{"took":85,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1317,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5213290","_score":17.828793,"_source":{"product":"Debt collection","complaint_what_happened":"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.","date_sent_to_company":"2022-02-11T19:08:12.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"60302","tags":null,"has_narrative":true,"complaint_id":"5213290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2022-02-11T18:47:28.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Professional</em> <em>Finance</em> currently has a collection on my credit report for an ambulance bill in the amount of {$3000.00}. I have reached out to <em>Professional</em> <em>Finance</em> XXXX  times and advised them that XXXX XXXX is submitting the bill to my insurance and has stated that the collection should be removed. <em>Professional</em> <em>Finance</em> has refused to remove the collection. They have also refused to contact XXXX XXXX."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[17.828793,"5213290"]},{"_index":"complaint-public-v1","_id":"8736595","_score":17.266207,"_source":{"product":"Debt collection","complaint_what_happened":"Beginning in XX/XX/XXXX, I noticed a collection account on my XXXX credit report from Professional Finance Company, regarding XXXX XXXX. I have never been a patient of \" XXXX '', now owned by XXXX. The account number provided within my XXXX credit report is XXXX, for a charge of {$3200.00}, with a date of XX/XX/XXXX. At no time in XXXX of XXXX, or in the years XXXX, XXXX, XXXX, XXXX and XXXX have I been to ANY hospital to receive ANY medical treatment. On XX/XX/XXXX, I sent a letter to Professional Finance Company at XXXX XXXX XXXX XXXX XXXX XXXX containing an Identity Theft Report, an Identity Theft Report Debt Collector Letter and a Notice to Furnishers. I provided a copy of my government issued drivers license as proof of identity. Professional Finance Company failed to respond. I resent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX. I have never even received a collection notice from Professional Finance Company and in violation of clearly established case law, Professional Finance Company has failed to respond to each and every letter. Each failure to respond is a violation of federal and state law, and clearly established case law. This is and will be my last attempt before litigation to resolve this matter amicably. The original FTC Identity Theft Report Number is : XXXX. The lack of willingness to respond is very concerning and makes clear there is a high probability that Professional Finance Company could be in possession of medical information, in violation of HIPPA laws. Furthermore, Professional Finance Company is reporting inaccurate information to XXXX, such as listing the account as \" open '' instead of closed. Professional Finance Company also does not provide a \" closed '' date as a collection company is required to provide. Please see the attachments.","date_sent_to_company":"2024-04-10T15:14:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"8736595","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2024-04-10T14:08:04.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The lack of willingness to respond is very concerning and makes clear there is a high probability that <em>Professional</em> <em>Finance</em> Company could be in possession of medical information, in violation of HIPPA laws. Furthermore, <em>Professional</em> <em>Finance</em> Company is reporting inaccurate information to XXXX, such as listing the account as \" open '' instead of closed. <em>Professional</em> <em>Finance</em> Company also does not provide a \" closed '' date as a collection company is required to provide. Please see the attachments."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[17.266207,"8736595"]},{"_index":"complaint-public-v1","_id":"6459642","_score":16.894829,"_source":{"product":"Debt collection","complaint_what_happened":"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.","date_sent_to_company":"2023-01-19T19:12:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"6459642","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2023-01-19T19:06:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["On XX/XX/2022, I emailed <em>Professional</em> <em>Finance</em> Company a receipt from the provider Preferred Imaging showing I have a XXXX balance. Then I called <em>Professional</em> <em>Finance</em> Company to verify the email was received, which they confirmed. I disputed the account with all three credit reporting agencys, and <em>Professional</em> <em>Finance</em> 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."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[16.894829,"6459642"]},{"_index":"complaint-public-v1","_id":"3312623","_score":16.721354,"_source":{"product":"Debt collection","complaint_what_happened":"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. \n\nIf Professional Finance Company has an obligation to report accurate information to all three credit bureaus, why is there a discrepancy in their reporting methods? \n\nThank you, XXXX XXXX","date_sent_to_company":"2019-07-20T04:16:42.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"780XX","tags":null,"has_narrative":true,"complaint_id":"3312623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2019-07-20T00:03:28.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I have requested each of the three credit bureaus as well as <em>Professional</em> <em>Finance</em> 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 <em>Professional</em> <em>Finance</em> 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, <em>Professional</em> <em>Finance</em> Co."