{"took":373,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3055,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3609908","_score":14.722479,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Early XXXX XXXX Contacted original creditor, XXXX XXXX XXXX , and asked for account to be moved back in their possession, they agreed, and a payment plan was set up. Agent with original creditor assured that RSI enterprises would no longer have my account, that they would notify RSI enterprises, and that the system of RSI Enterprises would be would be updated within 2 weeks. \n\nXXXX : RSI enterprises continues to falsely report that my account is still in their possession as a derogatory collections account. XXXX  has removed this from my account and Transunion is unable to dispute. XXXX  is pending. \n\nUnder the FCRA, this is false information and is illegal for them to continue reporting as if my account is still in their possession. \n\nI WILL NOT attempt to contact RSI enterprises directly out of fear of humiliation, harassment, and retaliation which was experienced by contacting this company before. I have a history of harassment, humiliation, and retaliation with RSI enterprises from an account in the past. To keep from further mental anguish from this company I REFUSE to contact them directly. \n\nIt is my right to have my credit reported accurately and efficiently. Both of which, RSI enterprises is failing to do.","date_sent_to_company":"2020-04-16T04:57:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85716","tags":null,"has_narrative":true,"complaint_id":"3609908","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"RSI Enterprises, Inc.","date_received":"2020-04-16T04:23:48.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Agent with original creditor assured that RSI <em>enterprises</em> would no longer have my account, that they would notify RSI <em>enterprises</em>, and that the system of RSI <em>Enterprises</em> would be would be updated within 2 weeks. \n\nXXXX : RSI <em>enterprises</em> continues to falsely report that my account is still in their possession as a derogatory collections account. XXXX  has removed this from my account and Transunion is unable to dispute. XXXX  is pending."],"company":["RSI <em>Enterprises</em>, Inc."]},"sort":[14.722479,"3609908"]},{"_index":"complaint-public-v1","_id":"3602170","_score":14.5264845,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2020 I received a letter from National Enterprise Systems stating that it was an attempt to collect a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received services nor products from National Enterprise Systems. I sent National Enterprise Systems a disputed letter and in that same letter I also asked for them to send me an Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with National Enterprise Services.","date_sent_to_company":"2020-04-10T04:17:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"3602170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2020-04-10T03:55:53.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On XX/XX/2020 I received a letter from National <em>Enterprise</em> Systems stating that it was an attempt to collect a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received services nor products from National <em>Enterprise</em> Systems."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[14.5264845,"3602170"]},{"_index":"complaint-public-v1","_id":"8469270","_score":14.472663,"_source":{"product":"Debt collection","complaint_what_happened":"National Enterprise Systems, a debt collector, through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. National Enterprise Systems through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying National Enterprise Systems can legally collect, and proof that National Enterprise Systems is the current holder of the instrument which created the debt with my original blue ink signature. National Enterprise Systems is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to National Enterprise Systems and I do not consent or authorize for National Enterprise Systems to have access to my nonpublic personal information as they are third parties and I never did business with them. I will report this to the Federal Trade Commission. This is grounds for a federal lawsuit.","date_sent_to_company":"2024-03-04T16:51:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"8469270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2024-03-04T16:35:15.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["National <em>Enterprise</em> Systems through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying National <em>Enterprise</em> Systems can legally collect, and proof that National <em>Enterprise</em> Systems is the current holder of the instrument which created the debt with my original blue ink signature."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[14.472663,"8469270"]},{"_index":"complaint-public-v1","_id":"9099197","_score":14.411161,"_source":{"product":"Debt collection","complaint_what_happened":"RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN I received a letter dated : XX/XX/year> from NATIONAL ENTERPRISE SYSTEMS with the verbiage : \" This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I refuse to pay this alleged debt. I do not now, nor have I ever entered into a contract with NATIONAL ENTERPRISE SYSTEMS. This is an extortion attempt, fraud and material misrepresentation. At no time will I ever assent to the terms contained within their communication. NATIONAL ENTERPRISE SYSTEMS is also attempting to deceive me as a consumer by sending this communication to me in the first place knowing THEIR actions are fraudulent. NATIONAL ENTERPRISE SYSTEMS has compiled a misleading communication knowingly and has taken specific action to conceal the material fact that we are not in contract and that no such item