the payment I was making would close my account, pay the balance in full and stop the garnishment. They said yes and stated the would fax a release of garnishment to my employer. The following week XXXX $ was garnished from my check. I contacted my employer on XX/XX/XXXX who stated they had never received a release of garnishment. I contacted PFC on XX/XX/XXXX as well, they stated they would yet again the account was fully paid and they would fax a release of garnishment and that I could come pick up the wages from my check that were garnished when they received it. On XX/XX/XXXX my employer called me to tell me that they still hadn't received a release of garnishment and if they didn't receive one by XX/XX/XXXX another portion of my check would be taken and sent to PFC. I got off the phone with them and called PFC who is now stating they have already faxed the release of garnishment and will not send another even though my employer never received it and now they are stating that I owe them an additional XXXX $ for something that was never included in the payment I made on XX/XX/XXXX when I paid my balance in full. Now due to the payment I made in full of XXXX and the XXXX they have taken a total of XXXX which is over the amount stated by the courts that I owed them ( XXXX ) and they are refusing to fax a release of garnishment or anything stating that I paid them so they can continue to garnish even more of my wages.
10/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CO 80211	Web
I was notified through a credit monitoring service that I have a collection outstanding with Professional Finance Company XXXX XXXX, XXXX, Colorado. I contacted them on Friday XXXX XXXX, 2015, in order to get verification that 1. ) the debt is valid and 2. ) information regarding from whom the alleged debt is being collected, 3. ) any sort of proof that I was properly served by the alleged debt collector and/or the debt collection agency ( i.e. a certifiied mail receipt or something like that. ) The representative refused to give me proper information and stated that if I were to determine that the debt was valid ( which I 'm not sure that it is ) that I get a letter from them, on their letterhead, signed by an authorized representative that the collection is paid in full with a {$0.00} balance and that any obligation to them is fully released, and that they will report this information to the appropriate credit bureaus within 30 days. If they are going to hold my credit hostage I should have some reassurance other than their word they will report accurately to the credit bureaus. They have already proven that they are willing to report collection information on my credit report without proof of notification that the debt exists. It would be unreasonable for them to not provide me with any evidence to protect my credit and my good name if I were to 1. ) acknowledge the debt exists, 2. ) not provide me with any sort of documentation to prove to the credit bureaus that the collection is paid if they fail for any reason to report the truth. In the near future I would like to buy a house, and as a former mortgage originator I know that in order to get a home a lender is going to require that I pay the alleged debt regardless if it is valid or not. The debt collection practices are both deceptive and unfair in my opinion.
12/16/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CO 80503	Web	Servicemember
Received a call that left a voice mail message about PFC Number was XXXX XXXX XXXX. In the message they said to look up online aboutPFC.com No indication of who they were looking for, or what the debt was. Checked my credit report and found there is no negative information on it. Also, I have no unpaid debts. Does n't sound like a legitimate debt collection agency at all!!!! Also I have received no notices for debt collection. Nothing absolutely nothing in writing. Made several calls to the number given and always straight to voice mail due to " high call volume '' Seriously? A debt collection agency so busy with people calling in to pay their bills that they ca n't answer the phone? This must be a total scam and a fraud. This morning I looked up online and there was a local number in the XXXX area code. So I called that and they refused to confirm that they actually knew my name or to tell me what the issue was. I told them to call me back and identify the issue and who they were looking for if they wanted to get it resolved. The lady on the phone insisted that I give them personal information over the phone to prove I was the person they were looking for. She said I should call back when I was ready to resolve the issue. Too busy to even call me back? What kind of scam operation is this? This is the contact information from the web site : XXXX XXXX : Professional Finance Company , Inc . XXXX XXXX XXXX XXXX, CO XXXX CORPORATE OFFICE : Professional Finance Company , Inc . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX GENERAL INQUIRIES : LOCAL : ( XXXX ) XXXX TOLL-FREE : ( XXXX ) XXXX IF YOU OWE A BILL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX OFFICE HOURS : Pay a bill in person : Monday - Friday XXXX XXXX - XXXX XXXX Pay a bill over the phone : Monday - Friday XXXX XXXX - XXXX XXXX
05/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55404	Web
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
05/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89436	Web
I noticed on my Credit Report that I had 2 collections. I had not been contacted by anyone, I filed a dispute with XXXX XXXX. They claim that the info was correct. I contacted the first Creditor, XXXX XXXX XXXX ( collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ) They said that it was an open account and that I owed it. I could not find any record of my paying them, so I contacted XXXX XXXX XXXX and they said I owed {$180.00} I paid them that amount in full on XX/XX/19 Have a Conformation No. As of today XX/XX/19 still showing open account not paid. I contacted the 2nd Collection reporting creditor XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX Phone XXXX ( collection agency Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ) XXXX XXXX told me that this was for an Emergency Room visit, and this was my portion that the Insurance did not pay. I told them that I got the billing statement from them and made payments. They said that since I did not set up a payment plan with them they sent it to collections. They said that was for something else. I asked them to send me a Detail Billing of all accounts, which they did. When I compared the Billing account with my Bank payments it shows that I paid the amount that XXXX claims I owed. I also have monthly billing statements that XXXX sent me showing that I was paying down the account. I sent copies of all of these things to XXXX in a 2nd dispute on XX/XX/19. They responded saying they talked with ( I'm assuming that they talked with both XXXX & Professional Finance ) and said that the account was still owed. I don't understand how they can come to that conclusion when I sent them proof showing otherwise. This should never have gone to collections to begin with.
03/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80923	Web
I was incarcerated from XXXX of XXXX til XXXX of XXXX a slew of medical debt was accrued on my credit report during that time. All have been removed except for Professional Finance CO from diversified radiology of color? for {$110.00} and {$350.00}. I have not been to or seen a dr since XXXX. Ive disputed it so many times now they wont let me dispute it no more. Since Ive been out working and paying my taxes whomever stole my identity is apparently still out working falsely under my name and going to hospitals under my name and etc. Its so frustrating. I cant get ahead with my credit when this keeps happening to me. Im now also having issues with XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX?? Wherever that is?? For : {$890.00}, {$840.00}, and another {$840.00}. Im at my wits end. I dont know what else to do? Plus on top of all that I somehow have over 30 or 40 inquiries on my account. Super duper bogus!! from XXXX XXXX til XXXX or XXXX Now apparently Im being punished and for my penance I unfortunately have to write each place and describe identity theft nd hope they comply and remove the false statements made against me. That also is completely unfair. How am I supposed to respect or legal system when it just keeps throwing me under a bus. I work hard and I work alot. KI do my best to pay my bills and keep a roof over my head, but i cant even have the ability to get a car loan or let alone a home loan. Seriously I mean over the top seriously frustrating and messed up. I dont know what else to do? Get a lawyer maybe and sue all the misplaced accusations against me? thatd cost me fortune. So now I am pleading to you for understanding, mercy and help. Can u help me? Will uhelp me? sincerely, One desperate American, XXXX XXXX
04/19/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 81504	Web
I disputed a medical bill that was in my credit report. I got served with papers about being sued for 2 medical bills. One was for my daughter who was XXXX at the time and the other was for my daughter who was covered by a form of XXXX called XXXX plus. I called the collection agency called professional finance and explained the situation. They said just get a letter from XXXX XXXX XXXX plans and send it in showing she was covered and i was told I would not have to provide an answer through the court. I requested the letter end of XXXX and It took a couple of weeks to come in. I emailed it on XX/XX/XXXX then I called them. They said they received it and would get back to me. I didnt hear anything back so I called back several times and left voicemails. I then received a letter in the mail about court being in XXXX I called them again and was finally able to get through they stated they received the proper paperwork and they dismissed my daughters medical charges who was no longer a XXXX and they were still working on the other one even though it had been 3 weeks since I sent in the proof. About a week later I noticed it was off my credit report so I thought it was taken care of. Then XX/XX/XXXX i got a deferred judgment letter saying they were granted the judgement. I called again and was told I owed {$350.00} ish dollars that included {$160.00} in court fees. I explained the situation then was told she would email the head of legal department and that I should be good. I called again the next day and was told still no response call back on Monday. This is very frustrating to me and I am a single parent income household. I did everything I was asked to do and still ended up with it this outcome. Im very frustrated.
03/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CO 802XX	Web
Professional Finance Company and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with all three credit reporting agencies, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or Professional Finance Co, but they keep " verifying debt is accurate '' in my disputes to the credit agencies and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment. Professional Finance company has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years, and needs to be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me. This must be removed from my credit report immediately.
12/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 800XX	Web
On XXXX XX/XX/XXXX i sent a letter to the University of XXXX XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$100.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The University of XXXX XXXX did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX XXXX I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. If you do not agree to the amount on the check ( {$100.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. Thank you XXXX XXXX
09/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 367XX	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
06/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web	Servicemember
I received a communication via mail in XXXX XXXX. I called on the XXXX to respond and request debt validation that I am allowed. The bill was for a gas company. A {$400.00} gas bill seems to be completely insane! The residence claimed is a single family home, how could a gas bill get THAT high? There has to be a mistake I originally spoke to a XXXX who was excessively rude to me and when I requested that all communication be written, she told me that meant a cease and desist of all communication. I tried to correct her but she would not listen at all! I requested to speak to her manager but she transferred me to a voice mail. I called back and got a hold of a XXXX who also refused to find a manager for me to speak too. I called back again and got a hold of XXXX who pretended like she had never spoken to me. I finally got a hold of XXXX ( a presumed manager ) on my 4th time of calling in. He talked over me and had an attitude about me requesting that he be polite. He refused to send me debt validation and told me I had to write in. No other collection agency does this. If you call in, they all will send out the required validation as it is a recorded line and it can be proven you request it. I asked him about the type of validation and had no clue what I was referring too. It was clear he does n't know FTC law requiring what consumers are allowed to request. He also tried to force me to admit the debt as mine though again, I havent even received validation! I asked for him to pull the call with XXXX and he just hung up on me. He did n't say he would look into the matter but just hung up rudely. I never raised my voice, but he constantly talked over me as I tried to explain the issues.
01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89002	Web
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand no valid claim for any further payment So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing XXXX and XXXX XXXX as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
09/27/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76706	Web
On XX/XX/2021 I notified Professional Finance Company INC. to Validate a debt they were trying to collect. I ask for the following information and actions : What the money you say I owe is for? Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable ; and identify the original creditor. Prove the statute of Limitation has not expired on this account. Show me that you are licensed to collect in my state ; and provide me with your license number and registered agent. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Then the company sent a screenshot of charges from XXXX XXXX XXXX and letter that stated the debt was validated and I had no legal right to request such information from their company. After doing my own extensive research turns out that my insurance company paid the charges the company stated I owed. I did send payment for the reminder of the amount I should have been charged but was not. I have proof I do not owe the amount they said I do ant they have been report on my credit invalidated information to all of the three major Credit Bureaus. This is a medical debt and should be a HIPPA Violation. The original debtor XXXX XXXX XXXX just sent me to the collection agency not giving me the ability to request an updated of the error.
12/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80504	Web
Early in 2018 I noticed my FICO credit score decreasing from a level which had been above 800. Upon gathering further details via credit reports it was noticed that Professional Finance Company had an account in for collections of {$750.00} with my name. Per the XXXX credit report the item was opened XX/XX/2018 from an original creditor listed as XXXX XXXX. This was first reported on XXXX XX/XX/2018 which I disputed on line at XXXX in XX/XX/2018. Upon calling Professional Finance Co to clarify they did not confirm or provide information about the amount in collections. I have no record of a bill from whomever submitted the account. Also no mail or other records from Professional Finance. I submitted a certified letter to Professional Finance Co of XXXX CO in XXXX via US post office requesting detailed information. A signed receipt of the certified mail was received however again no information received from Professional Finance. I have also submitted via mail in XX/XX/2018 to XXXX disputing the information upon which they have not been able to supply any further data other than to confirm the debt is assigned to myself. I have over 30 years of strong credit records with never a collection issue. Now I have a negative note on my credit report ; however no one has provided me with any record of this credit item and where or how it originated. This is impacting my finances as I have taken out other loans this year which have been at less than preferred rated due to this unknown and unverified credit date by Professional Finance. I would like this removed from my credit and my credit score restored.
10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34743	Web
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Professional Finance Co ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail, Best Regards,
09/23/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CO 805XX	Web
On XXXX/XXXX/XXXX I received a call from XXXX ( would not disclose last name ) of Professional Finance Corporation of XXXX, Colorado about a debt of {$33.00} from XXXX XXXX XXXX. They wanted payment made over the phone. I refused not knowing whom I was talking to. I asked for details and followed up with XXXX ( would not reveal last name ) from XXXX. The file number was XXXX. Upon review of the file XXXX informed me that my insurance company had not been billed by XXXX and he would do so. Not trusting the system I went to Professional Finance Corporation in XXXX Colorado on XXXX/XXXX/XXXX and made a payment of {$36.00}. The original claim date was XXXX/XXXX/XXXX. In speaking with XXXX ( would not reveal her last name ) from Professional Finance Corporation XXXX XXXX, Colorado I was told they had made two other phone calls and sent me a letter as well. I received no phone calls or letter. I asked for documentation and XXXX informed me that I could not have that information. I was later sent a letter stating that the debt had not been reported to any credit reporting agency. I will follow up within 90 days by reviewing my credit report as suggest by XXXX of Professional Finance Corporation as a sufficient time for them to make any corrections. I received a statement from my insurance company XXXX on XXXX/XXXX/XXXX showing they in fact had been billed and that my co-payment was {$2.00}. I have made several payments to XXXX XXXX XXXX between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and ws never informed I had an outstanding balance.
01/22/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75214	Web
I have a collection that showed up on my credit report for XXXX XXXX at XXXX. They have sent it over to Professional Finance as a debt collector. I have called PF to ask for details of what the charge was for - they have refused to provide that and instead sent me back to XXXX which I have documented XXXX different billing departments and phone numbers to follow-up with to determine what was sent to collections and NO ONE can tell me what it is. I have gone through all my insurance EOB ( explanation of benefits ) and there is nothing that shows I have {$150.00} due as a patient responsibility. When I went back to PF and told them this was erroneous they told me to just pay it. I said it fraud - its not backed by any data or fact and you can't even tell me what it is for - I was then hung up on. I tried calling back and got a voicemail and left a voicemail asking that they send me the details in writing via email or snail mail or take this off of my credit report until they can find the details that shows this is truly an amount due as XXXX - all XXXX of their billing departments can't track that this is due and you have no prove up - so remove it. I have now repeatedly received calls with XXXX XXXX, demeaning words, telling me to pay it or my credit will be ruined due to my paying what is due. I still to this day can't get any details from any of the XXXX XXXX entities or this collection company. Based on how they have treated me as a human - I want this removed from all three credit agencies at once.
01/25/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CO 81005	Web
XX/XX/XXXXWed 2018 ... ( 7 in 3 days starting at 8 am from all different numbers ) They called and stated I owed over a thousand dollars. She started off by saying " this is what you owe how would u like to pay by check or credit ... '' I never caught her name and I did ask for it but she did n't give it to me. I still have no idea who they are or if they 're real. After reading on their reviews on XXXX it is AWFUL and encourage you to do the same. I never received an itemized statement or from who. I asked The lady if she could send me one. She kept talking over me. Told me they do n't do that after a few times of asking and stating I knew my rights she said " unless I send a written letter requesting one they will not be doing that ''. Why would I give out the last 4 of my SS, DOB, address and bank information to any one who wo n't identify who and what they are? Very very rude and intimidating. I called and left a message for a manager. No call back yet. I also told her my daughter has Medicaid if ( thats who it was for??? ) she could send me the dates of service, Bills or whatever I could provide my information and a plan for payment as well. I asked about email ... Still very rude and condescending, still no. Please if you can listen to the recording. Scary business tactics. Not a way to do business or help people like their webpage states. I have nothing to attach because I have no idea what they are referring to and if I have already paid the bills She was claiming.