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[16.721354,"3312623"]},{"_index":"complaint-public-v1","_id":"3110044","_score":16.628262,"_source":{"product":"Debt collection","complaint_what_happened":"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.","date_sent_to_company":"2018-12-26T22:32:36.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"80504","tags":null,"has_narrative":true,"complaint_id":"3110044","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2018-12-26T22:13:01.000Z","state":"CO","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Also no mail or other records from <em>Professional</em> <em>Finance</em>. I submitted a certified letter to <em>Professional</em> <em>Finance</em> 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 <em>Professional</em> <em>Finance</em>. 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."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[16.628262,"3110044"]},{"_index":"complaint-public-v1","_id":"4483536","_score":16.425407,"_source":{"product":"Debt collection","complaint_what_happened":"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.","date_sent_to_company":"2021-06-22T05:37:27.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"75028","tags":null,"has_narrative":true,"complaint_id":"4483536","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2021-06-22T04:55:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I disputed the debt and provided proof of payment to <em>Professional</em> <em>Finance</em> 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 <em>Professional</em> <em>Finance</em>. HOURS on the phone with <em>Professional</em> <em>Finance</em> and the Billing Dept at XXXX. No resolve."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[16.425407,"4483536"]},{"_index":"complaint-public-v1","_id":"3770537","_score":16.330818,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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. \n\nIt is account # XXXX Accounts are still listed on my credit report and are inaccurate","date_sent_to_company":"2020-07-29T23:47:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80229","tags":null,"has_narrative":true,"complaint_id":"3770537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2020-07-29T23:35:38.000Z","state":"CO","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am trying to buy a house and found accounts with <em>Professional</em> <em>Finance</em> company on my credit report. I do not believe the accounts are accurate but I paid them because <em>Professional</em> <em>Finance</em> company agreed to delete account after payment. \n\nIt is account # XXXX Accounts are still listed on my credit report and are inaccurate"],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[16.330818,"3770537"]},{"_index":"complaint-public-v1","_id":"5729696","_score":16.250963,"_source":{"product":"Debt collection","complaint_what_happened":"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. \n\nI later received Correspondence from Professional Finance Company, a Debt Collection Agency, for this very same Bill. \n\nI contacted XXXX, who would not address this Issue with me and was referred back to the Debt Collection Agency. \n\nI 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. \n\nI 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. \n\nXXXX states that they do not show the Payment Transaction in Their System. \nXXXX Bank shows the Payment Transaction as Processed/Paid to XXXX. \n\nI need help in resolving this Dispute in Collecting a Debt that I have already paid. \n\nYour Assistance in helping me to resolve this matter is greatly appreciated. \n\nXXXX XXXX","date_sent_to_company":"2022-07-02T20:41:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"76248","tags":"Older American","has_narrative":true,"complaint_id":"5729696","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2022-07-02T19:56:58.000Z","state":"TX","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I later received Correspondence from <em>Professional</em> <em>Finance</em> Company, a Debt Collection Agency, for this very same Bill. \n\nI contacted XXXX, who would not address this Issue with me and was referred back to the Debt Collection Agency. \n\nI have provided <em>Professional</em> <em>Finance</em> Company, XXXX ( XXXX ) Separate Proof of Payment Documents from XXXX Bank, which <em>Professional</em> <em>Finance</em> informs me that XXXX will Not Accept as Proof of Payment. \n\nI have PAID this Bill."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[16.250963,"5729696"]},{"_index":"complaint-public-v1","_id":"6596816","_score":16.033089,"_source":{"product":"Debt collection","complaint_what_happened":"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. \n806 harassment or abuse. \nand most importantly, 805 FALSE OR MISLEADING REPRESENTATIONS & 812 FURNISHING FALSE OR DECEPTIVE FORMS.","date_sent_to_company":"2023-02-22T01:38:16.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"80525","tags":null,"has_narrative":true,"complaint_id":"6596816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2023-02-22T01:11:34.000Z","state":"CO","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["On XX/XX/2023 a stranger pulled up to my home and gave me paperwork from <em>PROFESSIONAL</em> <em>FINANCE</em> COMPANY INC. which at first glance seemed to be court documents for a civil action."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[16.033089,"6596816"]},{"_index":"complaint-public-v1","_id":"3047633","_score":15.988893,"_source":{"product":"Debt collection","complaint_what_happened":"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.","date_sent_to_company":"2018-10-16T18:05:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"325XX","tags":null,"has_narrative":true,"complaint_id":"3047633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2018-10-16T17:51:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Professional</em> <em>Finance</em> 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 <em>Professional</em> <em>Finance</em> Company any money for any debt."