exists. NATIONAL ENTERPRISE SYSTEMS also included copies of fraudulent documents with their communication. As a debt collector/buyer, NATIONAL ENTERPRISE SYSTEMS is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. NATIONAL ENTERPRISE SYSTEMS does not nor have they ever received a judgement nor can they provide verification or validation that such a judgement exists. DO NOT CONTACT ME any further ; cease and desist from any/all collection attempts and attempts at placing any statements or items or any of my consumer reports or you will be in violation of the FAIR DEBT COLLECTION PRACTICES ACT, The Fair Credit Reporting Act and all federal laws governing consumer credit transactions. I also demand NATIONAL ENTERPRISE SYSTEMS to provide a copy of their license to even attempt to collect anything in the state of PENNSYLVANIA as well as provide their certificate issued from the Pennsylvania Commissioner of Insurance. Please see complaint # XXXX ; addressing NATIONAL ENTERPRISE SYSTEMS XXXX previous attempt at collection. This matter should have concluded on XX/XX/year>. Clearly, NATIONAL ENTERPRISE SYSTEMS is in violation and I am again bringing this matter to the attention of the CFPB, demanding penalties be brought against this company for their fraudulent business practices. \nRECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN","date_sent_to_company":"2024-05-25T18:19:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"9099197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2024-05-25T17:39:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["NATIONAL <em>ENTERPRISE</em> SYSTEMS is also attempting to deceive me as a consumer by sending this communication to me in the first place knowing THEIR actions are fraudulent. NATIONAL <em>ENTERPRISE</em> SYSTEMS has compiled a misleading communication knowingly and has taken specific action to conceal the material fact that we are not in contract and that no such item exists. NATIONAL <em>ENTERPRISE</em> SYSTEMS also included copies of fraudulent documents with their communication."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[14.411161,"9099197"]},{"_index":"complaint-public-v1","_id":"6461091","_score":14.347752,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I learned that Enterprise XXXX, XXXX ( \" Enterprise  '' ) had unlawfully charged my JP Morgan Chase Bank , N.A . ( Chase ) checking debit card in the amount of {$650.00}, and immediately disputed the charge. I provided Chase with the correspondence I had sent Enterprise dated XX/XX/XXXX, requesting from Enterprise its invoice for any outstanding amount ( s ) due, and since Enterprise was authorized to charge my debit card, out of precaution, I also sent Enterprise correspondence revoking authorization for any future debits. More importantly, I also provided Chase with Enterprises invoice dated XX/XX/XXXX, showing a {$0.00} balance. \n\nOn XX/XX/XXXX, Chase informed me that they had denied my dispute. On XX/XX/XXXX, I sent Chase a Stop Payment Order and requested the documents Chase relied upon to make the denial pursuant to 12 CFR Ch. X, Pt. 1005 ( Regulation E ), et al. \n\nChases findings that the transaction processed on XX/XX/XXXX, or 51 days after revoking authorization, in the amount of {$650.00} was properly \" processed according to the information I provided '' is clear evidence that Chase has failed to properly initiate an investigation in accordance with Regulation E. On XX/XX/XXXX, Chase debited my checking account in the amount of {$650.00}, without providing me with the requested documents pursuant to Regulation E.","date_sent_to_company":"2023-01-20T14:28:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"770XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6461091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-01-20T13:34:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I provided Chase with the correspondence I had sent <em>Enterprise</em> dated XX/XX/XXXX, requesting from <em>Enterprise</em> its invoice for any outstanding amount ( s ) due, and since <em>Enterprise</em> was authorized to charge my debit card, out of precaution, I also sent <em>Enterprise</em> correspondence revoking authorization for any future debits. More importantly, I also provided Chase with <em>Enterprises</em> invoice dated XX/XX/XXXX, showing a {$0.00} balance. \n\nOn XX/XX/XXXX, Chase informed me that they had denied my dispute."]},"sort":[14.347752,"6461091"]},{"_index":"complaint-public-v1","_id":"1745980","_score":14.244446,"_source":{"product":"Debt collection","complaint_what_happened":"Credit Reporting Agency fails to removed inaccurate account from my credit report. \n\nThere is an account with Enterprise Recovery Systems which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. \n\nThis debt ca n't be assigned to Enterprise Recovery system on XXXX if all debts were discharged on XXXX. Thus Enterprise Recovery Systems has no collection authority on a discharged debt nor can they be assigned an already discharged debt. \n\nI have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.","date_sent_to_company":"2016-01-18T01:58:48.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"48180","tags":"Servicemember","has_narrative":true,"complaint_id":"1745980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"URS Holding, LLC","date_received":"2016-01-18T01:58:48.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was discharged in bankruptcy"},"highlight":{"complaint_what_happened":["Thus <em>Enterprise</em> Recovery Systems has no collection authority on a discharged debt nor can they be assigned an already discharged debt. \n\nI have disputed with both the credit reporting agency, and <em>enterprise</em> recovery system and they are refusing to delete."]