09/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 754XX	Web
I received a credit monitoring notification a few days ago. The notice was to let me know that a report was received about a negative report about a unpaid account. I was stunned to hear of an account that wasnt paid. We found the number of the debt collector and called them and they stated they purchased the debt from a medical provider. The unpaid amount is {$340.00} claimed by debt collector and by medical provider. Thee day service was rendered I paid {$170.00} that was due and wasnt advised any other amount was due.. Service was done in XX/XX/2018 and after calling the medical provider they claimed they tried to call once and sent two statements to my home. The only notice that I received was when the credit monitoring company sent a notification a few days ago. The medical provider said the debt was sold and they couldnt help me. I pay every bill due and sent to me. The medical provider has no proof that a bill was sent. They could have sent an email or certified letter. Phone calls unfortunately are not safe, you never know who has stolen information using it to commit fraud. The medical provider nor the debt collector ever tried to contact me that Im aware of. I told them the balance wasnt a problem provided I receive a bill for service. The debt collector didnt have bill since they didnt render any service to me. The medical provider said the debt was sold and out of there control. I want my credit cleared of any negative impact from the debt collector.
03/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 334XX	Web	Servicemember
In XXXX of XXXX had to visit the XXXX XXXX XXXX XXXX XXXX XXXX for a life threatening emergency. On XX/XX/XXXX, I receive an alert stating that a new collection account was added to my credit report. After, reviewing my credit file, I noticed that a collection company named PROFESSIONAL FINANCE CO falsely reported incorrect information to my credit file. I never reveived a statement XXXX XXXX XXXX XXXX stating that I had an outstanding balance. My notice of a balance was the alert I received from my credit monitoring service. According to the false information that PROFESSIONAL FINANCE CO entered on to my credit file, the balance owed is {$1600.00} and they are reporting that account was opened XX/XX/XXXX. Finally on XX/XX/XXXX at XXXX, a rep from PROFESSIONAL FINANCE CO finally calls me about the account. I asked them to explain to me how is my 1st notice of this possible outstanding balance coming from a collection agency and not XXXX XXXX XXXX XXXX? The only explanation the rep was able to offer was an apology. My wife and I have been the market looking for a house since XXXX of XXXX. We had been literally checking and verifying our credit file 6 to 10 times a month. During this time, this illegitimately reported account ( XX/XX/XXXX ) never showed on my report until XX/XX/XXXX. So not only was the collection agency my 1st only notice of this possible debt, they also incorrectly reported that delinquent debt has been on my credit since XX/XX/XXXX.
01/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80239	Web
Professional Finance Company in XXXX, CO XXXX is the company I am dealing with. In XXXX of 2021, I received a summons to answer and complaints of debts that I supposedly owe. I was very curious as to how they decided to take action on this so I called the courthouse of XXXX XXXX and the clerk told me there wasnt any kind of case or docket number at the time. I still showed up to the date presented on the complaint and filed an official answer and request of debt validation. A few days passed after and I received a stack of paperwork containing personal medical records and information that I did NOT consent or sign anything giving them access to these private records. I am aware of my rights knowing that this company can not have access to this much information, only the bare minimum to collect on this amount. Theres information about my procedures and surgeries that I got on the date of my hospital visit. I believe this violates HIPAA laws and would like an explanation on this. I will attach some pictures as well as additional information that I, again, had no idea that they had access to. I will formally request that they immediately stop attempting to collect and cease all communications with me as well as report to the credit bureaus that I no longer owe. I will also file a complaint on the HIPAA website. Thank you. All the documents attached are the copies of medical records that they sent me in response to me asking about debt validation.
09/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 681XX	Web
My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me. It is my strong concern that I may not actually be financially responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one. In relation to being a previous victim of fraud, I find it most concerning that your agency is not licensed to collect debt in the state of Nebraska, making your attempts and credit reporting illegal and punishable by fines and criminal penalty.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I have never done business With Professional Finance Company Nor gave this third party debt collector access to my medical records. This is violation of federal law. Demand documentation on how this fraudulent Debt is being validated. Validation of Debt and HIPPA XXXX XXXX. Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to Professional Finance Company. Professional Finance Company collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.
02/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80233	Web
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PROFESSIONAL FINANCE CO. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and PROFESSIONAL FINANCE CO has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 198XX	Web
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXXXXXX Balance reported as XXXX starting on XXXX was in collection PROFESSIONAL FINANCE XXXX Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE balance was reported as XXXX on XXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX XXXX XXXX XXXXXXXX balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXXXXXX XXXX XXXX Balance XXXX as of XXXX XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you
10/06/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OK 73071	Web
On XX/XX/XXXX, I was served a summons I was being sued over a medical debt from XX/XX/XXXX. I had no clue about this debt OR that it had been purchased by a collection agency. When the services were initially rendered, I had been terminated from a government sponsored medical plan a week or so prior and didn't know I was uninsured. I had given the admissions person the XXXX information when I was seen in the ER. I found out later that day when I tried to fill a prescription, that I had been terminated from the insurance. I never received a bill for the services, so I thought it had been paid by XXXX. I moved to my current location in XX/XX/XXXX. I had the same phone number from XXXX - XXXX. I also had a job at the same place during that time. My first notice of this debt was the summons to appear in court for an outstanding debt of {$1000.00}. I have been attempting to fight the civil case in court per se since our first court date. Professional Finance Company, LLC has never called me or attempted to remedy this debt outside of the court proceedings. I attempted to settle for {$250.00} with my paperwork during discovery. No response, only another court date. Not only did I NOT know this debt was still owed for 4+ years, I didn't know it had been sold to this predatory company. They sued me without ever trying to contact me.
06/22/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75028	Web
On XX/XX/XXXX, I paid XXXX XXXX {$590.00} pursuant to a statement I received from them the previous month. For whatever reason, unknown to me, XXXX turned my bill ( which was paid in full ) over to Professional Finance for further collection. When they called in XXXX, XXXX, I told them I had paid. They required a receipt. My husband IMMEDIATELY went to XXXX and obtained the receipt showing payment in full two months prior. I forwarded the receipt to Professional Finance. In spite of this proof, they reported me as a no-pay to the credit agencies. I disputed the debt and provided proof of payment to Professional Finance and all 3 credit bureaus via certified mail. That was a month ago. Today, they started calling again saying the payment to XXXX did not count. Unknown to me, XXXX refunded the money to my credit card XX/XX/XXXX. I have no idea why and they will not respond. Countless calls to both XXXX and Professional Finance. HOURS on the phone with Professional Finance and the Billing Dept at XXXX. No resolve. These clowns have obliterated my XXXX credit score while I am trying to buy a new building for my law firm. Due to this misinformation, my credit is now in the low XXXX. I am a RE attorney so this is not in my wheel house but I want to learn more about consumer protection so I can assist other victims of this outfit.
04/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 894XX	Web
I apparently had a balance on a medical service that I recieved from XXXX XXXX Hospital. I had paid the up front deductible at time of service. I never received a bill or notification of a balance owed not covered by my medical insurance. I only discovered this myself because I have XXXX XXXX on my smart phone. I 'm in the process of refinancing my home. I found a derogatory mark on my credit. I called Professional Finance Company. Right away they said this was an attempt to collect a debit. I ask was debit they said it was from XXXX XXXX Hospital but could not tell me what the charges were for. I had to contact them myself. Which I did it was like pulling teeth. They said since it had gone to collections it would take some time to find out what it was for. many days later I found out what it was for and I called the Professional Finance Company to pay this debit and I was told it had already gone to the courts and I was already served. I had never received anything from the Collector, Courts or Hospital in regards to my debit. Not only was I change my original balance, interest and court fees. How is it possible for them to hurt my credit but also my creditability in my town. Without any notice. I did all the work. They can just SAY they sent me notifications and that proof enough?
07/09/2021	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	CO 80234	Web
On XX/XX/2021 my mother was served by a process server at our home. The process server told my mother that I had a court date for XX/XX/2021 at XXXX XXXX in the county court of XXXX in Colorado. The process server told my mother that I could go to jail if I didnt show up at this court date. My mother gave the documents to me on XX/XX/2021. Upon reviewing the documents I found that while they appear to be an official summons to answer and related forms, the papers are actually falsified documents. There are no case numbers, no signatures and no stamp of approval by the county clerk. In fact, the forms state plainly at the top that they are for court use only. I called the company immediately and they admitted that there is not a court date and that the petition was never filed in XXXX County but that I owed the debt of {$320.00} plus the fee to the fraudulent process server ( which they didnt know or provide the amount ) and the alleged fee for filing, which again, was not filed. I believe that this is a deceptive tactic that is disallowed under the fair debt collection practices act. The company will not return my phone calls and this why I am submitting this complaint. Please see the attached photos of the document that was served to my mother yesterday. Thank you for your time and assistance.
10/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80222	Web
On XX/XX/2017, I was admitted to XXXX Hospital, incurring medical bills from various providers. All were paid and satisfied by myself, or my health insurance company, XXXX. XXXX XXXX continued to pursue an alleged debt, even though they told XXXX that they would credit my account. They then sent the account into a collections process with Professional Finance Company ( PFC ). I responded to PFC regarding the fact that this bill had been paid by my insurance company, but they have not removed the blemish on two of my 3 credit reports. I have written to all of the credit agencies, and so far, XXXX is the only company to remove the false information. I have also followed up with a letter to both XXXX XXXX and PFC with documentation proving that the medical amount was paid in full by XXXX. In fact, even though XXXX paid the claim 100 %, I had already submitted payment of {$50.00} which XXXX owes to me! I am attaching the documentation to support this information. I have lived with a chronic condition ( XXXX XXXX ) and have never had an accurate blemish on any of my credit reports. My history of paying my debts in full and on time is clearly indicated by all 3 of my credit reports. I believe the effort I've had to put into trying to clear my good name is beyond anything that should be required.
06/03/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO 80521	Web
I contacted this company to pay for any debts they held in my name several months back. I reviewed each item and paid all of them -- except for a court fee that I told them I would not pay because the XXXX XXXX XXXX XXXX had wrongly ticketed me over four years ago. Their officer routinely picked up my dog from my house, would hold him ransom For hours ( I would know he had him within minutes ), and then charge me large fees to get my dog back. I spoke to someone and cleared all debt, also found out there were several amounts around {$5.00}, and under {$100.00}. I asked why I did n't know about those, and the debt collector told me it was because it was such a small amount that they would never try to collect it. I paid everything except the city fees. Today, a woman appeared on my porch, she was very aggressive and began yelling at me when I asked her who she was. She said she was an officer of the court and I had to tell her who I was. I asked her her business and stated that she was on my property and I was not going to answer her. She said, " then you 're so and so '' and shoved a court summons through my screen door. I asked her several times why she was b omg so aggressive and she repeated that she was n't, she was an officer of the court and that I needed to answer her.
03/05/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 800XX	Web
On XX/XX/XXXX, I received a letter from a supposed attorney working for Professional Finance Company. He only identified himself as XXXX XXXX. There is no law firm contact information at all. He only suggested me to call Professional Finance Company to pay the alleged debt. He threatened to take legal action on this matter and seek judgment against me. He states that he will not initiate any legal action until I have exercise my rights ; which I did a year ago ( XXXX, XXXX ). I requested a validation of my debt ( a detail statement and a copy of the contract which bears my signature ) the only paperwork that I received was a copy of a statement which included the name of the " original creditor '', interest rate, interest accrued including fees and total amount due. I sent them a second letter stating that I needed more information on the debt and they kept sending me the same statement. PFC said it was all they needed to provide to collect the debt from me. Which I didn't agree and they reported me to the credit bureaus. To stop this misleading information, I decided not to fight it with them nor the credit bureaus. After a year ( XXXX, XXXX ), they threaten me to take legal action against me but they keep sending me the same statement but now with a different account number.
07/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75052	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
10/29/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80219	Web
I am being harassed and notified to be sued if I dont pay a collection that I already disputed and showed proof of why I am not responsible for the collection. It was already removed from my credit reports earlier this year and my insurance has already sent forms to the other party and myself that these charges are not my fault. This has to do with an accident I have had on XX/XX/2017. XXXX ambulance took me to XXXXXXXX XXXX XXXX. They never sent me no forms of mail to me or my insurance company which is XXXX XXXX describing payment for ambulance ride. They sent a collection against me without contacting me first. I was notified about the collection two years later and my insurance had said it was there fault for not notifying me or them about the charges within a year. My insurance company also told me they sent the collection against me 30-40 days after my accident which is a untimely matter. If they wouldve just let me know about these charges back in 2017 my insurance company wouldve paid the amount. But they didnt and now my insurance company have sent forms and spoke to them that they are not to go against me or them for these charges. Professional Finance Co is the debt collector that is trying to sue me and harass me about this debt collection and Iam not responsible.
08/13/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60564	Web
I have been visiting a XXXX, XXXX XXXX at XXXX XXXX for XXXX sessions in the XX/XX/XXXX. At times, when I could not make the session due to health or other reasons, I had sent the emails in advance to the XXXX to cancel and reschedule the sessions. The XXXX had always rescheduled but never informed that there was a cancellation period or a cancellation fee. The facility was paid by the insurance company for the sessions, but the cancellation fee was applied to my account. No one from the facility, while I was visiting there, ever told me about those late charges neither did they mail any invoice to me. Till date I have no documentation about these charges from XXXX but these charges were straight reported to the collection agency named Professional Finance Company , Inc . The collection agency only called me but never clarified that these charges are just for the late fee. They never mailed any statement to me either. I called XXXX XXXX multiple times between XXXX through XXXX of XXXX too and was told that there is no outstanding amount. But the collection agency still kept calling me and eventually reported the 2 charges for {$100.00} each to the credit bureau. I find these late fee charges completely unfair and inappropriate and would request to be taken off. Thank you.
08/23/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80634	Web
While visiting in Colorado, I suffered an injury to my XXXX which required XXXX and XXXX. I have insurance ( XXXX through XXXX XXXX ) through the state of New Mexico which covers me out-of-state IF I am treated at an urgent care center, emergency room, or hospital. I do not understand why XXXX XXXX continues to have unpaid bills for me. I am not even sure where it is just doctors, or the hospital itself, or who they say I still owe. I have heard several different amounts being reported. There was a form that needed/needs to be signed and this was given to them. This has now been made more difficult because they have turned me over to a collection agency. I got repeated phone calls from the hospital and now from PFC USA ( Professional Finance Company, PFC USA, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CO, XXXX ). I have talked with my insurance company. They are trying to help, but nothing is being resolved. I have explained to everyone I HAVE INSURANCE, but of course, they just want the bill paid. I have always been very diligent about my bills, my accounts, etc. and have maintained an excellent credit standing before college, through college, and now after. I was very disheartened to learn of a XXXX point drop in my credit score. Please help me.
08/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33308	Web	Older American
I was a victim of Surprise Medical Billing. I was scheduled to have XXXX XXXX on XX/XX/XXXX. XXXX was performed and was successful. My first notice of payment owed was XX/XX/XXXX, stating that the account was overdue. The amount was {$1000.00} and I was completely surprised by this. I found out that the XXXX used in my XXXX XXXX XXXX XXXX XXXX XXXX I was never made aware of this fact before or after the XXXX nor did I ever give any authorization to use a Non Network provider. I received a Final Notice from XXXX XXXX on XX/XX/XXXX, prior to them sending this over to a collection agency. I contacted XXXX XXXX on XX/XX/XXXX and advised them that I was disputing this claim through my Health Insurance Company. I made a complaint to my health insurance company, XXXX from XXXX XXXX. They replied to my complaint on XX/XX/XXXX and did nothing other than verify this was a Non Network provider. I then received a collections notice from Professional Finance Company, stating I now owed {$1000.00}. I called this company and advised them that this Surprise Bill was under dispute and I was waiting to hear from a complaint I had made to CMS.GOV, confirmation # XXXX on XXXX XX/XX/XXXX. I have now made this complaint with you on XXXX XXXX XXXX.