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.988893,"3047633"]},{"_index":"complaint-public-v1","_id":"5943794","_score":15.914928,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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","date_sent_to_company":"2022-09-02T21:45:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"5943794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2022-09-02T20:35:48.000Z","state":"DE","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["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 <em>PROFESSIONAL</em> <em>FINANCE</em> 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 <em>PROFESSIONAL</em> <em>FINANCE</em> 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"],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.914928,"5943794"]},{"_index":"complaint-public-v1","_id":"3964506","_score":15.911669,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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}","date_sent_to_company":"2020-11-19T21:29:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"3964506","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2020-11-19T21:26:20.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) <em>PROFESSIONAL</em> <em>FINANCE</em> C XXXX Date Opened XX/XX/2020 Balance {$1000.00} 2. ) <em>PROFESSIONAL</em> <em>FINANCE</em> C XXXX Date Opened XX/XX/2020 Balance {$250.00}"],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.911669,"3964506"]},{"_index":"complaint-public-v1","_id":"1731519","_score":15.89697,"_source":{"product":"Debt collection","complaint_what_happened":"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. \nI 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. \nI 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.","date_sent_to_company":"2016-01-12T17:09:18.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Medical","zip_code":"85224","tags":null,"has_narrative":true,"complaint_id":"1731519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2016-01-07T19:07:32.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I then contacted XXXX again in XXXX XXXX, they in turn contacted <em>Professional</em> <em>Finance</em> 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. <em>Professional</em> <em>Finance</em> has failed to take the appropriate measures to remove this negative information from my credit report after several attempts and requests to do so."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.89697,"1731519"]},{"_index":"complaint-public-v1","_id":"2937577","_score":15.892963,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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. \nProfessional Finance Company , Inc . \nXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX","date_sent_to_company":"2018-06-15T21:29:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"73008","tags":null,"has_narrative":true,"complaint_id":"2937577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2018-06-15T21:13:12.000Z","state":"OK","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I paid <em>Professional</em> <em>Finance</em> 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. \n<em>Professional</em> <em>Finance</em> Company , Inc . \nXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX"],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.892963,"2937577"]},{"_index":"complaint-public-v1","_id":"22408317","_score":15.839916,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau Complaint Complaint Against : PROFESSIONAL FINANCE COMPANY I am filing this complaint against PROFESSIONAL FINANCE COMPANY regarding inaccurate reporting and failure to properly validate an alleged medical debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nThe account is currently being reported on my credit report as follows : * Company : PROFESSIONAL FINANCE COMPANY * Balance Reported : {$2000.00} * Reported Date : XX/XX/XXXX * Opened : XX/XX/XXXX * Status : Open / Unpaid Collection Account * Type : Medical Collection * Original Creditor : XXXX XXXX XXXX XXXX XXXX I disputed this account and requested proper validation of the alleged debt. However, PROFESSIONAL FINANCE COMPANY failed to provide sufficient documentation verifying : * That this debt legitimately belongs to me * The accuracy of the amount being reported * A complete itemized billing statement * Proof they have legal authority to collect the debt * Documentation showing assignment or transfer of the alleged debt I have not received adequate supporting documentation such as : * Signed financial responsibility documents * Detailed billing records * Insurance adjustments or payment breakdowns * Proof of ownership of the account Despite the account being disputed and not properly validated, the company continues reporting this collection account to consumer reporting agencies, negatively impacting my credit profile and financial standing. \n\nUnder the FDCPA and FCRA, debt collectors and furnishers of information are required to conduct a reasonable investigation and provide proper validation when a consumer disputes an account. Continuing to report unverified information may constitute violations of federal consumer protection laws.\n\nI respectfully request that : 1. PROFESSIONAL FINANCE COMPANY provide complete and proper validation of the alleged medical debt ; OR 2. Immediately delete the account from all credit reporting agencies if they can not properly validate the debt. \n\nI also request that the CFPB investigate PROFESSIONAL FINANCE COMPANYS collection and credit reporting practices involving disputed medical accounts. \n\nThank you.","date_sent_to_company":"2026-05-20T22:46:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"22408317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2026-05-20T22:44:44.