},"sort":[14.244446,"1745980"]},{"_index":"complaint-public-v1","_id":"4767275","_score":14.175639,"_source":{"product":"Debt collection","complaint_what_happened":"I disputed an alleged debt of {$42.00} reported on my XXXX credit report by MarJoe Enterprises. They \" verified '' the debt belonged to me. I then sent a letter to MarJoe Enterprises disputing the validity of the debt. They did not respond within 30 days, and still have not responded to validate the debt. I disputed the debt again with XXXX submitting proof that I had sent a letter to MarJoe Enterprises with a return receipt and that they had not validated the debt. XXXX again \" verified '' the debt was mine. \n\nMarJoe Enterprises has not validated this debt with me. They've refused to respond to my inquiry. They are obviously a bad actor and should be banned from debt collection due to their inability to follow the law.","date_sent_to_company":"2021-10-14T15:25:49.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"17603","tags":null,"has_narrative":true,"complaint_id":"4767275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mar Joe Enterprises","date_received":"2021-09-30T18:28:45.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I disputed an alleged debt of {$42.00} reported on my XXXX credit report by MarJoe <em>Enterprises</em>. They \" verified '' the debt belonged to me. I then sent a letter to MarJoe <em>Enterprises</em> disputing the validity of the debt. They did not respond within 30 days, and still have not responded to validate the debt. I disputed the debt again with XXXX submitting proof that I had sent a letter to MarJoe <em>Enterprises</em> with a return receipt and that they had not validated the debt."],"company":["Mar Joe <em>Enterprises</em>"]},"sort":[14.175639,"4767275"]},{"_index":"complaint-public-v1","_id":"5502777","_score":14.065828,"_source":{"product":"Debt collection","complaint_what_happened":"National Enterprise Systems has sent me a letter which states I owe XXXX in charges to XXXX XXXX. They reference the account as XXXX, as of XX/XX/2022. \n\nNational Enterprise Systems was made aware that this matter was resolved. My account was credited on XX/XX/2022. \n\nI ask that National Enterprise Systems remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item. National Enterprise Systems should have carefully reviewed the account and information associated with it thoroughly, before making any contact with me. This matter shows complete ignorance and lack of professionalism by a desperate company looking to exploit consumers and collect on fraudulent items.","date_sent_to_company":"2022-04-27T04:14:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"91344","tags":null,"has_narrative":true,"complaint_id":"5502777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2022-04-27T03:51:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["National <em>Enterprise</em> Systems has sent me a letter which states I owe XXXX in charges to XXXX XXXX. They reference the account as XXXX, as of XX/XX/2022. \n\nNational <em>Enterprise</em> Systems was made aware that this matter was resolved. My account was credited on XX/XX/2022. \n\nI ask that National <em>Enterprise</em> Systems remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[14.065828,"5502777"]},{"_index":"complaint-public-v1","_id":"5013201","_score":14.040001,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from National Enterprise Systems of XXXX Ohio to collect a debt. I requested information from National Enterprise Systems on several occasions via U.S. certified Mail for the past 3 months they have only provided 2 documents as I requested several documentations. Especially being that they are located in Ohio and I reside in the state of New Jersey. I requested documentation that this company is legally able to collect any debt in the state of New Jersey if so, provide licenses information. I tried to be lenient with National Enterprise Systems in which I explained to them that it is my right to request documentation and to receive it. National Enterprise Systems has been in non compliance since XX/XX/2021. I've attached all documents. \n\nSee attachments.","date_sent_to_company":"2021-12-16T06:35:11.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"07731","tags":null,"has_narrative":true,"complaint_id":"5013201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2021-12-16T01:10:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I tried to be lenient with National <em>Enterprise</em> Systems in which I explained to them that it is my right to request documentation and to receive it. National <em>Enterprise</em> Systems has been in non compliance since XX/XX/2021. I've attached all documents. \n\nSee attachments."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[14.040001,"5013201"]},{"_index":"complaint-public-v1","_id":"11202598","_score":13.989622,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX is XXXX bankruptcy. My solar debt was written off and then resold and is XXXX ow with National Enterprise Systems. They have been threatening me. However, I have offered to settle with them and verbally they say they accept my offer. Problem is no one at National Enterprise systems can get XXXX to agree to remove the UCC-1 filing on my home so I can sell it. I am in foreclosure. \nCalling National Enterprise Systems doesn't for me resolve the matter as they say they will get back in a day or two but never do get back as they seem unable to get someone in charge to agree to remove the UCC-1 filing in return for the payment.","date_sent_to_company":"2024-12-18T18:55:20.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"070XX","tags":"Older American","has_narrative":true,"complaint_id":"11202598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2024-12-18T18:37:37.