01/24/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OK 73071	Web
I was sued on XX/XX/XXXX by Professional Finance Co and the judgement was taken up by XXXX, XXXX XXXX XXXX XXXX for an ancient ER bill. The original bill was from XXXX for {$730.00}, but as of XX/XX/XXXX they begun garnishing my wages to the tune of {$3500.00}. I was NEVER contacted by PFC, NEVER contacted by the law firm they sold the debt to, and when I contacted the aforementioned law firm not only did they not care at all that I was never made aware of any of this until after they started garnishing my wages, I found out that all the debt notices and legal paperwork was sent to an old address that I haven't lived at since XXXX. So they can find out where I work so they can take my money but they can't be bothered to search public records to find my current address when it's time to notify me that I owed money? Gee, kind of seems like they didn't want me to be able to respond or dispute anything, makes it easier for them to snowball the amount owed. I don't know if there's anything that can still be done about this but I will be contacting a lawyer soon and filing a bar complaint against this law firm as well. Taking {$3500.00} of my money for a {$730.00} debt, that is flat out criminal and these people need to be stopped.
06/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 675XX	Web	Servicemember
I was contacted on about XX/XX/XXXX with regards to a hospital edebt in another state. After speaking with the person on the phone it was determined that I was not the person that incurred the debt and was asked to write a letter stating that information. On XX/XX/XXXX I received several credit alerts stating that a Derogatory Account had been posted against my credit report with both XXXX and XXXX. I have disputed the account with both credit agencies and attempted to contact someone from the credit collection agency but have not received a response. My credit agency account has had an " Alert '' for common name placed ion the account since XX/XX/XXXX, whem I contacted XXXX they confirmed that my account is STILL noted with the following note ( paraphrased ) " Fraud Alert : Common Name verify identity prior to granting credit or reporting on this account ''. This collection company has failed to do that and posted a derogatory report against my credit anyways and has made no additional attempts to contact me, even though my credit report phone and addrerss are 100 % correct and have been since XX/XX/XXXX. The name of the company is Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ( XXXX ) XXXX
04/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 374XX	Web
My ex-spouse took my son to the doctor and there was a bill outstanding for {$180.00} and another for {$25.00}. This happened in Colorado XX/XX/XXXX and XX/XX/XXXX. This week I see a negative mark reporting on my credit report so I contacted Professional Finance Company and explained to the gal that I was not in Colorado during those times and therefore could not be responsible for the dept. I also explained that I didnt even know there was an outstanding debt or I could have paid it before it went to collections. The hospital had my ex spouses address but for some reason my name and social security number. The gal on the phone told me that once it went to collections it became both mine and my ex spouse responsibility according to Colorado Law. Which I understand but I was never given the change to pay the bill prior to it going to collections and if I was given that chance this would be a moot point. The gal at the collection company did have my correct address but never, ever have they sent me a notice of this debt and in fact she said they had been sending it to some address in XXXX Colorado. So there was never an attempt to contact me via mail and therefore I feel that this action should be removed from credit report.
07/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 367XX	Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
07/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 780XX	Web
To Whom It May Concern : XX/XX/XXXX Reference Account # - XXXX Reference Account # - XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) all three disputes were sent by certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding two collection accounts being reported by Professional Finance Co. The collection accounts in question are both regarding an original creditor, XXXX XXXX XXXX XXXX. I have requested each of the three credit bureaus as well as Professional Finance Co to validate this debt by providing a contract that bears my signature or any documentation they can provide to prove this was in fact my account. Letters were mailed directly to Professional Finance Co on XX/XX/XXXX also by certified mail. Both XXXX and XXXX have deleted both of these accounts ; however, XXXX is stating that these accounts have been verified by the collection company, Professional Finance Co. I have attached the XXXX and XXXX dispute responses which reflect these accounts have been deleted. If Professional Finance Company has an obligation to report accurate information to all three credit bureaus, why is there a discrepancy in their reporting methods? Thank you, XXXX XXXX
06/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75067	Web	Servicemember
XXXX XXXX billed the incorrect insurance although they had the correct one but listed it as secondary. They never tried to collect from the correct carrier, XXXX. XXXX then sent me to collections and every month the agency submitted a negative report to the credit bureau. All XXXX had to do was contact me regarding the correct insurance or bill the other insurance that they had on file. The bill was from XX/XX/18 and it was over XXXX. Once I found out about the negative report, I then contacted XXXX where the office manager would not call me back for a week and after I left several messages. I did ask the front desk for the billing dept 's phone # and spoke to someone in billing who reviewed the bill and admitted that they made the error, so they would remove it from collection. I obtained the phone # to the collection agency and confirmed that the bill was removed, but this does not fix the 17 months of negative reporting. I then left another message for the office manager explaining I needed an immediate call back as I was in the process of filing a complaint. The manager called me back and assured me that she would have this removed from my credit report and send me a letter stating such.
10/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75217	Web
I received my first letter stating I needed to pay amount due {$92.00} for a medical bill around XXXX. I have letter to upload. On XXXX I paid entire balance in full. I will upload credit card statement. Then earlier this week I receive collection notice from PFC Professional Finance Company stating I owe {$0.00} Principal balance but I owe {$0.00} cents for interest. XXXX cents. I said XXXX cents. Back of letter also states " As of the date of this letter, you owe the amount indicated under the amount due on the front side of this notice. Because interest charged on account from the date the account was placed on collections ( which was {$0.00} balance ), the amount due will increase daily because interest charges will continue to accrue. If you would like the most current information concerning your balance prior to paying the account please call XXXX '' nowhere have I seen anything about interest on any paper work until this collection notice. The paper the sent me with envelope cost more than XXXX cents. I feel PFC is breaking FDCPA guidelines for threatening me with daily additional interest. How can charge interest on a {$0.00} balance. Medical billing do not charge interest.
08/24/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77082	Web
I have been in contact with Professional Finance Company since XX/XX/2021 as of late I have sent documents on XXXX in regards to this fictitious debt they placed on my consumer report. They had no write to place any false misleading unverified accounts on my consumer report.. I am a federally protected natural person and consumer and they have breach my consumer rights. Pursuant U.S. Code 1681n and all of its subsections. They owe me compensation granted to me by federal law. Please make not this is my final attempt to settle this mater outside of a federal courthouse. I have attached all documents and an invoice for payment request. The FDCPA allows me compensation for their willful damage and knowing noncompliance of these laws. Their act of piracy and act to damage my consumer report for monetary gains will not be tolerated. I am invoking my specified remedy as a consumer and I expect to receive my just due via federal law. Simply removing this account does not remove their liability and it also doesnt change the gaming affects this false reporting has so to much consumer report. They have caused me monetary damages and also caused me to be denied for further credit opportunities.
10/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 814XX	Web	Servicemember
XXXX XXXX XXXX did not follow the new law that offers discount health services. At the time of my hospital stay i was covered under new mexico medicaid. I wasnt asked if i had health coverage at all. I wasnt able to qualify for colorado medicaid at that time because my new mexico medicaid coverage was still active and no body told me that i could have the bills from hospital paid by new mexico medicaid and when i finally was abe to get colorado medicaid the case worker wouldnt back date the medical bills to be paid in colorado medicaid. so i feel like this is very, very large debt that is beyond my ability to pay off and i feel like if i was covered on medicaid it should have been paid. I was very XXXX XXXX XXXX for several months and really didnt have any idea i was expected to pay this debt and the lack of help is upseting. so now not only do i owe {$12000.00} from XX/XX/2021 i also have {$2300.00} from XX/XX/2021 that was sent to Professional finance company, inc to collect the debt from me. There are several more debts ive been trying t pay to another collection agency from this same time frame. I feel either new mexico or colorado medicaid rightfully should pay this. thank u
01/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NE 687XX	Web
Dear Sirs, I was attending school at XXXX XXXX College in XXXX Colorado, going on my second semester ( In XXXX of XXXX ). In the end of XXXX, I received a phone call from XXXX where I found out that my mother had XXXX. I had to leave school to go take care of her in XXXX XXXX XXXX, XXXX. When I came back, in XXXX of XXXX, I found that ( XXXX XXXX COLLEGE ) had sent a bill that they said I owed in the amount of {$740.00} to a collection agency, by the name of PROFESSIONAL FINANCE COMPANY, located at XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Phone nubers ( XXXX ) XXXX and ( XXXX ) XXXX. I basically only went to class for a few days for that XXXX Semester ( which began in XXXX of XXXX ). I have been unable to pay this, and I am currently attending school at XXXX XXXX XXXX in XXXX, Nebraska. In order to enroll for the next semester, I am going to need the transcripts that XXXX COLLEGE has, which they will only give after what they say I owe is paid. I do not know what to do, because I am very poor, and I need the transcripts in order to continue going to school. Please, I need your help. I do appreciate so very much your time and attention to this matter. Respectfully yours,
11/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28304	Web	Servicemember
This debt was occured on or about XX/XX/XXXX of 2018 and the original creditor never billed my XXXX insurance then tried to go over without billing my XXXX XXXX first and sent the balance to me when my insurance information was furnished upon to begin with at time of service. Now years later they submitted my account to professional finance company in Colorado which refuses to check the validity of the debt which is invalid because I have a better business bureau complaint open where the original creditor themselves wrote that as it is too late to bill insurance the account ilhas been recalled from collections and written off as it was not my fault. When I contacted professional finance company countless times between 5-10 with detailed voice mails they said they are unable to contact their client to review the validity of the account this has brought my credit score down and it is not a debt I owe and never owe because of their deviant billing practices this needs to be reversed as soon as possible and they are refusing to do so when I clearly have it in writting and all the proof has been submitted. The original creditor was XXXX XXXX XXXX also in Colorado
07/27/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60435	Web
Pursuant to 15 USC 1692c ( C ) ( 2 ) I am notifying Professional Finance Company in writing that this debt does not belong to me. I am demanding that you cease all forms of communication with me through all mediums. Including but limited to phone calls, text messages and reporting to credit reporting agencies. Pursuant to 15 USC 1692c ( C ) ( 2 ) I am invoking my specified remedy as a consumer and the original creditor I am demanding all of the following : Zero out the balance on this account, delete from all consumer reports and pay {$2000.00} to compensate me for every violation. 3 Federally Protected Consumer Rights Violations. ( 1. ) 15 USC 1692d ( 5 ) - Causing a telephone to ring or engaging any person in telephone / text message repeatedly or continuously with intent to annoy, abuse, or harass and any person at the called number. ( 2. ) 15 USC 1692b ( 2 ) - Shall not state that such consumer owes any debt. ( 3. ) 15 USC 1692b ( 5 ) - Not use language or symbol in contents of any communication effected by mails that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
01/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28273	Web
I owed {$150.00} to XXXX XXXX for a medical service, which I paid directly using my health flexible spending account. If you contact their accounting office, they will confirm receipt of payment, but I'm also attaching what they sent me as proof of their own ledger system. Somehow the debt went to a collection company named Professional Finance Company ( PFC ), po box XXXX XXXX XXXX XXXX. Telephone number XXXX. I did not receive a notice / bill from the company but learned of the issue via a derogatory entry on my XXXX credit report. I have tried multiple times to contact Professional Finance company directly via phone ( leaving voice messages ) and I tried to dispute via XXXX, both to no avail. None of my calls have been returned. And XXXX has been experiencing a technology issue for the past few weeks which prohibits me from uploading supporting evidence. Without the evidence, XXXX can't proceed with investigating the dispute. I have spent countless hours on the phone, writing emails and working on XXXX 's website that isn't functional. I'm hoping this agency can help me get remediation and remove the item from my credit report.
04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KS 662XX	Web
I was contacted by Professional Finance Company , Inc. in XX/XX/XXXX stating that they were attempting to collect a debt for the XXXX. I asked PFC to provide me a reference account number, any possible verification of the debt they claimed I owed, because I had never received any communication in writing or verbally regarding this claim. All I was informed of was that they were unable to provide any information validating the " amount owed '' and that it was from the year XX/XX/XXXX. I immediately contacted the original creditor, XXXX and had the amount paid in full and my account put back in good standing. In XX/XX/XXXX, Professional Finance Company , Inc. reported the CLOSED, PAID IN FULL amount to the credit bureaus without any attempts to contact me. In addition, This debt was never owed to them. Now my credit report reflects inaccurate information. I demand that this be removed from my credit report immediately, I have filed a dispute with XXXX to have the inquiry removed. This is false, inaccurate information being reflected on my Credit Report. The debt was already paid and was never owed to Professional Finance Company , Inc .
09/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web
15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment of the debt.
01/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AZ 85224	Web
The original Debt came from XXXX XXXX XXXX. The debt was an error or their part and was not a valid debt. I contacted XXXX regarding this in XXXX of XXXX, they then contacted Professional Finance, which is the collection agency to advise this was not a valid debt, and requested it be revoked and removed form my credit report due to their error- this was not done by Profession finance. I pulled an annual credit report in XXXX of XXXX to discover this debt is still showing from this creditor and collection agency as an open account. So not only is it still showing as an open account, it is still showing on my credit report, which it should not be at all. I then contacted XXXX again in XXXX XXXX, they in turn contacted Professional Finance and spoke to XXXX on XXXX/XXXX/XXXX. XXXX advised that she would contact the credit bureaus and have this debt removed. As of today XXXX this debt still shows as an open account on my credit report. Professional Finance has failed to take the appropriate measures to remove this negative information from my credit report after several attempts and requests to do so.
11/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76107	Web
I had a test done onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Phone # XXXX. On Saturday, XX/XX/XXXX I received a bill from Professional Finance Company , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Co. XXXX for {$250.00}. I called this debt collector today because I was not sure what this bill was about, since I never received a bill for this amount {$250.00} from anyone including XXXX XXXX XXXX. The bill collector advised me the bill was sent to a old address twice and did not hear back so it was now turned over to them for collection. I provided my correct address to XXXX XXXX XXXX on XX/XX/XXXX, before I had the procedure. I called XXXX XXXX XXXX today about this bill since I never received noticed. They said the apparently they forgot to update my address in the system so that's why I never got a bill. I have insurance and I assumed everything was paid for since I hever received a bill. They also advised me they called me on XX/XX/XXXX. I never received the call so this whole incident is what I am complaining about. Not a good way to do business.
12/14/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85635	Web
I had emergency XXXX in XXXX is 2020. After my XXXX I began to receive the bills as I was not covered at the time. I applied for and received state insurance and contacted all of the hospital billing departments to provide the insurance information. Most was resolved but there were a couple who continued to call and harass me. Professional finance co. being the main and last one I am writing you about today. I jumped through hoops for them and the hospital to get all of the correct information needed but this company will not comply. I have called and verified with XXXX XXXX XXXX hospital that they in fact were paid by insurance for this on two separate occasions. The last lady I spoke with said she had no idea why this company was coming after me, they had notified all applicable parties that this account is paid in full. Yet instead of doing their due diligence of calling the hospital to verify, they continue to harass me and destroy my credit instead of doing their job. They would rather waste everyones time and ruin people 's lives than actually do what they are there for.
07/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76248	Web	Older American
I received a Bill from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$210.00} and PAID this Bill in Full on XX/XX/2022 via my XXXX Bank Electronic Bill Pay Service. I later received Correspondence from Professional Finance Company, a Debt Collection Agency, for this very same Bill. I contacted XXXX, who would not address this Issue with me and was referred back to the Debt Collection Agency. I have provided Professional Finance Company, XXXX ( XXXX ) Separate Proof of Payment Documents from XXXX Bank, which Professional Finance informs me that XXXX will Not Accept as Proof of Payment. I have PAID this Bill. My Bank has Confirmed that the Transaction was Processed/Paid, however, XXXX and Professional Finance Continue to Refuse to Acknowledge Payment. XXXX states that they do not show the Payment Transaction in Their System. XXXX Bank shows the Payment Transaction as Processed/Paid to XXXX. I need help in resolving this Dispute in Collecting a Debt that I have already paid. Your Assistance in helping me to resolve this matter is greatly appreciated. XXXX XXXX