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau Complaint Complaint Against : <em>PROFESSIONAL</em> <em>FINANCE</em> COMPANY I am filing this complaint against <em>PROFESSIONAL</em> <em>FINANCE</em> COMPANY regarding inaccurate reporting and failure to properly validate an alleged medical debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA )."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.839916,"22408317"]},{"_index":"complaint-public-v1","_id":"1647561","_score":15.75235,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been in contact with Professional finance regarding XXXX accounts that are being reported to Experian, I have disputed both of them via Certified mail and in response Experian has claimed they are accurate and verified, Attached is a letter from Professional finance agreeing to remove themselves from my credit record. I sent a letter to Experian and in return they refuse to reinvestigate. Experian refuses to deal with me and remove inaccurate information from my credit report.","date_sent_to_company":"2015-11-09T03:39:17.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"80110","tags":null,"has_narrative":true,"complaint_id":"1647561","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-11-09T03:39:16.000Z","state":"CO","company_public_response":"Company chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I have been in contact with <em>Professional</em> <em>finance</em> regarding XXXX accounts that are being reported to Experian, I have disputed both of them via Certified mail and in response Experian has claimed they are accurate and verified, Attached is a letter from <em>Professional</em> <em>finance</em> agreeing to remove themselves from my credit record. I sent a letter to Experian and in return they refuse to reinvestigate. Experian refuses to deal with me and remove inaccurate information from my credit report."]},"sort":[15.75235,"1647561"]},{"_index":"complaint-public-v1","_id":"4760312","_score":15.710027,"_source":{"product":"Debt collection","complaint_what_happened":"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.\n\nI am a little concerned because two of the companies have similar names, Professional Finance and XXXX XXXX XXXX XXXX.\n\nSee attached documents showing that they all had been deleted. \n\n.","date_sent_to_company":"2021-09-28T18:02:20.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"60543","tags":"Older American","has_narrative":true,"complaint_id":"4760312","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2021-09-28T17:46:51.000Z","state":"IL","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Professional</em> <em>Finance</em> 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.\n\nI am a little concerned because two of the companies have similar names, <em>Professional</em> <em>Finance</em> and XXXX XXXX XXXX XXXX.\n\nSee attached documents showing that they all had been deleted. \n\n."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.710027,"4760312"]},{"_index":"complaint-public-v1","_id":"6212450","_score":15.701275,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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.\n\nProfessional 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.","date_sent_to_company":"2022-11-16T19:04:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"6212450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2022-11-16T18:43:15.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have sent a letter of method of verification to the collection agency <em>Professional</em> <em>Finance</em> Company for reporting inaccurate information on my credit reports. They have failed to comply with my request.\n\n<em>Professional</em> <em>Finance</em> 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."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.701275,"6212450"]},{"_index":"complaint-public-v1","_id":"5249079","_score":15.701275,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I disputed an account with professional finance back in XXXXXXXX XXXX XXXX, I did not receive a response so I sent equifax a dispute in XXXX XXXX the account was removed and the REINSERTED as an unverifiable account on my report. Ive included my credit report from XXXX showing when it was listed under XXXX XXXX  and then my XXXX report showing that it was reinserted. I did not receive any notification from equifax or professional finance. This is unethical and violates my FCRA rights.","date_sent_to_company":"2022-02-22T07:50:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"800XX","tags":null,"has_narrative":true,"complaint_id":"5249079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-22T07:31:32.000Z","state":"CO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I disputed an account with <em>professional</em> <em>finance</em> back in XXXXXXXX XXXX XXXX, I did not receive a response so I sent equifax a dispute in XXXX XXXX the account was removed and the REINSERTED as an unverifiable account on my report. Ive included my credit report from XXXX showing when it was listed under XXXX XXXX  and then my XXXX report showing that it was reinserted. I did not receive any notification from equifax or <em>professional</em> <em>finance</em>. This is unethical and violates my FCRA rights."]