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["My solar debt was written off and then resold and is XXXX ow with National <em>Enterprise</em> Systems. They have been threatening me. However, I have offered to settle with them and verbally they say they accept my offer. Problem is no one at National <em>Enterprise</em> systems can get XXXX to agree to remove the UCC-1 filing on my home so I can sell it. I am in foreclosure."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[13.989622,"11202598"]},{"_index":"complaint-public-v1","_id":"6629784","_score":13.897701,"_source":{"product":"Debt collection","complaint_what_happened":"1. American Collections Enterprise , Inc. ( ACEI ), Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, Phone : ( XXXX ) XXXX placed a debt collection alert on my credit report, which was notified to me through my credit monitoring agency XXXX XXXX on XX/XX/XXXX, XXXX XXXX \n\n2. American Collections Enterprise , Inc. ( ACEI ) had not placed any contact information on the Credit Alert to allow me to get in touch to understand the reasoning of the credit alert. \n\n3. On reviewing the credit alert I somehow did a XXXX Search and after making a few incorrect calls I could finally reach the correct debt collection agency named American Collections Enterprise , Inc. ( ACEI ) 4. I verified the debt over the phone on XX/XX/XXXX and paid the the debt in full for the amount of {$170.00} and a Debt Payment Processing Charge of {$6.00} on XX/XX/XXXX 5. American Collections Enterprise , Inc. ( ACEI ) representative confirmed that they have only once mailed me a letter on XX/XX/XXXX through regular USPS mail, and made no further communication attempts.\n\n6. American Collections Enterprise , Inc. ( ACEI ) was unable to provide a USPS Mail Tracking Number for me to verify if debt collection notification letter was delivered to me.\n\n7. American Collections Enterprise , Inc. ( ACEI ) debt collection agent confirmed that they never sent any certified mail to notify me of the debt collection notification 8. American Collections Enterprise , Inc. ( ACEI ) debt collection agent confirmed that they never made any additional communication attempts like email or phone call to collect debt 9. American Collections Enterprise , Inc. ( ACEI ) despite collecting the debt in full on XX/XX/XXXX has so far not agreed to remove this credit alert from my credit file","date_sent_to_company":"2023-03-28T18:23:20.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"193XX","tags":null,"has_narrative":true,"complaint_id":"6629784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Collections Enterprise, Inc.","date_received":"2023-02-28T17:53:29.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["American Collections <em>Enterprise</em> , Inc. ( ACEI ) debt collection agent confirmed that they never sent any certified mail to notify me of the debt collection notification 8. American Collections <em>Enterprise</em> , Inc. ( ACEI ) debt collection agent confirmed that they never made any additional communication attempts like email or phone call to collect debt 9."],"company":["American Collections <em>Enterprise</em>, Inc."]},"sort":[13.897701,"6629784"]},{"_index":"complaint-public-v1","_id":"13442927","_score":13.839708,"_source":{"product":"Credit card","complaint_what_happened":"I have an open dispute with Chime from enterprise XXXX for XXXX and something dollars. I have provided Chi with all the necessary details and information they need to give me aI have an open dispute with Chime from enterprise XXXX for XXXX and something dollars. I have provided Chime with all the necessary details and information they need to give me a chargeback charge back. They still refuse to give me back my money until enterprise refund them the money this dispute has been going on since XXXX. They keep telling me that the investigation team is working on it to come to a resolution.","date_sent_to_company":"2025-05-10T15:20:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"132XX","tags":null,"has_narrative":true,"complaint_id":"13442927","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-05-10T15:11:15.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have an open dispute with Chime from <em>enterprise</em> XXXX for XXXX and something dollars. I have provided Chi with all the necessary details and information they need to give me aI have an open dispute with Chime from <em>enterprise</em> XXXX for XXXX and something dollars. I have provided Chime with all the necessary details and information they need to give me a chargeback charge back."]},"sort":[13.839708,"13442927"]},{"_index":"complaint-public-v1","_id":"8415930","_score":13.819102,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filled out a credit application for my business for a vehicle through enterprise. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have enterprise pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from enterprise so I will not have multiple inquiries ran on my report. \n\nDespite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing","date_sent_to_company":"2024-02-25T11:36:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18940","tags":null,"has_narrative":true,"complaint_id":"8415930","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-25T11:25:07.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I filled out a credit application for my business for a vehicle through <em>enterprise</em>. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have <em>enterprise</em> pulls the credit profile and sends it to the banks."]