03/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 354XX	Web
I received information from you attempting to collect the above-listed alleged debt. PFC USA has several accounts listed on my credit Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
03/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75039	Web
I received services at XXXX XXXX XXXX XXXX back in XXXX. I applied for financial assistance XX/XX/XXXX with office Manager. XXXX was approved and paid at XXXX XXXX XX/XX/XXXX I received an alert that my credit score dropped XXXX points because of XXXX accounts placed by XXXX XXXX for XXXX plus. I contacted them and let them know debt was not owed they told me they have no documentation showing that it was. I called XXXX XXXX and they stated debt was sent to collections in error. XX/XX/XXXX XXXX spoke with representative XXXX at Professional Finance and communicated debt was not owed. On XX/XX/XXXX I called Professional Finance and a representative named XXXX stated debt was still open as unpaid. Which is incorrect. I asked for validation and was sent a bill that was paid in full from year XXXX. Debt is not owed and should of never been sent to collections or put on my credit. The errors are interfering with business such as risk for closure of credit cards and applying for a new place to live due to low credit rating. I want debt removed from all XXXX Credit Bureaus.
01/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76036	Web
In XX/XX/XXXX, I received services at a medical provider, but I wasn't able to pay my bill because I am low-income. I had applied for financial aid from the medical provider, but couldn't receive approval for financial assistance because I couldn't provide proof of address, due to living with family. As a result in XX/XX/XXXX, my medical debt was assigned to a debt collector, Professional Finance Company. The debt collector never made any attempt to contact me before putting this on my credit report like they are supposed to, before this was placed on my report, I should have received a letter stating that the debt has been assigned to their company, and informing me of my rights. Towards the end of XX/XX/XXXX, I sent a letter to the debt collection agency asking for debt validation letter. It will probably take 30-45 days before I get anything back, but I am still going to file this complaint The original amounts of the services from the medical provider were {$1100.00} and {$700.00}. The debt collection company has been adding interest since it was assigned to them.
08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 80249	Web
XXXX bill was sent 5 years after accident. I was not at fault ; other driver 's insurance admitted they were responsible and failed to pay the bill on time. Insurance company agreed to pay all additional fees. They asked the collection agency for an invoice showing all fees. Debt collector supposedly tacked on all " late fees/additional fees '' when the insurance asked for bill detail. AFTER insurance company paid the bill they received from the debt collector, the debt collector continued to call me at work and on my cell telling me that the bill was not completely paid. When I presented the check number and date cashed to them, they told me the legal fees were still outstanding. I asked why they did n't include those on the insurance invoice if the insurance company was WILLING and ABLE to pay the additional fees. The case never went before a judge. The debt was paid a month before the set court date. They called my work on a regular basis asking my HR department about my employment. They would call me and not leave messages as I had stopped answering their calls.
07/19/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80026	Web
I work for a company regulated by the FCRA and know that the statute seeks to not unduly burden the consumer, which is not atypical with laws that protect consumers. The collection agency that contacted me provided very limited information about the debt they were collecting. I have medical insurance and each time my insurance card was used. I have not received anything from a medical provider indicating that there is a balance outstanding. I requested more information from the collection agency and was told I had to submit the request via US Mail. This seems unduly burdensome particularly given the fact that they went through more than sufficient steps to validate me via telephone. They simply did not want to be bothered to send the information. I went ahead and paid it for fear of my credit being impacted and will now research it to try to ascertain its viability. When I paid it, I asked if I could receive something in writing confirming that the matter was resolved and was told that I could make that request in writing. I am in absolute disbelief.
02/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32828	Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, is trying to collect an allege debt ( XXXX ) : {$100.00}, {$100.00}, {$140.00}, and {$140.00}. This collection company changes its address and refuses to accept certified mail requesting a copy of the contract I'm alleged to have signed that authorized payment of this fraudulent account. XXXX XXXX have changed the date ( XXXX ) of these alleged accounts to keep them active on my credit file report ( XXXX ). I have been denied credit or offered high interest rates by potential creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, is trying to collect an allege debt : {$350.00}. This collection company refuses to accept certified mail requesting a copy of the contract I'm alleged to have signed that authorized payment of this fraudulent account. XXXX XXXX XXXX XXXX XXXX have changed the date ( XXXX ) of these alleged accounts to keep them active on my credit file report ( XXXX ). I have been denied credit or offered high interest rates by potential creditors.
12/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80537	Web
XXXX XXXX XXXX never ran a claim through my insurance. I called multiple times and they said there was a " glitch '' in their system and it never was sent to my insurance company. When they finally did submit the claim it was past the amount of time for them to submit it so my insurance company denied the claim. XXXX XXXX XXXX said that since they did not submit it in the time that was required, that I did not owe the money and they would take it off my account. They took it off in XX/XX/2018 then for some reason sent my account to collections, Professional Finance Company. I explained the situation and they said I need to prove that XXXX XXXX XXXX stated they would remove this. I sent them a letter along with my statements showing that the charge was removed from my bill, this was in 2018. Now they are reporting that my account is delinquent. I contacted them and resubmitted my information but the account is still showing as adverse. In the documents below, it show the charge on my XXXX statement, then removed from my XXXX statement.
08/03/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80526	Web
Professional Finance Company is listed frequently in complaints. They must offer lots of bonuses to their employees. I had shoulder XXXX 7 years ago at XXXX XXXX XXXX XXXX of the XXXX -- XXXX XXXX. Not only was the XXXX unsuccessful, I was billed twice what the initial estimate was. Due to these factors I was not thrilled about paying, but I did attempt to, making an initial payment of {$700.00} and made some further payments. Well not long after I am told XXXX XXXX XXXX has the debt and they become quite aggressive in its collection, but now its even more, a {$2000.0 0} surgery is now {$4000.00}. I go to court and settle with these people and begin a fair payment plan which is automatically withdrew from my account monthly. 5 years later. I get another subpeona saying I owe the exact same amount and more for the same XXXX. 5 years of payments. Turns out they stopped with drawling 6 months ago and I didn't even know it. So court again tomorrow. They should be paying me by now and a counter-suit in the works.
12/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 52405	Web	Older American
Dental work completed at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX in XX/XX/2019. Was unable to complete payment, leaving a balance owed of approx {$600.00}. In XXXX of 2019, the dental office submitted the debt to Professional Finance Co, XXXX XXXX XXXXXXXX, XXXX, Co XXXX, now in the amount {$800.00}. My finances improved, and I contacted the Dental office, and settled my debt in the amount of {$600.00} directly with them. The only contact from Professional Finance Co has been thru my credit reports, as I have disputed the amount now on three different disputes, and each one has been " confirmed '' by Professional Finance Co, and they are reporting a balance due of {$200.00}. I have asked them for original documentation for the original amount due ( {$800.00} ), and for the remaining amount due of {$200.00}. No reply to date. I feel i do not owe the addition amount due, and the report should be removed from my credit reports at all three reporting agencies. Advise XXXX XXXX
12/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web
Reference # : XXXX I reject your offer to contract. I did not consent to any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claim act. I would like the name and address of the original creditors as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress!
09/08/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CO 816XX	Web
I have been trying to handle a medical debt with Professional Finance since XX/XX/2021. I noticed two Collection accounts on my credit report in XXXX of XXXX, I contacted the Collection company and all they did was send me " a validation " of my name and address on the collection. I then contacted XXXX XXXX XXXX they said they had no information on it it had been sent to collections, I then called my insurance company and they stated they never paid because the {$1500.00} deductible was never paid by me and the account was too old to pay now. The insurance told me to deal with the collection agency. I then called XXXX XXXX and said I would pay what I could on the deductible, they said they wouldn't take it. So, I then sent Professional Finance 2 more settlement letters. I still have not received communication from them. I have done everything possible to handle this and this is affecting my ability to establish credit. Furthermore, every month they are unlawfully re-aging this account.
05/02/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NM 87120	Web
I have literally been trying to get this bill corrected for months now. XXXX XXXX XXXX used the wrong codes to bill me for STANDARD XXXX XXXX that is always covered under insurance. They coded it as " experimental '' which resulted in me getting a bill for the full price of the test. I called XXXX, they passed the blame to my doctor, I called my doctor, they said it's on XXXX. I told them repeatedly that I'm willing to pay whatever small amount I owe after the insurance covers their part, that's why I have insurance, yet I couldn't get any help. After months of calling, expecting calls back, not getting any answers, they put this on my credit report without properly notifying me. I didn't get any calls or letters from XXXX about this balance getting transferred to a collection agency. They billed me wrong, refused to help me, didn't properly notify me, and now they're damaging my credit. For your reference, the account was opened on XX/XX/2019, in the amount of {$160.00}. Thank you.
08/01/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OK 73159	Web
XXXX XXXX Hospital. Service Date XX/XX/XXXX. Indicated patient part due XXXX. Paid on XX/XX/XXXX. Never had any documentation or bill sent after that. No phone call, No bill. Then on Saturday, XX/XX/XXXX, I received a bill from a collection agency. XXXX XXXX XXXX because I had insurance, they said they never received a bill from the above hospital. I have requested by phone and fax that they ( XXXX ) send me an itemized bill, and they have yet to do that. People don't want to do there job, so its just easier to set it aside and wait right before the statue of limitations is about to run out and then turn it over to a collection agency. The bill could have been paid off by now, and not be on my credit report. There are tons of people out on the internet that companies are using the " Parking Practice '', rather than spend time trying to collect it. There should be procedures in place that they have to follow as well. Three times and you're out. Then turn them over to collections.
07/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80904	Web
On XX/XX/2014 I appeared in XXXX XXXX County Court to settle a dispute with XXXX XXXX XXXX. Case # XXXX was heard by Judge XXXX and DISMISSED. The matter was resolved on the spot and closed. After repeatedly being turned down for employment and credit extensions in the last few years, I requested my free credit reports to discover negative information reported from Professional Finance Corp as collection on behalf of XXXX XXXX XXXX? I called them directly but received no direct answer or call back from messages left. I disputed the information TWICE with the credit bureaus directly to have them refuse to remove this false reporting? I have provided copies of the court dismissal documentation issued from XXXX XXXX County court and the are still non compliant. I do not owe Professional Finance Company anything. The issue between myself and XXXX XXXX XXXX was resolved directly, in court!!! This negligence has cost me employment and is hindering my ability to survive as a result.
10/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33486	Web
Received a debt notice from a company I've never heard of ( PFC personal finance company ) 14 months after a lab visit. Reviewed my records and showed a paid bill from that doctor 10 months ago. I called PFC and they wanted a lot of personal information of mine including SSN, DOB, etc. Seeing I've never heard of this company and are not familiar with the debt, I chose not to provide it. They got angry and indicated they'd end the call. So I then called the lab to try to understand if there was any legitimacy to the claim. They could not verify it's legitimacy based on the account number provided by PFC. They too indicated that they're not actually the lab, but a 3rd party outsourced company ( XXXX at XXXX XXXX XXXX ) who really doesn't have much access to information. So I have a company I've never heard of trying to collect a debt that I don't think I owe. And a company who represents the company who allegedly referred the debt, who has no record of my account or a debt.
04/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80214	Web
I have asked the collection company for verification of debt multiple times. I have asked for signed documentation by me, XXXX XXXX, that the debt is in fact mine. The collection company has refused to send me any documentation showing that the debt is in fact mine. The collection company has refused to speak with me because they believe I have an attorney. I have spoke with my bankruptcy attorney to get documentation for the bankruptcy and the listing of PFC on the bankruptcy and that is the only contact I have had with an attorney. I was making monthly payments on the account until I realized I am already paying the debt with another collection company. I believe that the debt is not my debt and can not prove that it is or is not because PFC refuses to give me any documentation that the debt is in fact my debt. I would like a statement of account, and admission agreement or authorization of service on my account, proving that the account is in fact my account.
05/23/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NM XXXXX	Web
( from XX/XX/XXXX to today ) XXXX XXXX XXXX did not have all of my invoice covered by insurance. Apparently, they tried to bill me but kept sending the bill to the incorrect address even though they had my mailing address on file. They did not email nor call me to inform me that an amount was outstanding rather they turned it over to a collection agent Professional Finance Company. They have my phone number and email, they just chose not to use it or the correct address. I have applied for a mortgage and this small charge of {$150.00} has reduced my credit score from the 800s to the 600 's which will end up costing me tens of thousands in additional interest. The actions were negligent, irresponsible and uncaring and I have to pay the price. As soon as I learned of the bill I paid it immediately ( today XX/XX/XXXX ) but they should be responsible for the unfair and bad trade practice and to pay for the additional funds that I will have to pay on my mortgage.
05/23/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80015	Web
On XX/XX/2023, I received a letter and billing statement from XXXX XXXX, attorney representing Professional Finance Company, concerning an alleged medical debt with XXXX XXXX XXXX XXXX. Per the PFC statement, I was to pay XXXX or he and PFC intended to file " legal action '' to " collect the accounts identified ''. In reviewing the statement, the total amount included an 8 % interest rate. According to CO SB23-09, the Senate Bill `` caps the rate of interest on medical debt to 3 % per annum ''. I sent a dispute letter via certified mail on XX/XX/2023, to which a reply from PFC was received on XX/XX/2023 including a billing statement from the original creditor. Based on the statement from the original creditor, the amount of the alleged medical debt was XXXX with 0 % interest rate. As XXXX XXXX and PFC have clearly disregarded SB23-09 in their medical collection practices, I request the alleged medical debt be forgiven. Documents are included.
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21236	Web
I received a debt collection notice dated XX/XX/XXXX for the remaining balance of {$200.00} from Professional Finance Company , Inc. on behalf of the original creditor, Anesthesia Partners of Maryland. I began making monthly payments to this collection agency on XX/XX/XXXX - {$20.00} ; XX/XX/XXXX - {$20.00} and XX/XX/XXXX - {$20.00} ( payment receipts attached ). As of today, the balance remaining is {$140.00}. This collection agency reported to the credit bureau on XX/XX/XXXX that I owe {$160.00}. I have been making regular monthly payments and this should not have been placed on my credit reports as a collection account since a payment was made on XX/XX/XXXX. I have disputed this matter with all credit bureaus to have this collection account removed. The payments were made through XXXX which is the payment system Professional Finance Company sends to consumers to make payments. This is noted on their website at www.paypfc.com.
09/08/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CO 81301	Web
Dear CFPB, I am writing because I am being unfairly harassed and sued by Profession Finance Company on behalf of Colorado XXXX XXXX XXXX for emergency medical services provided XX/XX/2017. I was fully insured at the time of service by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX Phone : XXXX Group # : XXXX That insurance information was provided at the time of service and several times there after AND The insurer has agreed to accept the claim even though it it late if the provider just resubmits it AND In a conference call with XXXX XXXX XXXX XXXX and a my insurer, a XXXX representative explained that only the provider can submit or re-submit the claim AND The XXXX XXXX XXXX XXXX representative agreed to resubmit the claim but never did so. The non-payment is therefor the sole responsibility of Colorado XXXX XXXX XXXX and PFC who have been negligent in failing to properly submit ( or re-submit ) this claim as instructed.
03/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80021	Web
I sent a validation letter to professional finance on XX/XX/XXXX, requesting Validation of Debt and HIPAA authorization. On XX/XX/XXXX, I received a response, a printout of a statement from University XXXX XXXX, and a letter from Prof finance refusing to provide proof to validate the debt. Which is a violation of The Health Insurance Portability and Accountability Act of XXXX ( HIPAA ) Privacy and Security Rules. Not only did they refuse to provide proper documents, they violated Fair Debt Collection Practices Act XXXX ( 1 ). '' They provided me with a statement from the provider which is a total of {$730.00}, and trying to collect {$1300.00}. Again refusing to provide any documentation of where this extra {$570.00}. is coming from. I sent a cease and desist and requested removal from my credit report and have never heard back from them. This is now 6 months without it being removed or a response from them.
09/04/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OK 73071	Web
I have been repeatedly contacted by Professional Finance Company about a hospital bill from XXXX. I sent a certified letter on XX/XX/XXXX in response to their claims that I owe money, I responded within 30 days of their last collection letter. I asked for proof of the debt and what amount they will settle for if it is proven to be mine. My letter was received by " XXXX '' at PFC on XX/XX/XXXX, and I received no response or proof of the debt from PFC. Today ( XXXX XXXX XXXX ) I received another letter dated XXXX XXXX threatening to take legal action against me if I don't pay them {$1300.00}. They did not acknowledge my request for proof of the debt and they are still adding interest to the amount. Bear in mind, THEY STILL HAVE NOT PROVEN THAT THIS DEBT IS EVEN OWED BY ME. Just threats and demands. I guess I'll just see them in court since they're going to sue me over a debt they can not provide proof of!