},"sort":[15.701275,"5249079"]},{"_index":"complaint-public-v1","_id":"4845358","_score":15.312952,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"The Kia Finance department which was supposed to send my insurance company a letter of guarantee failed to do so. It took several months to obtain this information and during this inappropriate & unprofessional time period the loan accumulated monthly charges which the gap insurance refused to pay. These charges which would not of been accumulated if Kia Finance would of responded in the appropriate & Professional amount of time to the insurance company. I shouldn't be responsible for this failure by Kia Finance and therefore they should retract these fees from my credit report as they have never tried to settle this and the collection company can not. The whole matter was handled inappropriately & without Professional conduct. They do not return phonr calls and when I reported this to the Attorney General they produced false information.","date_sent_to_company":"2021-10-26T06:58:05.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"864XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4845358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2021-10-26T06:34:35.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["The Kia <em>Finance</em> department which was supposed to send my insurance company a letter of guarantee failed to do so. It took several months to obtain this information and during this inappropriate & unprofessional time period the loan accumulated monthly charges which the gap insurance refused to pay. These charges which would not of been accumulated if Kia <em>Finance</em> would of responded in the appropriate & <em>Professional</em> amount of time to the insurance company."]},"sort":[15.312952,"4845358"]},{"_index":"complaint-public-v1","_id":"5150633","_score":15.245005,"_source":{"product":"Debt collection","complaint_what_happened":"Professional Finance Co. is in violation of my federally protected consumer rights.","date_sent_to_company":"2022-01-25T20:53:46.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"875XX","tags":null,"has_narrative":true,"complaint_id":"5150633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2022-01-25T20:47:26.000Z","state":"NM","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["<em>Professional</em> <em>Finance</em> Co. is in violation of my federally protected consumer rights."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.245005,"5150633"]},{"_index":"complaint-public-v1","_id":"4355785","_score":15.235164,"_source":{"product":"Debt collection","complaint_what_happened":"Professional Finance Co. fraudulently placed a collection on my credit reports.","date_sent_to_company":"2021-05-06T14:14:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"30349","tags":"Servicemember","has_narrative":true,"complaint_id":"4355785","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2021-05-06T13:59:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Professional</em> <em>Finance</em> Co. fraudulently placed a collection on my credit reports."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.235164,"4355785"]},{"_index":"complaint-public-v1","_id":"2422827","_score":15.168953,"_source":{"product":"Debt collection","complaint_what_happened":"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 .","date_sent_to_company":"2017-04-06T16:16:55.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"662XX","tags":null,"has_narrative":true,"complaint_id":"2422827","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2017-04-06T16:16:54.000Z","state":"KS","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["The debt was already paid and was never owed to <em>Professional</em> <em>Finance</em> Company , Inc ."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.168953,"2422827"]},{"_index":"complaint-public-v1","_id":"5023434","_score":15.122321,"_source":{"product":"Debt collection","complaint_what_happened":"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","date_sent_to_company":"2022-01-06T19:06:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"52405","tags":"Older American","has_narrative":true,"complaint_id":"5023434","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2021-12-19T21:54:47.000Z","state":"IA","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["The only contact from <em>Professional</em> <em>Finance</em> 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 <em>Professional</em> <em>Finance</em> 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."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.122321,"5023434"]},{"_index":"complaint-public-v1","_id":"1576271","_score":15.102349,"_source":{"product":"Debt collection","complaint_what_happened":"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.","date_sent_to_company":"2015-09-23T16:35:17.000Z","issue":"Communication tactics","sub_product":"Medical","zip_code":"805XX","tags":null,"has_narrative":true,"complaint_id":"1576271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2015-09-23T16:35:16.000Z","state":"CO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened to take legal action"},"highlight":{"complaint_what_happened":["Not trusting the system I went to <em>Professional</em> <em>Finance</em> 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 <em>Professional</em> <em>Finance</em> 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."],"company":["<em>Professional</em> <em>Finance</em> Company, Inc."]},"sort":[15.102349,"1576271"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1767,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1317},{"key":0,"key_as_string":"false","doc_count":450}]}},"product":{"doc_count":1317,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":364,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":174},{"key":"I do not know","doc_count":50},{"key":"Other debt","doc_count":36},{"key":"Medical","doc_count":25},{"key":"Auto debt","doc_count":23},{"key":"Credit card debt","doc_count":22},{"key":"Mortgage debt","doc_count":11},{"key":"Other (i.e. phone, health club, 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