},"sort":[13.819102,"8415930"]},{"_index":"complaint-public-v1","_id":"9212471","_score":13.7733,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against National Enterprise Systems for Violation of Consumer Protection Laws Dear Sir/Madam , National Enterprise Systems accused me of owing an alleged debt that they state that I owe. I was unaware of this alleged debt, and I didnt have an opportunity to dispute this information, as National Enterprise Systems never provided me the proper notification of the alleged debt. If in fact they believe that they gave me the properly notification then please have them send me the certified return green card receipt with my name, address, and date on it. \nSo then I wrote National Enterprise Systems and requested debt validation pursuant to 15 USC 1692g including : *An Official Affidavit of Debt *The original contract on their company letter head with my wit ink signature on it *Proof of ownership AKA change of Custody collection *The full accounting records both Public and Private in accordance with General Accepted Accounting Principles ( GAAP ) and in accordance with 15 U.S.C. 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. \n\nThey failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. I am writing to file a formal complaint against National Enterprise Systems for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that National Enterprise Systems communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ). Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Commun\nication with Third Parties I have evidence that National Enterprise Systems communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ).\n\nExhibit C : Violation of 15 USC 1692 ( b ) ( 5 ) - Use of Language or Symbol I have documentation showing that National Enterprise Systems used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 USC 1692 ( b ) ( 5 ).\n\nExhibit D : Violation of 15 USC 1692 ( d ) ( 2 ) - Use of Obscene or Profane Language I have proof that National Enterprise Systems used obscene or profane language in communications with me or language that abused or harassed me, which is a violation of 15 USC 1692 ( d ) ( 2 ).\n\nExhibit E : Violation of 15 U.S.C. 1692f ( 8 ) - Use of Language or Symbol I have documentation showing that National Enterprise Systems used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 U.S.C. 1692f ( 8 ). \n\nAnother federally protected consumer have also file complaints against National Enterprise Systems for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Listed below are just a few. \n\nXX/XX/year> CFPB XXXX Took or threatened to take negative or legal action With that being said, National Enterprise Systems are in clear violation of the FDCPA and my rights as a federal protected consumer. I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against National Enterprise Systems I also request that the Consumer Financial Protection Bureau impose a remedy of {$1000.00} per violation, as provided for under 15 USC 1692k, on National Enterprise Systems to compensate me for the harm caused by these violations. \n\nThank you for your attention to this matter. I look forward to your prompt response. \n\nSincerely XXXX XXXX XXXX.","date_sent_to_company":"2024-06-09T20:39:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77338","tags":"Servicemember","has_narrative":true,"complaint_id":"9212471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2024-06-09T20:27:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against National <em>Enterprise</em> Systems for Violation of Consumer Protection Laws Dear Sir/Madam , National <em>Enterprise</em> Systems accused me of owing an alleged debt that they state that I owe."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[13.7733,"9212471"]},{"_index":"complaint-public-v1","_id":"2898647","_score":13.615123,"_source":{"product":"Debt collection","complaint_what_happened":"We received an Order Of Withholding From Earnings from National Enterprises Systems for an employee. It appeared to be an official order compelling us to send the employee 's wages, citing Federal Laws in the letter. The letter stated if the wages were not received by XX/XX/2018, they would consider legal action against XXXX XXXXs.\n\nAfter looking into National Enterprise Systems, it appears this is common practice for this company and it is illegal.","date_sent_to_company":"2018-05-07T16:31:03.000Z","issue":"False statements or representation","sub_product":"Federal student loan debt","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"2898647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2018-05-07T15:36:53.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["We received an Order Of Withholding From Earnings from National <em>Enterprises</em> Systems for an employee. It appeared to be an official order compelling us to send the employee 's wages, citing Federal Laws in the letter. The letter stated if the wages were not received by XX/XX/2018, they would consider legal action against XXXX XXXXs.\n\nAfter looking into National <em>Enterprise</em> Systems, it appears this is common practice for this company and it is illegal."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[13.615123,"2898647"]},{"_index":"complaint-public-v1","_id":"3406166","_score":13.608297,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2019 I was informed that the collection account on XXXX was deleted and removed off my credit report. The debt collection company was revenue enterprises. I had never received anything from them in the mail, last thing I have ever received was from original owner, XXXX XXXX XXXX just stating a owed amount that my insurance covered. I didnt even know I had a collection account until checking XXXX  XXXX. One i  saw it & disputed it because it wasnt accurate. After receiving confirmation of the account being deleted off my credit report due to inaccurate information I figured that I didnt have to do anything more. It was removed from XXXX  as well. On XX/XX/2019 I got an email from XXXX XXXX  stating a new account was opened from revenue enterprises, also received an email stating the same thing from XXXX  XXXX, & XXXX  XXXX. I got into XXXX  to look at everything since I pay for premium. I noticed I had notifications. The notifications show on XX/XX/2019 revenue enterprises reported a new opened account and for a higher amount than it originally was. It now show it was XXXX instead of XXXX. Then it says on XX/XX/2019 that revenue enterprises flagged my account on XXXX  as unpaid and the amount is XXXX. \nThen on XX/XX/2019 another notifications I seen on XXXX says revenue flagged my account as collections on XXXX  and the amount is XXXX. When I call revenue enterprises they say they never received an disputes and that its been reporting since they bought the debt. That I have to contact the Credit bureaus and ask them and that I never received any notifications of the account because my address wasnt correct. I have updated my address with post office and all my mail has been forwarded to my new address I have received everything else but nothing from them. I called XXXX  they told me they cant do anything that i need to contact revenue enterprises.","date_sent_to_company":"2019-10-15T19:06:46.