01/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 354XX	Web
PFC has 5 un-verified collection accounts on my credit and I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
01/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75019	Web	Older American
A company called professional Finance Co, based out of Colorado has falsely reported that they are collecting a debt in my name in the amount of {$480.00} from XXXX XXXX XXXX. I believe this is a scam created to falsely make people think they owe money and try to scare people into paying. I have never had an account with any XXXX XXXX XXXX, nor ever received any communication from this bank, nor any communication from Professional Finance Co the collection agency regarding this matter, yet they reported this on my created report on XX/XX/2019. I have reached out to the agency in writing regarding the matter but never received anything back, I have filed a dispute with the credit bureaus but they did not correct the matter on my credit report. The CFPB should look into this scam as a quick XXXX search has yielded results where others are being scammed in a similar way as I.
06/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 37075	Web	Servicemember
I spoke with two representatives today on XX/XX/2021, with Professional Finance Company in XXXX, CO. The first rep provided me with the file number # XXXX and maintained adamantly that I owed this debt. I attempted to call the original creditor, and was promptly informed that the balance showed {$0.00} owed. I then called back Professional Finance Company and spoke to another rep. She indicated that somehow they sent me a letter back in XXXX at my new address, and that she would not be able to issue me a new letter until I requested one in writing. According to FCRA they have to provide written correspondence when the consumer requests it. They also can not continue to contact me via phone if I've requested such. So in the event they attempt to contact me again, you'll absolutely be seeing a new complaint filed if they contact me via phone since I've asked them not to.
05/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80504	Web
On X/XX/17 , I ente red into an agreement with Professional Finance Corporation att orneys in court to pay a debt in the amount of {$550.00} ( {$410.00} principle, {$55.00} interest and {$130.00} in court costs ). This agreement was approved by the presiding judge and agreement signed in court. This amount was paid in full through bank account deductions of {$100.00} eve ry two wee ks. On XXXX XXXX , I received a letter from the attorney that I had worked with on this stating the payment was made in full. The issue is that they did not stop taking out funds, but continued taking money out of my bank account after the full amount of {$550.00} was satisfied, and as of today they have taken a total of {$700.00} from my bank account, which is {$140.00} more than the court ordered amount, and this would appear to be illegal in nature.
08/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80249	Web
I had a collection on my report from XX/XX/XXXX from a collection company that was removed because they never sent me confirmation of the debt to even tell me what it was for. I just went to get a home loan and i see a collection for the exact same amount from another collection company only this time it has a date of last action of XX/XX/XXXX. Even if this debt was legitimate which i still have been unable to get any information on even with the new collection company the fact that they have changed the date of last action has severely affected my credit score to the point where i can not get a home loan since it is a new derogatory item that has cost me 50 credit points. I have tried disputing it with the bureaus and tried getting more information about it from the companies themselves but had no luck. Please help.
10/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73013	Web	Older American
XX/XX/XXXX I paid {$100.00} to XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX I received a collection notice from collection company in XXXX. I advised the company that the debt was paid provided a company receipt. Paid the date of service. In XXXX of XXXX, I was contact by second collections company on amount due supposedly due. ( {$100.00} ). I called the agent, and they said that my XXXX dollar payment was for something else. I advised that had not received any billing for additional charges since th4e date of service I sent them a copy of my receipt of payment. I Had my attorney to send a letter requesting proof of debt or debt clearance. No information was ever received. Contacting service provider directly to try and clear. Professional Finance Co XXXX XXXX XXXX XXXX., XXXX XXXX # XXXX XXXX, CO XXXX
05/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE XXXXX	Web
I received a notification on my credit report of a bill in collection from Professional Finance Company. I viewed the bill and knew it did not belong to me. I called the company and told them this was not my bill it was an error. I then made a dispute with XXXX to have it removed from my credit report on XX/XX/2022. I received a notice on XX/XX/2022 stating it would not be removed the company has satisfied proving it was my debt. I contacted the original creditors which is XXXX XXXX XXXX via phone they confirmed I do not have any outstanding debt. XXXX sent me a billing statement reflecting a XXXX balance. I also have electronic statements. stating a XXXX balance. This company is fraudulently reporting I have a debt of {$7900.00} from XXXX and XXXX is allowing them to report fraudulent information.
07/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 334XX	Web
I have submitted several disputes to this company about a medical bill that they have listed on my credit reports. I have insurance I have never been notified by the a hospital or this company that there was an outstanding balance! I only knew about this company by reviewing my credit reports! I submitted a dispute letter to the credit bureaus and the company never sent me any verification that these bills they are updating on my credit file belongs to me. I never had any contract or obligations with this company and they are reporting unverified incorrect information to the credit bureaus every month it was just updated on XX/XX/2020 This is really hurting my credit profile during a national pandemic and the company isnt supposed to placed unverified information on someones credit file.
02/22/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO 80525	Web
On XX/XX/2023 a stranger pulled up to my home and gave me paperwork from PROFESSIONAL FINANCE COMPANY INC. which at first glance seemed to be court documents for a civil action. Upon further investigation I discovered that the documents are actually Fake court documents ( please see footer of fake document with communication from debt collector ) constructed by PROFESSIONAL FINANCE COMPANY in an effort to deceive me into paying an alleged debt from XXXX XXXX of {$220.00} plus interest of {$39.00}. PROFESSIONAL FINANCE COMPANY INC is in direct violation of several statutes under FDCPA 15 USC 1692 ( c ) namely 805 communication in connection with debt collection. 806 harassment or abuse. and most importantly, 805 FALSE OR MISLEADING REPRESENTATIONS & 812 FURNISHING FALSE OR DECEPTIVE FORMS.
01/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 802XX	Web
I had 2 collection accounts at all 3 credit bureaus. According to Colorado XXXX XXXX XXXX XXXX I can not be billed for medicaid services. That means that I can not be placed for collection for this. XXXX and XXXX have alrdeady argeed that the collection accounts were unlawful and deleted them. XXXX XXXX deleted only debt of {$210.00}, but another one of {$150.00} is still there. The documents regarding this problem were sent to original creditor, collection agency and all 3 credit bureaus 2 month ago. I opened the dispute with XXXX XXXX 2 times. only one Item was deleted and they don't want do anything with the 2 second item. I never received ANY answer from collection agency. I sent them documents 2 times, last time they received it XX/XX/2018. ( usps conformation included )
11/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80550	Web
On XX/XX/2015 I walked In to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and a cheap fix being I was XXXX XXXX and had no Insusurance. I told the nurse at time of check In that I had no Insurance. She ask me some basic questions then walked out into the hall and ask the doctor If he had a moment to check me out. ( No charges were discussed for the up coming price gauging that was about to happen to me! The doctor rabbed soe type of a XXXX XXXX shoved it up my XXXX ( literally 10 seconds in each XXXX ) and walked away. I was then shown an XXXX and told I had all kinds of problems and handed me a bill for XXXX. I never consented to any charges and This amount of charges for 20 seconds with a XXXX XXXX are ridiculous! I want this removed from my credit history! PLEASE HELP!
03/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19977	Web
In XX/XX/XXXX, I noticed a collection on my credit report from Professional Finance Company ( PFC ). On XX/XX/XXXX, I sent a letter to the company to verify this debt. Their company received my letter on XX/XX/XXXX. They failed to respond to the letter of verification sent to them. After 45 days passed, I then proceeded to file a dispute with the Credit Bureaus specifically informing them that PFC did not respond to my request for verification. After disputing with the credit bureaus, PFC mailed me a bill with no explanation on how said bill belongs to me. On XX/XX/XXXX, I then mailed PFC again, to explain that the information provided was not accurate and the remove the inaccurate information from my credit report. To date, XX/XX/XXXX I have not heard back from.
08/31/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 310XX	Web
I have never received a right to dispute or a validation of debt. Furthermore, I have filed previous complaints alleging re-aging and inaccurate credit reporting. I am attaching a copy of my XXXX credit files, provided directly from the credit bureaus. These documents prove that the date of first delinquency and date of removal are all different. With correct reporting this would be impossible. The date of first delinquency is a firm unchanging date that must remain the same between bureaus as it is a record of fact, a singular point in time that the alleged debt became delinquent. The bureaus do not generate this information, it is provide by the collection agency. This inaccurate information is a violation of my consumer rights and a violation of the FCRA.
08/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
Name of Creditor : Professional Finance Company Address : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX : XXXX, CO XXXX Re : XXXX XXXX Amount : {$590.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
01/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76065	Web
I noticed on our credit report that a debt collection company reported four unpaid debts on XX/XX/XXXX. We had no idea what the debt was for and so called the debt collection company. We asked several times for them to send a paper bill to see what the charges were for but were denied.She said they only send one notice, which she said was sent in XX/XX/XXXX. We never received that notice. We asked several times on the phone what company the debt was for and she finally told us it was for a medical facility for x-rays. The debt collection company divided the bill into four charges of {$51.00} each, which meant four flags on our credit report. The company is : Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76105	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32304	Web
These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as Professional Finance Co. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector XXXX XXXX XXXX, The Original debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap
06/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76132	Web
Went to a XXXX shop for a XXXX test. Gave my insurance info and requested an upfront statement of charges. Based on this charge statement and my health insurance info ( I work XXXX so I understand the billing guidelines, etc. ) I paid the full amount I owed including meeting my deductible. Several weeks after service, I received a bill for an additional {$310.00}, which I disputed with the creditor. After no response from them, I have now been repeatedly contacted by a collection agency who has since included this collection on all XXXX of my credit reports, even following my report to them that they were attempting to collect a fraudulent debt. This is hurting my credit score and I have no recourse other than filing this complaint.
02/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80126	Web
Got call from XXXX XXXX on XX/XX/XXXX they said called from XXXX XXXX XXXX and just asked my date of birth with out disclosing why and for what they are calling so i had to hung the call. Later Received an letter on XX/XX/XXXX which was dated on XX/XX/XXXX mentioned that i Owe XXXX for XXXX XXXX XXXX XXXX So i Called them that i have paid in through my XXXX XXXX on XX/XX/XXXX payment # XXXX through check and requested them to dispute it and send an confirmation mail that it is disputed and they are checking with Medical provider But the person in the phone was rude and mentioned that they would check with medical company but could not sent any letter or confirmation mail that it has been disputed and just disconnected the call ..
02/14/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33881	Web
The charge of ( {$5600.00} ) needs to be paid through my medical insurance. I contacted Professional Finance ( XXXX ) about the charge. I was told to contact the original creditor. I contacted XXXX XXXX XXXX XXXX they told me to contact the debt collector. I called back and was told it was it would remain in collection. I asked for the account # XXXX & date of service XX/XX/2018. I contacted my insurance about the incorrect charge on my credit. The charge was initially removed and the financial company placed it back and said it would continue being placed back on and ruining my credit until I pay the full amount and interest would continue to grow and each interest would and is going to drop my credit score.
09/13/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 328XX	Web	Servicemember
XXXX XXXX XXXX have been contacting me about a past due debt. A representative contacted me in XX/XX/2023 requesting the debt to be paid, I told them I did not know what this debt was for and requested a debt validation letter. The rep gave me the web address to the pay screen where there was no contact information on it. When I continued to question the rep about the debt in question and a signed contract, she stated that they do not have that and that they are not the holders of the debt. I stated that I was not comfortable giving an unknown company my money when they can not provide information on what the debt was for and the fact that she stated that they do not own the debt. This appears to be a scam.
04/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28173	Web
I received a debt collection letter from Professional Finance Company , Inc. for a total amount of {$250.00} pertaining to medical charges they indicated were from XX/XX/XXXX. The original charge was indicated as being from XXXX XXXXXXXX XXXX XXXX My wife and I have made multiple attempts over the course of the past year to obtain a mailed copy of an itemized bill from XXXX XXXX as required by my XXXX XXXX prior to submitting any payment. On the most recent contact ( XX/XX/XXXX @ approx XXXX XXXX XXXX via telephone at XXXX ) to XXXX, I was advised that an itemized copy of the bill could not be provided and then hung up on by the representative to " assist other customers that she can actually help ''.
04/21/2017	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	WY 82009	Web
My husband and son, who have same name, both had procedures done about the same time at a XXXX center in XXXX XXXX , Co. I was making payments to them and believed I had made last payment just before received a notice from PFC in XXXX . I thought they cro ssed in the mail. For four y ears did not hear a thing, then received a collection notice with an extra {$100.00} dollars attached to it. Yes we did owe the original bill, but I believe this to be an under handed tactic to attach more money to the bill to wait four years to attempt to make contact. Our address and contact information never changed. Maybe barely within the law, but very shady. Should not be allowed to do business this way.
04/19/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 80111	Web
My father whom I dont speak to nor want him to have any of my personal information has received about XXXX phone calls in the month of XXXX and XX/XX/2022 and his employer has also received phone calls regarding a debt that I owe, that I am not aware of at all. They have now sent my father a bill of collections under his name with his address and all the fees owed. My father has tried to let them know on multiple occasions thats he does not owe that money and they then gave him very detailed XXXX information about me. They are now threatening to take him to court and put this under his credit score. The companys name is Professional Finance Company Inc, he received the letter on XX/XX/2022 XXXX
08/14/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33990	Web
I had my son on XX/XX/2020. This medical collection was reported to my credit report on XX/XX/2020, which was 151 days. The law required at the time that medical collections can't be reported until 180 days after the procedure date. I had insurance that should have taken care of this bill, but this company prayed on my naivety and lack of knowledge of the law. I have paid this company {$430.00} which I should not have been responsible for. I have disputed this account MULTIPLE times with all 3 credit bureaus and only one has removed this account and the other 2 are claiming they are in compliance. This collection agency has taken advantage of me, and credit bureaus are aiding them as well.
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80207	Web
On XX/XX/XXXX I sent Professional finance a letter to validate 2 accounts they placed on my credit file. on XX/XX/XXXX Professional finance proceeded to send me a simple printout. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. They also did NOT provide me with a signed authorization to release my medical records. They have now violated HIPAA and FDCPA and FCRA laws. On XXXX I sent a failure to validate and hipaa violation letter and to cease and desist all collections. They have not responded nor have they removed this account from my reports. Ive included all correspondence as well as a copy of my credit reports
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77385	Web
I have reached out to the following account below and talked to them about the issue with my account as reported by the PROFESSIONAL FINANCE C. They have advised me that they will remove this on my credit report and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the PROFESSIONAL FINANCE C came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report wherein this account has been paid already. I have included in this complaint FTC report with the report number XXXX for your reference.
03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO XXXXX	Web
XX/XX/XXXX I submitted a validation letter including HIPAA authorization. XX/XX/XXXX I received a response from Professional finance stating they included complete billing statements, including payments. ( which they did not include any billing statements ) They FAILED to provide HIPAA Release form signed by me. They are in direct violation of 15 USC 1692 ( g ) Section 809 ( b ) Failing to validate a debt as allowed to the debtor and they violated My rights under HIPAA, as I never signed a HIPAA release form. I sent a follow up letter in XX/XX/XXXX, and Ive received no response and the accounts are still reporting on my credit bureau. Ive attached all supporting documentation
04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75248	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
12/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	RI 028XX	Web
Professional finance company of XXXX XXXX failed to receive insurance payment for my labs done in XXXX and XXXX. These labs were not paid for and then were continued to be sent to collections and affecting my credit score drastically while I was covered by insurance and was not responsible for paying the medical costs due to the fact I was covered by insurance for both labs. I have disputed and my dispute was deemed accurate but my credit score has not changed and the labs are still presented on my credit history. I have also contacted my doctors office several times who have also reached out to the company and insurance to fix the issue. Nothing has changed.
07/03/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