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"759XX","tags":null,"has_narrative":true,"complaint_id":"3406166","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Revenue Enterprises, LLC","date_received":"2019-10-15T18:24:21.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I called XXXX  they told me they cant do anything that i need to contact revenue <em>enterprises</em>."],"company":["Revenue <em>Enterprises</em>, LLC"]},"sort":[13.608297,"3406166"]},{"_index":"complaint-public-v1","_id":"1776693","_score":13.58452,"_source":{"product":"Debt collection","complaint_what_happened":"I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( Enterprise Recovery Systems ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX the loan servicer, Enterprise Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . Enterprise Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was \" special '' and had been referred back to XXXX. The representative from Enterprise Recovery Systems further advised me that XXXX was not bound by any regulations to respond in a timely manner \" they could take as long as they want '' but they \" Enterprise Recovery System '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.","date_sent_to_company":"2016-02-08T04:39:59.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Non-federal student loan","zip_code":"29154","tags":"Servicemember","has_narrative":true,"complaint_id":"1776693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"URS Holding, LLC","date_received":"2016-02-08T04:39:58.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt resulted from identity theft"},"highlight":{"complaint_what_happened":["I have spoken to XXXX the loan servicer, <em>Enterprise</em> Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . <em>Enterprise</em> Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was \" special '' and had been referred back to XXXX."]},"sort":[13.58452,"1776693"]},{"_index":"complaint-public-v1","_id":"7136460","_score":13.549009,"_source":{"product":"Debt collection","complaint_what_happened":"I received a written communication dated XX/XX/2023 from National Enterprise Systems, regarding an alleged debt I have no knowledge of. It contained verbiage, logos, symbols, and statements identifying them as a debt collector attempting to collect from me. As a consumer, I have never contracted with this company or any affiliates. Pursuant to 15 USC 1692k, National Enterprise Systems is now civilly liable for its abusive and deceptive practices by identifying itself as a debt collector attempting to collect from me, a federally protected consumer. I demand National Enterprise Systems cease and desist with all communication, collection attempts, and adverse reporting. Any further attempts will be considered a direct violation of all applicable federal laws. The notice I received constitutes harassment. As a consumer, I have not now or ever authorized or extended my credit to them. Do not attempt to continually furnish any information on my behalf guised as a collection account. I have never given this company or affiliates a permissible purpose to do so. This company is also in violation of 15 USC 1692e by making false and misleading representations. I am demanding National Enterprise Systems provide an original contract with my signature, offer, and acceptance. Copies will not suffice. Any continuance or disregard of this notice will be deemed as a direct violation of federal law, as I am a federally protected consumer.","date_sent_to_company":"2023-06-19T21:16:27.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"7136460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2023-06-19T20:50:16.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["Pursuant to 15 USC 1692k, National <em>Enterprise</em> Systems is now civilly liable for its abusive and deceptive practices by identifying itself as a debt collector attempting to collect from me, a federally protected consumer. I demand National <em>Enterprise</em> Systems cease and desist with all communication, collection attempts, and adverse reporting. Any further attempts will be considered a direct violation of all applicable federal laws. The notice I received constitutes harassment."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[13.549009,"7136460"]},{"_index":"complaint-public-v1","_id":"5821616","_score":13.484062,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2022, National Enterprise Systems -- XXXX XXXX XXXX, XXXX, Ohio, XXXX, XXXX, XXXX XXXX XXXX accessed my XXXX Credit Report purportedly under the guise of \" servicing my account. '' I have no account with National Enterprise Systems.","date_sent_to_company":"2022-07-29T04:45:59.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"91411","tags":null,"has_narrative":true,"complaint_id":"5821616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2022-07-29T00:39:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["On XX/XX/2022, National <em>Enterprise</em> Systems -- XXXX XXXX XXXX, XXXX, Ohio, XXXX, XXXX, XXXX XXXX XXXX accessed my XXXX Credit Report purportedly under the guise of \" servicing my account. '' I have no account with National <em>Enterprise</em> Systems."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[13.484062,"5821616"]},{"_index":"complaint-public-v1","_id":"7557904","_score":13.482812,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2023 I received a letter from National Enterprise Systems stating that I owe XXXX Bank {$150.00}. I did not give authorization for National Enterprise Systems to get information they are a third party and I never received information from XXXX Bank letting me know that they were sending information to third party. When I called National Enterprise Systems to get signed documents showing that I gave them authorization they never sent it to me. Now it is XX/XX/2023 and I would like this off my credit report it is giving me a negative report and would like to have this off immediately.","date_sent_to_company":"2023-09-15T16:20:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"7557904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2023-09-15T15:10:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/2023 I received a letter from National <em>Enterprise</em> Systems stating that I owe XXXX Bank {$150.00}. I did not give authorization for National <em>Enterprise</em> Systems to get information they are a third party and I never received information from XXXX Bank letting me know that they were sending information to third party. When I called National <em>Enterprise</em> Systems to get signed documents showing that I gave them authorization they never sent it to me."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[13.482812,"7557904"]},{"_index":"complaint-public-v1","_id":"10998003","_score":13.462832,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I received a letter from RSI Enterprise , Inc., attempting to collect an alleged debt of {$470.00}. I dispute this debt as it is not mine. To address this matter, I sent a debt validation letter to RSI Enterprise , Inc. requesting : 1. Validation of the debt, including a detailed account history and calculation of the alleged amount.\n\n2. Proof of ownership of the debt, such as a bill of sale or assignment contract demonstrating RSI Enterprises authority to collect. \n\n3. Verification of my liability, including any signed agreements or contracts evidencing my responsibility for the alleged debt. \n\nDespite this request, RSI Enterprise , Inc. has continued to contact me through phone calls and mailed correspondence without providing any of the requested documentation. Most recently, they called me on XX/XX/year>, disturbing me with collection attempts. These actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically : -Their failure to validate the debt as required under the FDCPA after my formal written request. \n\n-Their continued contact and collection attempts after being informed that I dispute the debt and requested validation.","date_sent_to_company":"2024-12-03T00:45:47.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"799XX","tags":null,"has_narrative":true,"complaint_id":"10998003","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RSI Enterprises, Inc.","date_received":"2024-12-02T23:53:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received a letter from RSI <em>Enterprise</em> , Inc., attempting to collect an alleged debt of {$470.00}. I dispute this debt as it is not mine. To address this matter, I sent a debt validation letter to RSI <em>Enterprise</em> , Inc. requesting : 1. Validation of the debt, including a detailed account history and calculation of the alleged amount.\n\n2. Proof of ownership of the debt, such as a bill of sale or assignment contract demonstrating RSI <em>Enterprises</em> authority to collect. \n\n3."],"company":["RSI <em>Enterprises</em>, Inc."]},"sort":[13.462832,"10998003"]},{"_index":"complaint-public-v1","_id":"13574176","_score":13.388664,"_source":{"product":"Debt collection","complaint_what_happened":"Date : XX/XX/year>XXXX  To Whom It May Concern : I am writing to formally lodge a complaint against American Collections Enterprise , Inc, a third-party debt collector, for unlawfully attempting to collect a debt that I do not owe to them and for reporting this alleged debt to the credit bureaus without proper legal standing. This conduct violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request immediate intervention to rectify this matter. \n\nDetails of the Complaint : Debt Collector : American Collections Enterprise , Inc XXXX XXXX Compliance & Quality Assurance Manager Alleged Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Amount Claimed : {$1900.00} Credit Bureaus Reported To : [ XXXX XXXX XXXX  ] I have not received any prior communication from the original creditor, only the debt collector regarding this alleged obligation. Despite my requests for validation of the debt, American Collections Enterprise , Inc has failed to provide adequate documentation proving that I owe this debt to their company or that they have the legal right to collect it. \n\nLegal Violations : Lack of Debt Validation ( FDCPA 809 ) : Under the FDCPA, a debt collector must provide verification of a debt upon request. American Collection Enterprise , Inc has not supplied sufficient evidence to substantiate their authority to collect any debt from me. \n\nUnauthorized Credit Reporting ( FCRA 1681 ) : The FCRA mandates that only entities with a permissible purpose may report information to credit bureaus. American Collections Enterprise , Inc has reported this alleged debt without demonstrating a legitimate right to do so.\n\nFalse or Misleading Representations ( FDCPA 1692e ) : The FDCPA prohibits debt collectors from making false or misleading statements in connection with the collection of a debt. American Collections Enterprise , Inc has engaged in such practices by asserting a debt that I do not owe to them and reporting it to credit bureaus without proper validation.