I have been making payments to this collection agency since XXXX for a XXXX XXXX. The balance for 2 service dates was originally {$2200.00}. I have made payments in the amount of {$510.00}. My balance should be {$1700.00}. I confirmed this with the original creditor ( XXXX XXXX ). I spoke with XXXX XXXX from XXXX and confirmed the balance they show is {$1800.00}. XXXX confirmed that the collection agency is charging me interest on this medical bill. I was never notified of this being in place by either the collection agency or XXXX. I spoke with PFC on XX/XX/XXXX and they were unable to provide any proof that this notification was ever presented to me.
11/30/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web
As a protected consumer in the U.S. I have protected rights under the FCRA. This company has violated my Consumer rights by : 1. violating my right to privacy 2. This debt buyer did not have permissible purpose to obtain a consumer report. 3. As a protected Consumer I am entitled to know how your credit information is reported, handled and used by a credit bureau. The Credit bureaus did not let me you know how my credit information was being used so they have violated the FCRA by reporting this information. 4. The credit bureaus were notified of my dispute of this past due collection account but, has failed to correct the information within 30-days.
01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43230	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
01/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 334XX	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77021	Web
XXXX XXXX XXXX reporting medical bill due. I did not owe XXXX. I have medical insurance for mental health treatment with them. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance. Their doctors have dropped me from care on several occasions without proper notice leaving me without proper mental health care and medication.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80015	Web
PROFESSIONAL FINANCE is reporting an account on my credit so I sent them a validation request in XXXX XXXX they responded in XXXX with a simple statement and a refusal to verify any other request items. They did not send an original invoice, they did not send me a medical release waiver form signed by me, the amounts are different from what the statement reflects without sending me an authorization to collect any added interest or fees. I then send them a follow-up stating they failed to validate and to remove this ad they still have not removed it. Ive included all correspondence as well as copy of credit report.
09/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78251	Web
XX/XX/2020 XXXX XXXX I received a call from XXXX. The lady calling asked to speak with " XXXX '', but she asked in a form of a question, like just expecting for me to answer " yes '' ( sounded like she just wanted me to say " yes '' like a scam ). I didn't say " yes '' but I did let her know I was XXXX and asked her let me know what the collection was about. She would not say, but she still wanted me to say " yes ''. Her question and wording sounded tricky really insisting that I said " yes ''. I do not have any pending debt collectors so this is probably a scam. I told her not to call again and she just said ok.
10/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32566	Web	Servicemember
Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal.
11/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80631	Web
On XX/XX/2021 at XXXX mountain time i received a call, that i requested, from professional finance company XXXX a ANd i asked for proof of the debt and everything, the lady, which she said our conversation was being recorded, told me she did not have proof and so i was given instructions to request proof so they could request proof from the company. If this is so, how did my dispute get denied twice due to the company providing proof? They have not had proof ao i need this removed from my credit report. Reference number XXXX with professional finance company and XXXX XXXX XXXX, please.
10/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NM 87111	Web	Older American
XXXX XXXX XXXX asked me to leave and would not be renewing my lease. It was just before XX/XX/XXXX. They refused to give me a reason but stated they would evict me if I stayed. I was packed and out before the end of the month. I got an apartment after I left without any problem. XXXX XXXXtold me they filed the Previous Balance report on XX/XX/XXXX. XXXX told me I owed them for XXXX and XXXX, a balance of {$600.00}. XXXX also told me they mailed the notice to the apartment they a had asked me to vacate. I didn't get any notice about money owned until today after I had found housing.
01/09/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO 80126	Web
I was served on XXXX XXXX under deceptive and adusive tactics. I filed a counterclaim with the court and fought very hard to get to mediation however my counterclaim was dismissed before ever getting to argue my complaint. I believe I have a right to know either the name of the server or the company they work for. The plantiff directed me to the Register of Actions with the Court however that info was missing. I have been under extreme mental stress from this bankruptcy and have recently started new medication for XXXX specifically because of my financial situation. Case number XXXX
01/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ME 043XX	Web	Servicemember
I am challenging the accuracy and integrity of the account type information contained on this report furnished by Maine XXXX XXXX XXXX. The account was reported during a global pandemic when there was an executive order not to report derogatory information to the agencies. I am a veteran and the information being reported includes information that is affecting my creditworthiness. The information in the furnisher 's possession about the account is misleading in evaluating my ( the ) consumer 's creditworthiness, credit standing, credit capacity, character, general reputation.
09/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80231	Web
I received an alert from all three credit bureaus which are XXXX, XXXX XXXX XXXX stating that I owe a debt to PROFESSIONAL FINANCE COMPANY which is false information. I have no knowledge of this debt and tried to contact this company ( PROFESSIONAL FINANCE COMPANY ) by phone ( XXXX ) XXXX and have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that I owe this debt and if they can't I need it to be removed from my credit immediately. I pride myself on paying my bills on time. This is hurting my credit.
10/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NE 681XX	Web
In complaint XXXX I have requested proof of the information they are reporting and all that has been offered is a narrative of the account. According to the company the account was " paid in full ''. I do not have recollection of the original debt, the amount of the original debt, the time in which the original debt was acquired, or " paid ''. The company has failed to provide the requested proof of debt but has continued to report the information to the credit bureaus. Simply narrating that a payment was made does not prove they are reporting the information correctly.
08/30/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 310XX	Web
Professional Finance Company is attempting to collect debts for XXXX and XXXX. I have never received validation of this debt, nor any proof that this debt is actually owed and I am responsible. Furthermore, for it even be possible for this debt to be mine, PFC would have engaged in re-aging. Re-aging is a violation of my consumer rights and the FCRA. Collection companies participate in this act to maximize their collection time. Failure to validate this debt is also a violation of my consumer rights. PFC can be held liable with fines for such activities.
12/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 500XX	Web
I have a dental debt that have been referred over to Professional Finance Company Inc. - I have filed a complaint to dispute the debt with the Iowa XXXX XXXX and they can take up to six months to complete the investigation. The collections agency said the will be reporting to credit agencies in XXXX which doesn't give enough time to resolve the dispute. I do not want to affect my credit but also do not want to pay and that would be acknowledging the debt. The account number is XXXX. How do I make sure this doesn't get reported to credit score agencies?
07/15/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CO 80538	Web
Professional Finance Company calls my home and cel phone on a regular basis. They have XXXX accounts for me regarding medical bills that never should have been submitted to them in the first place. They will not provide a billing statement regarding these debts. I 've asked multiple times for them to send me a statement and they said they do not do that. They want a credit card on file so they can charge it on a monthly basis. I want a billing statement, I 've asked repeatedly, and they refuse to provide one. Until they do, I will not pay them a penny.
03/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 186XX	Web
PROFESSIONAL FINANCE C Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. i have no clue what the XXXX this is i know i didnt make this i dont care what the comapny states they have to prove its really me not anyone can use my info online anymore i pay with cash this dont tell me what is is im supose o owe im not paying for this when i didnt make this no letters came in the mail saying i did nothing at all
05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	HI 96792	Web
I contacted XXXX about a collection account on my credit report. I had no knowledge of this account and have never used XXXX. I have never lived at the service address on file with XXXX. I have never used XXXX and have never set up an account with them. I asked them to provide any documentation verifying I was the one who set up the account and they could not because I was not the one who set this account up. They have no lease, no picture ID, no signature, and did not have my permission to set up an account in my name.
12/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80012	Web
I have 5 different amounts that are affecting my credit with amounts of {$210.00}, {$140.00}, {$480.00}, {$410.00}, {$270.00}, dated XX/XX/XXXX and another on XX/XX/XXXX with the amount of {$240.00}, and I called the collection number that is from from the XXXX XXXX XXXX XXXX XXXX, to obtain more information and they tell me that I do not have those amounts in collection, what should I do in this case? If they tell me that those dates are not there, let alone those amounts, but it continues to hurt my credit.
02/11/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60302	Web
Professional Finance currently has a collection on my credit report for an ambulance bill in the amount of {$3000.00}. I have reached out to Professional Finance XXXX times and advised them that XXXX XXXX is submitting the bill to my insurance and has stated that the collection should be removed. Professional Finance has refused to remove the collection. They have also refused to contact XXXX XXXX. I have disputed the information but Professional Finance refuses to follow the law and remove the collection.
07/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	OK 73160	Web
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
03/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80234	Web	Servicemember
I had XXXX in XX/XX/XXXX and my deductible was XXXX and my total out of pocket was XXXX. When I checked into the hospital I owed exactly XXXX. We charged the remainder of my total out of pocket to our credit card and I had no more out of pocket expenses for XX/XX/XXXX. I then received a bill for XXXX from the in-network surgeon. I explained to them that any money due to them was paid by my insurance company. I have reported this to the collection agency and it is still being reported on my credit report.
05/10/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CO 80233	Web
I have tried calling the collection agency to resolve my financial issue, because I am hard of hearing and they wo n't communicate with me on speaker phone. So then I ask if they could communicate with me via email and they refuse. They told me to got get a different phone. First of all I do not owe the debt it was paid by XXXX XXXX. I tried contacting them and they said the the XXXX Doctor has to talk to them directly. The doctors office refuses to do this. Do n't I have the right to resolve my issue?
01/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web	Servicemember
On XX/XX/2022, I emailed Professional Finance Company a receipt from the provider Preferred Imaging showing I have a XXXX balance. Then I called Professional Finance Company to verify the email was received, which they confirmed. I disputed the account with all three credit reporting agencys, and Professional Finance is still reporting that I have a balance. I called today and was told the date of service doesnt match the date XXXX XXXX is reporting to them. I only visit XXXX XXXX once on XX/XX/2022.
12/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 735XX	Web
The company did not take the steps to contact me regarding the balance of this medical bill debt, which I believe was paid for around the year XXXX or XXXX and has not shown up on my credit since it was paid for. The 3rd part debt collector has went to court without serving me the legal information for me to also be present in the court of law. The medical bill was from a XXXX XXXX XXXX XXXX and my bank account has been garnished 8 years later after the debt has been removed from my credit.
09/27/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CO 80220	Web
I live on social security disibility cant afford to pay this the state of colorado medicaid pays my medical and the creditors knew of this so i dont believe that these should be on my credit to destroy it more i am trying to rebuild it and the collection agencies want to destroy it now bill the state of colorado on this if they dont pay then give me a settlement offer of XXXX and i will pay this amount if medicaid dont then the bad marks will dissapear from my report or show paid thanks XXXX.
10/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32583	Web	Servicemember
This debt does not belong to me it belongs to my brother who has the same last name and same date of birth as well as close to the same Social Security number but one digit different. I want this account removed from all credit bureaus to include XXXX, XXXX XXXX, and XXXX immediately. I also have received numerous harassing messages in the past related to this debt. I am seeking legal help and in the process of hiring attorney to sue for damages if this account is not resolved immediately.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 367XX	Web
Back in 2016 my identity was stolen and I have done several reports And complaints to the companies that are fraudulently reporting on my credit. Please have these items removed from my credit, it has been hindering me from being able to start a new job and buy a home. I have also filed a report with the FTC identity theft website Due to the fact that these bills does not belong to me. Please remove the following fraudulent accounts : Professional Finance CO {$270.00} XXXX XXXX {$1700.00}
04/05/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OK 74133	Web
On XX/XX/XXXX a claim to collect a debt was filed in XXXX XXXX for {$970.00} from Professional Finance that has been disputed with XXXX XXXX whom I have hired to help clean up my credit and dispute claims like such. The above company failed to Notify me that this claim is out for collection although it's been disputed as well as work out any possible payment options. On XX/XX/XXXX, the original dispute was ongoing because the collectors are refusing to provide service of good pricing.
11/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76065	Web
PROFESSIONAL FINANCE C has reported an account on my consumer credit report in the amount of {$530.00}. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor, this company is furnishing unauthorized and inaccurate information on my credit report and that would be resulting in identity theft.
02/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75160	Web
On or about XXXX I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization ). On XXXX I received a letter from the creditor stating that the account would be removed from my credit accounts. As of this statement the account was removed from XXXX credit bureau but remained on XXXX others- XXXX and XXXX XXXX I will attach the correspondence from creditor showing they agree to remove this account from all credit bureaus.
04/21/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CO 80602	Web
As today, I got the mail by Professional Finance company , Inc Reference # : XXXX Total amount : {$16.00} which is my own a debt to XXXX XXXX XXXX XXXX with an account number of XXXX That was my on job injured. My company which is XXXX XXXX should be paid all of them. In this case, my company should be cover all my payment about this injured, and XXXX XXXX XXXX should be contact my company to fixed it. Thank you. My Email address : XXXX Phone number : XXXX XXXX XXXX
02/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80237	Web
Professional Finance Co. has filed three collections accounts ( {$2400.00}, {$1800.00}, and {$1600.00} ) to the major credit bureaus against me. However, they have not contacted me in any way either by phone or mail. I attempted to contact them, but they have provided no verification of these alleged debts. They credit bureau filings occurred in XX/XX/2018. They have had plenty of time to provide verification of these alleged debts and continue to fail to do so.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 334XX	Web
I have sent a letter of method of verification to the collection agency Professional Finance Company for reporting inaccurate information on my credit reports. They have failed to comply with my request. Professional Finance Company Acct # XXXX 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.
01/04/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	OK 73159	Web
Okay I applied for a credit card from XXXX and was denied for too many discrepancies so I looked on my credit report and noticed there was 6 loans in collections on there from a loan place in XXXX that I never applied for. Here 's the amounts with case number ( what the credit report shows ) : $ XXXX... $ XXXX... $ XXXX... $ XXXX... $ XXXX... $ XXXX... None of these that are on my report are any of which I applied for, I've never even been to XXXX
09/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80104	Web	Servicemember
I was served with a Summons to Answer in the third week of XXXX, with no prior notice. 15 U.S. Code 1692g indicates that they must send an initial g letter, and allow up to 30 days for me to respond. I have no information about this debt. I attempted to obtain information from the original creditor, as claimed, by the collections agency, but stalled, delayed, and given the run-a-round, with no information about this debt has been provided.
09/28/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60543	Web	Older American
Professional Finance Company is the 4th collection agency attempting to collect this debt. Please find attached documents showing that the 3 previous collection agencies had my credit files showing that my files were deleted. The debt was never verified. I am a little concerned because two of the companies have similar names, Professional Finance and XXXX XXXX XXXX XXXX. See attached documents showing that they all had been deleted. .
11/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 410XX	Web
Professional finance.com keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
03/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 630XX	Web
Professional Finance Co tried to collect {$220.00} on behalf of XXXX XXXX XXXX and this was opened in XXXX. I went through chapter XXXX bankruptcy and it was included in this bankruptcy, which was discharged XX/XX/XXXX. I disputed through XXXX XXXX with the company and it was proven to be discharged and meeting FCRA requirements for discharge, yet they submitted another hit on my credit after it was already successfully disputed.
02/21/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 27320	Web
None of these options is what I need. I want to know why there are late payment remarks from professional finance after being on my report for nearly a year. Also after they were said to be charged off. This is the first time this has happened with these medical debts.. causing my payment history to go from XXXX percent to XXXX. Iv been build credit and up to this point it increases. Will they put more of the marks on updates??
11/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29414	Web	Servicemember
XXXX procedures were paid upon receiving the work. Both instances, the office manager presented me with a bill before the procedure and I signed and agree to pay the same day. The statements sent by the collection show my payments, but it also shows other charges I never agreed on. Also, the dates are incorrect and after paying both bills in person the same day of dental work, never returned to the clinic for any other work.
01/23/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK XXXXX	Web
In XXXX, I mailed a letter to validate XXXX collection accounts that are being reported to the credit bureaus. The accounts were opened with Professional Finance Company ( PFC USA ). Account XXXX showing a balance of XXXX and opened : XX/XX/21. Account XXXX is showing a balance XXXX} and was opened XX/XX/21. XXXX XXXX failed to respond to my validation letter. The uploaded attachment is the letter that was mailed
12/07/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 814XX	Web
Professional Finance Company or PFC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Put a negative report on my credit report. We have tried to contact them with no response we also sent via XXXX with a signature required letter they did sign for the letter but refuse to respond to us. Don't understand why they are in this business if they can't respond after placing a negative report on my credit.
10/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 325XX	Web
Professional Finance Company has placed inaccurate information of a debt of {$340.00} on all three credit bureaus. I've requested documents that were used to verify the accounts as being accurate. I've requested Validation and have received a bill. No signatures, no contracts, just a bill that I have enclosed in this complaint. I do not owe Professional Finance Company any money for any debt.
02/02/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 805XX	Web
I was billed by XXXX XXXX of Colorado through a finance collection agency call Professional Finance. I've never received a bill from XXXX XXXX and this was put on my credit report and for collections for two instances of {$170.00} each. This is a clear XXXX violation and I will take action against both of these companies for reporting XXXX information to a third party without my permission.
12/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80233	Web
Professional finance has on multiple occasions inundated my personal phone with harassing phone calls in an attempt to collect, so much so that I have had to change my number multiple times to get it to stop. XX/XX/XXXX-143 calls for two different collections balancesXX/XX/XXXX-87 calls for two different collections balancesXX/XX/XXXX- <25 calls for two different collections balances
08/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21113	Web
Professional Finance Company , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} The company did not send the collection to the actual address on file but instead seemed to have performed a search based on the name and sent the bill to me. This company does not perform its due diligence.
01/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80134	Web
Received letter for not paying medical bill that was already enrolled for monthly payment on XX/XX/XXXX, the installments were completed by XX/XX/XXXX. We did talk with the hospital and got confirmation that there was no balances and informs the same to the customer care representative. The debt collector reported derogatory on XX/XX/XXXX and XX/XX/XXXX for the paid amount.
07/30/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33458	Web
I have contacted XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX states I have a zero balance. XXXX has a record of payment Not In Collections!!!! These dates and agencies Do Not Make Sense. Perhaps they have me confused with someone else. I do not owe XXXX XXXX any debt! They state my address is un-deliverable and I have been at that same address on file for 3 years.
10/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 780XX	Web
I have to collection account thru Professional Collections Services located in XXXX, co. I contacted the medical providers and paid the debits and they never released the collection status. I have subsequently paid the same debts twice both documented on my HSA account and they will not remove the collection status from my credit report nor refund the over payments.
06/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73008	Web
I paid Professional Finance Company in full on XX/XX/2018. The amount was {$280.00}. They are still reporting this as an active open account. They are still reporting this as a debt. I have contacted them twice about this. They said they would fix this. They have not. Professional Finance Company , Inc . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
03/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31904	Web
At the time of this amount was being owed. It was the responsibility of another person the bill was just in my name. The reason they did not pay was because they moved out of the place they were in. I did not know that this debt was on my account and I tried multiple times to dispute it. The amount owed is XXXX . And it has been on my account since 2014.
03/08/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91601	Web
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
05/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OR 97068	Web
Bankruptcy, XXXX XXXX, was filed in XX/XX/XXXX and discharged. A collection agency ; Professional Finance Company , Inc. sent me a collection letter dated XX/XX/XXXX, pertaining to medical debts prior to the bankruptcy. The bankruptcy is public record, the collection agency should have vetted the account prior to sending out a demand for payment.
09/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80104	Web
I had medical issues that I had to be addressed by a doctor. However bill was not billed correctly. I have been on XXXX for 3 years and have papers to prove this alone with medical cards from XXXX county. Professional finance XXXX XXXX. My medical card from XXXX date XX/XX/2014 department of health care number is XXXX also issued from XXXX county.
06/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33755	Web
( PROFESSIONAL FINANCE C ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, COXXXX ) has been sending me collection notices in the amount of ( {$180.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
This company has not provided any information to me relating to the debt, I don't believe this is my debt I've already filed a dispute with all 3 reporting agencies, this debt does not belong to me I'm in no contract or debt with these companies and they are reporting it even after I have disputedit ... ..pleaseremove from my credit
07/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 805XX	Web
Professional Finance Company XXXXXXXX XXXX XXXXXXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX. {$1600.00}. {$180.00} and {$180.00}. This is not my account. I asked them several times to provide a signed contract or show proof I own the property in question. They declined. I gave them 30 days afforded under the Fair Credit Reporting Act.
06/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 802XX	Web
I am on the Do Not Call registry. This number called me and gave me an account # XXXX for a debt of $ XXXX for XXXX . They tried to verify more personal information from me. I only gave name and DOB. I do not owe any medical debt that I am not already paying off from a number of years ago. This is not anything I have a debt for.
09/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80229	Web	Servicemember
I have tried repeatedly to have these medical Bill 's removed from my credit. Multiple times I've been contacted and threatened to have my credit damage unless I paid the Bill 's. I am a XXXX veteran and Medicaid paid the Bill 's. Also the va made a payment but they still refuse to remove the medical Bill 's from my credit.
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80229	Web
I had a medical bill recently go to collections. I agreed to pay the debt on my next pay day and I just found out that they are flagging my credit report weekly and harassing me which is illegal. The company is called Professional Finance in XXXX, CO and I have a screen shot from my credit report showing the weekly flagging.
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80229	Web
I am trying to buy a house and found accounts with Professional Finance company on my credit report. I do not believe the accounts are accurate but I paid them because Professional Finance company agreed to delete account after payment. It is account # XXXX Accounts are still listed on my credit report and are inaccurate
03/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 199XX	Web
I have disputed this account with the credit bureaus and PROFESSIONAL FINANCE COMPANY, and I have never received a single letter from them. This is a violation of the FDCPA and FCRA. I HAVE RIGHTS. I do not know who they are or why they are on my credit and they are required BY LAW to send me written notification of debt.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76028	Web
This company is reporting inaccuracies on my credit report but hadnt been about to price the debt. The services were not provided. I have also reached out to the original creditor without response. The amount and name is incorrect. I have had several instances of fraud its even listed on my credit bureau reports.
02/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 66102	Web
I noticed on my credit reports that there was a debt for XXXX XXXX in the amount of {$390.00}. I have since taken care of that debt in order to retrieve new service. I am requesting that this debt be removed from my credit report. I also have not had any correspondence stating that this debt was in collections.
03/30/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60411	Web
They too are contacting my grandmother constantly and Wont stop. She tells them I dont live there and they still wake this elder XXXX old woman up every morning. Its been almost XXXX. Can you please help me in stopping them and removing this from my report. Its getting crazy how many times a day they call
07/10/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 801XX	Web	Servicemember
At approximately XXXX on XX/XX/23 I spoke via chat with XXXX XXXX of Professional Finance Company with reference to account # XXXX. I informed her that the amount was incorrect. She informed me that it will be marked as disputed but will be reported to the credit bureaus. I do not owe the stated amount.
04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 394XX	Web
I no my rights by law XXXX is putting all types of things on my credit. I have been researching the law and requirements also. If I need to hire a company to fix my credit I will do so. I have 9 inquiries from XXXX that isnt legal. Things on my credit and derogatory remarks that shouldnt be on there
11/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80229	Web
I received a letter dated XX/XX/21 on XX/XX/21. This is part of a workman 's comp which was taken care of. Professional Finance Company called me on the day I received the letter and on XX/XX/21. I did not have time yet to send a dispute letter. They are suppose to give me 30 days under the FDCPA.
04/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 802XX	Web
I paid the balance that was due and given to me then a month later they sent me a bill for another XXXX dollars. I will not pay it because it was arbitrarily charged for services not performed. I paid for what was done. The Collection company is listed on my report as Professional Finance XXXX
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 362XX	Web
Failure to comply on XXXX and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$1000.00} 2. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$250.00}
08/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80634	Web
Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them.
08/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32750	Web
I have called and emailed Professional Finance letting them know for months now I have been paying XXXX XXXX XXXX of Florida regularly not paying late since I got my bill & I have spoken with the company they said they were reporting to the company I was paying and I have receipts.
02/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20906	Web
I have been contacted by Professional Finance Company Inc I was at the hospital on XXXX XX/XX/2021. I have a letter from XXXX XXXX XXXX wit the approval of finance assistance. I submit this documents to them few months ago and I keep receiving mails from them to get the payment.
09/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80229	Web	Servicemember
I have repeatedly stated that I was on XXXX. Not XXXX, both the medical Bill 's are paid. Plus, this collection agency is in violation of HIPAA rights. They cant provide me with my original bills I want these petty medical Bill 's removed permanently from all three credit bureaus.
10/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80022	Web
I have insurance and the hospital did not submit my insurance information to cover the costs for this bill. I've called the hospital multiple times to have them add my insurance to the bill. They failed to submit any of my information and now my bill has been sent to collections.
03/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75214	Web
XX/XX/2020 to current. I have been requesting from Professional Finance for validation of debt and to cease and desist all attempts to collect this alleged debt until it has been validated. The companies has failed to comply to the request and have violated my consumer rights.
12/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80602	Web
I am being charged for a medical bill that i had medicaid for. I have a collection on my report that should have been paid for by medicaid. I have attempted to get the collection deleted from my credit report but had no success and the company in question will not help either.
09/19/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 75010	Web
This company called PROFESSIONAL FINANCE CO is filing on my credit report even though I pay them every month. When I checked my credit report on XXXX XXXX, 2015 I noticed that they were reporting the incorrect balance and have n't even sent any type of bill or notices to me.
04/26/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO XXXXX	Web	Servicemember
Was served with a " summons to answer '' and " complaint under simplified civil procedure '' that does not contain a clerks signature or a case number, has post office address as XXXX XXXX XXXX XXXX . I have not ever heard of the plantiff, no form of prior contact.
02/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web
I had my annual health exam which BY LAWis covered 100 %. XXXX XXXX XXXX made a mistake encoding the XXXX test. This ended up to a 3rd party XXXX XXXX. Which in turn sent it to Professional Finance Company which refuses to confirm or correct or verify the debt.
05/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80222	Web
I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results.
10/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 761XX	Web
I have sent written requestfor verification of said debt to this Professional Finance Company over 60 days ago and received no reponse. I sent my letter certified with a return receipt. They have received my letter but refused to respond to my request.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 199XX	Web
Please see my previous case with consumerFinance.gov : XXXX. Professional Finance Company stated they would removed their derogatory credit report from my credit reports. It has been 6 weeks and my credit reports have not been corrected.
10/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
A collection has been reported on my credit report by XXXX. Despite my repeat dispute, they did not verify the address was not mine. As far as I know, I have never lived at the address or used the phone number listed in that account.
08/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76006	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	KY 40741	Web
Its worth XXXX XXXX XXXX I called them they said they dont have an account with my name I keep disputing it but you guys keep leaving it on there its called XXXX XXXX XXXX my name is XXXX XXXX XXXX second please take it off
11/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73071	Web
A contact of the debt collection company They disclosed what procedure was done at the doctor 's office which is invite direct violation of hipaa And they did not notify me of the debt or give me time to dispute the debt
01/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80247	Web
Professional Finance Company called me and would not verify anything regarding their call. I do not know who these crooks are or what amount they believe I owe. I have received no information via mail nor telephone.
10/18/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 482XX	Web
I agreed to pay Professional Finance Company {$140.00} and they took {$210.00} from me - so they stole {$66.00} from my checking account. Our agreement was for them to take {$140.00} and they over withdrew.
09/03/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 974XX	Web
I originally felt that I had to pay this, but have since been informed that medical debt is n't supposed to go to collections. Plus it 's been 6 years and it 's still effecting my credit score negatively.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28212	Web
15 usc privacy 1681 602 state i have a right to privacy. Also 15 usc 1681 604 it also state a consumer reporting agenay can not furnish a account without my written statement .professional finan XXXX
03/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75150	Web	Older American
A medical bill in the amount of {$110.00} was reported to the credit bureau before notifying me. After I paid it in full with interest charges and it is still on my credit report.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83301	Web
Collection agency reporting to my XXXX report : Professional Finance Co reported om XX/XX/2022 the amount of {$140.00} This is a fraudulent account reporting to my XXXX report
12/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80601	Web
PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM.
06/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 814XX	Web
On XX/XX/XXXX, {$180.00} debt collection was placed on my XXXX credit report. I have not received written or phone notification that a debt was issued for me to dispute.
09/20/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75028	Web	Servicemember
In have written this company once in regards to listing the accused debt several times as a collection. And needs to be removed, its causing my credit score to decrease.
10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32701	Web
This debt has been paid in full to the original creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Idaho XXXX ) and should be removed from my credit report.
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32828	Web
XXXX have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.
11/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31525	Web
The company Professional Finance can't provide me the original agreement or do they have my social security number to provide to credit bureau.
10/04/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NV 897XX	Web
Have no idea what this debt is and was never notified of any debt or collections..my credit was at XXXX XXXX weeks ago. Please help if possible
03/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 354XX	Web
Prof Fin Co XXXX XXXX ) Put me into collections for XXXX in XXXX of XXXX and I have never received one letter. I have no clue who I owe
02/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
This company is in clear violation of FCRA and HIPAA Regulations. I have sent the a certified notarized letter about these concerns.
11/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 762XX	Web	Servicemember
They put a delinquency on my credit for {$1200.00} from Proffessional Finance Co. that was NOT me! Its costing me buying my home
09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66104	Web
this company is violating the fair credit reporting act by listing a fraudulent account that is not mine on my report
09/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89183	Web
This debt was already paid off, I reached out to the company multiple times and can not reach anyone. Account # XXXX
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28269	Web
XXXXXXXX XXXX XXXX XXXX ( I provide them with my insurance information and insurance was never billed )
09/12/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89406	Web
The debt collector has been charging interest on my medical collection since the beginning around 2016.
01/20/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32308	Web	Servicemember
Someone uses my information to fraudulently open a utilities account I have never live in Louisiana
01/28/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30008	Web
Medical bill needs to be removed from credit. It was paid for through Georgia XXXX.
01/25/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NM 875XX	Web
Professional Finance Co. is in violation of my federally protected consumer rights.
05/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web	Servicemember
Professional Finance Co. fraudulently placed a collection on my credit reports.
04/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 73119	Web
I was not aware that I could dispute the validity of this debt.
06/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73012	Web
I have never been to this medical provider period.
01/24/2024	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	IL 62615	Web	Older American