\n\nRequested Actions : I respectfully request the CFPB to : Investigate American Collections Enterprise , Inc for violations of the FDCPA and FCRA.\n\nEnsure that all information regarding this alleged debt is immediately removed from my credit reports with all major credit bureaus. \n\nProvide me with an email and written confirmation by mail once the investigation is complete and corrective actions have been taken. \n\n\nThank you for your prompt attention to this serious matter. I trust that the CFPB will take the necessary steps to protect my rights and ensure that American Collection Enterprise , Inc is held accountable for their unlawful actions.\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-05-17T21:39:09.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"711XX","tags":null,"has_narrative":true,"complaint_id":"13574176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Collections Enterprise, Inc.","date_received":"2025-05-17T21:07:58.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["American Collection <em>Enterprise</em> , Inc has not supplied sufficient evidence to substantiate their authority to collect any debt from me. \n\nUnauthorized Credit Reporting ( FCRA 1681 ) : The FCRA mandates that only entities with a permissible purpose may report information to credit bureaus. American Collections <em>Enterprise</em> , Inc has reported this alleged debt without demonstrating a legitimate right to do so."],"company":["American Collections <em>Enterprise</em>, Inc."]},"sort":[13.388664,"13574176"]},{"_index":"complaint-public-v1","_id":"12250587","_score":13.374203,"_source":{"product":"Student loan","complaint_what_happened":"IN XX/XX/ I ENTERED INTO A SETTLEMENT WITH NATIONAL ENTERPRISE SYSTEMS AND PAID THE AGREED UPON AGREEMENT IN FULL. ENTERPRISE HAS YET TO REMOVE DEBT FROM MY VREDIT REPORTS. I HAVE E-MAILED THEM ( XXXX XXXX AND XXXX XXXX ) SEVERAL TIMES I ALSO CALLED VARIOUS TIMES @ XXXX, EXT. XXXX AND THEY PROMISED TO HAVE DEBT REMOVED. TILL NO ACTION ON THEIR PART. \n\n\nNES Account Number : XXXX EE ATTACHED LETTER.","date_sent_to_company":"2025-02-28T18:26:14.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Private student loan","zip_code":"33442","tags":null,"has_narrative":true,"complaint_id":"12250587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2025-02-28T17:53:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["IN XX/XX/ I ENTERED INTO A SETTLEMENT WITH NATIONAL <em>ENTERPRISE</em> SYSTEMS AND PAID THE AGREED UPON AGREEMENT IN FULL. <em>ENTERPRISE</em> HAS YET TO REMOVE DEBT FROM MY VREDIT REPORTS. I HAVE E-MAILED THEM ( XXXX XXXX AND XXXX XXXX ) SEVERAL TIMES I ALSO CALLED VARIOUS TIMES @ XXXX, EXT. XXXX AND THEY PROMISED TO HAVE DEBT REMOVED. TILL NO ACTION ON THEIR PART. \n\n\nNES Account Number : XXXX EE ATTACHED LETTER."],"company":["National <em>Enterprise</em> Systems, Inc."]},"sort":[13.374203,"12250587"]},{"_index":"complaint-public-v1","_id":"1336502","_score":13.3462105,"_source":{"product":"Student loan","complaint_what_happened":"The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.","date_sent_to_company":"2015-04-22T14:36:17.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"07003","tags":"Servicemember","has_narrative":true,"complaint_id":"1336502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"URS Holding, LLC","date_received":"2015-04-19T20:27:05.000Z","state":"NJ","company_public_response":null,"sub_issue":"Can't get flexible payment options"},"highlight":{"complaint_what_happened":["The original loan holder, XXXX sent me an email stating that they have released the account to <em>Enterprise</em> Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with <em>Enterprise</em>."]},"sort":[13.3462105,"1336502"]},{"_index":"complaint-public-v1","_id":"2246526","_score":13.322687,"_source":{"product":"Debt collection","complaint_what_happened":"I recently received a copy of my credit report and noticed some erroneous items on my credit reports. American Collection Enterprise Inc. is handling the collection of the accounts mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between American Collection Enterprise Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim.. Provide me with a certified copy of an original contract with my signature, specifically naming American Collection Enterprise Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in questions.","date_sent_to_company":"2016-12-12T16:11:53.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Medical","zip_code":"20877","tags":null,"has_narrative":true,"complaint_id":"2246526","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"American Collections Enterprise, Inc.","date_received":"2016-12-12T16:11:53.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["American Collection <em>Enterprise</em> Inc. is handling the collection of the accounts mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between American Collection <em>Enterprise</em> Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim.."],"company":["American Collections <em>Enterprise</em>, Inc."]},"sort":[13.322687,"2246526"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5354,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3055},{"key":0,"key_as_string":"false","doc_count":2299}]}},"product":{"doc_count":3055,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":1400,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":365},{"key":"I do not know","doc_count":330},{"key":"Medical debt","doc_count":255},{"key":"Credit card debt","doc_count":115},{"key":"Other (i.e. phone, health club, etc.)","doc_count":93},{"key":"Medical","doc_count":48},{"key":"Private student loan debt","doc_count":40},{"key":"Payday loan 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