01/12/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32835	Web

12/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 27557	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 334XX	Web

12/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 81621	Web

11/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 81520	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30088	Web

11/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32304	Web

10/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02072	Web

10/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 74073	Web

09/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 64477	Phone

08/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89113	Web

08/16/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	FL 32836	Web

08/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web

07/31/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19118	Web

07/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 01001	Phone	Older American, Servicemember

07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80238	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33068	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34786	Web

03/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

03/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28677	Web

03/19/2023	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	CO 80012	Web

03/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89144	Web

03/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76123	Web

02/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32207	Web

02/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32225	Web

02/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32792	Web

02/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28677	Web

02/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80138	Web	Servicemember

02/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28214	Web

02/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80528	Web	Servicemember

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80239	Web

02/09/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28056	Web

02/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80138	Web	Servicemember

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76082	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 81039	Phone

01/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32803	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60660	Web

01/19/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19320	Web

01/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60661	Web

01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28269	Web

01/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80013	Web

01/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60622	Web

12/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	DC 20002	Web

12/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80501	Web

12/22/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80204	Web

12/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73034	Web

12/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75062	Web

12/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web

12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33440	Web

11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19904	Web

11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73095	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33440	Web

10/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73505	Web

10/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93065	Web

10/04/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80233	Web

09/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77345	Web

09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33016	Web

08/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04043	Web

08/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	RI 02861	Phone	Older American

08/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80918	Web

08/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85085	Web

08/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85383	Web	Servicemember

07/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NH 03458	Web

07/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28262	Web

07/09/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 39750	Web

06/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80023	Web

06/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28273	Web	Servicemember

06/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32205	Web

06/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80128	Phone

06/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75219	Web

06/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39750	Web

06/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32835	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77479	Web

04/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33440	Phone

04/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75230	Web

03/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web	Servicemember

03/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97123	Web

03/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28025	Web

03/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80104	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75071	Web

03/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28273	Web	Servicemember

02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web

02/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web	Servicemember

02/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19428	Web

02/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76244	Web

01/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OR 97123	Web

01/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80206	Web

01/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73099	Web

01/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73071	Web

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76155	Web

12/29/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NM 87507	Web

12/22/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30303	Web

12/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80305	Web

12/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76016	Web

12/09/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 801XX	Web

12/04/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75168	Web

11/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73132	Web

11/24/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80015	Web

11/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94544	Web

11/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

11/15/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CO 80138	Web

11/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63043	Phone

11/09/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NM 87501	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62234	Web

09/30/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80918	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67067	Web

09/21/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NM 87501	Web

09/19/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NM 87501	Web

09/14/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75035	Web

09/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78660	Web

09/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80206	Web

08/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60406	Web

08/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80905	Web

08/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32746	Web	Older American

08/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78665	Web

07/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80751	Web

07/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92064	Web

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63115	Web

07/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33914	Web

07/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27801	Web

07/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27801	Web

07/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63138	Web

06/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80016	Web

06/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

06/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30324	Web

06/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80304	Web

06/01/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19977	Web

05/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 816XX	Web

05/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80503	Web

05/14/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19977	Web

05/05/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CO 80246	Web

04/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80017	Referral

04/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89128	Web

03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76040	Web

03/30/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76022	Web

03/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75040	Web

03/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75038	Phone

03/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89144	Web

02/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89431	Web

02/19/2021	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	CO 80241	Phone	Older American, Servicemember

02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75067	Web

01/28/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75069	Web

01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77062	Web

01/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80013	Web

12/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DE 19934	Web

12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80207	Web	Servicemember

12/15/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO 80011	Web

12/09/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19401	Web

12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77062	Web

12/03/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98118	Web

11/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 96150	Web

11/17/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80222	Web

11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WY 82633	Web

11/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80621	Web

11/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76537	Web

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73083	Postal mail

10/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80015	Fax

10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 96150	Web

09/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DE 19904	Web

08/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75204	Web

08/04/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80002	Phone

07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87110	Referral

07/19/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33458	Web

07/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WA 98109	Web

07/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89408	Web

07/06/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89436	Web

06/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19946	Web

06/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NM 88001	Web

04/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80302	Web

03/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78640	Web

03/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31906	Web

02/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76105	Web

01/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80747	Referral

12/16/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34221	Web

11/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80218	Web

10/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80301	Web

10/26/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CO 80016	Web	Servicemember

10/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web

10/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CO 80016	Web	Servicemember

09/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85045	Web

08/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 87114	Phone

07/15/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76063	Web

07/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 87108	Web

07/09/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76063	Web

06/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80504	Web

05/31/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 73114	Postal mail

04/03/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

03/27/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89706	Web

03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75182	Postal mail

03/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80645	Web

03/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

03/08/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CO 80503	Web

02/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80439	Web

02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76112	Web

01/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89533	Web

11/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80112	Web

11/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17547	Web

10/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39735	Web

09/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80006	Web

09/06/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80538	Web

08/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89408	Web

05/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34668	Web

05/22/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80220	Web	Servicemember

05/11/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76051	Web

05/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76133	Web

04/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80127	Web

04/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76134	Web

03/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80202	Web

01/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73018	Web

01/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 81147	Web

01/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85650	Web

12/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80010	Web

12/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WY 82609	Web

11/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NE 68506	Web

11/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80219	Web

10/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80205	Web	Servicemember

10/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94612	Web

10/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80205	Web	Servicemember

10/03/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78028	Web

09/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70458	Web	Servicemember

09/18/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70458	Web	Servicemember

09/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80962	Postal mail

09/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70458	Web	Servicemember

09/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 68506	Web

08/28/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV	Web

05/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89706	Web

05/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

05/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80226	Postal mail

04/27/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89502	Web

03/29/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CO 80241	Web

03/01/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CO 80010	Web

02/03/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MO 63555	Web

01/18/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80220	Web

01/18/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80921	Web

01/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89506	Web

12/27/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CO 80226	Web

12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80487	Postal mail

11/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WY 82240	Web

11/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 73150	Phone

11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80228	Postal mail

11/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80011	Web

09/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37211	Web

09/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80214	Web

08/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80631	Web

08/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75703	Web	Servicemember

07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75001	Web

06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76137	Web	Servicemember

05/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80123	Web

05/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80128	Web

04/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30005	Phone

04/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	HI 96734	Web

03/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80013	Postal mail

03/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80229	Web

02/29/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NV 89506	Web

02/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80111	Postal mail

01/12/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CO 80111	Postal mail

12/15/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CO 80504	Web

12/07/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75035	Web

09/17/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CO 81223	Web

08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75013	Postal mail

08/13/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76026	Postal mail

08/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75206	Web

07/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89460	Web

06/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76131	Web

06/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76001	Web

06/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78418	Postal mail

06/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80220	Web

05/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80007	Web

05/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75418	Web

05/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WY 82941	Web

05/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80214	Web

05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80233	Web

04/24/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80010	Web

04/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CO 80228	Web

04/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89506	Web

04/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76205	Web

03/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85286	Web

02/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	UT 84405	Web

02/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	TX 76058	Web	Servicemember

02/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80538	Postal mail

01/30/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77386	Web

01/23/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80237	Web

01/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80543	Web

01/17/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	CO 80537	Web

01/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80538	Web	Servicemember

12/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37737	Web

11/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CO 81050	Web

11/13/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80620	Web

11/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80538	Web

11/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 62656	Web

10/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80015	Web

10/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 78654	Web

10/12/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CO 80631	Web

10/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78634	Web

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80645	Web

09/10/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CO 80126	Web

09/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80216	Web

08/26/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98038	Web

08/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89434	Web	Servicemember

08/21/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CO 80923	Web

08/05/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NV 89406	Web

07/30/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80220	Web

07/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NE 68135	Web

07/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75570	Web	Servicemember

07/20/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CO 80501	Web

06/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80134	Web

06/16/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89509	Web

06/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80634	Web

06/11/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80538	Web

06/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75224	Web

06/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 24060	Web

06/03/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Postal mail

06/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80303	Web	Servicemember

06/02/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80537	Web

05/19/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

05/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 17921	Web	Servicemember

05/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 96150	Web

05/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 17921	Web	Servicemember

05/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WI 53066	Web

05/06/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OK 73170	Web	Servicemember

04/30/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CO 80634	Web

04/30/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75106	Web

04/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NE 69001	Web

04/07/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80601	Web

03/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 70219	Postal mail

01/31/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 95695	Web

01/25/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 11753	Web

01/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WY 82201	Web	Servicemember

01/04/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CO 80525	Web

12/18/2013	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	NV 89444	Web

12/16/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80229	Web

11/21/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NV 89510	Web	Older American

11/13/2013	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	MO 64053	Web

11/13/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89701	Web	Older American, Servicemember

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76009	Postal mail

10/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 80538	Web

10/04/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97008	Web