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Improper contact or sharing of info | My family members keep getting harassing phone calls from a XXXX XXXX, stating he has filled a lawsuit against me and I need to contact him, before he submits my court order and all this is stated on a third party voice mail .. I call XXXX a get nothing but voice mails |
Incorrect information on credit report | TransUnion has reported misinformation concerning possibly auto loan and mortgage loan. |
Incorrect information on credit report | I see this company called XXXX pulled a hard credit inquiry I only have an XXXX and XXXX credit card. It should n't be on my credit report. |
Cont'd attempts collect debt not owed | CItizens Bank NA was the defendant in a Class Action Lawsuit several years ago https : //www.citizensoverdraftsettlement.com/The short story on the case is : Citizens was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " XXXX Party '' collection agency ( XXXX XXXX XXXX XXXX ) who now appears on all XXXX of my credit reports. |
Unable to get credit report/credit score | I am applying for companies that use Hire Right background checking services. I would like to retain a background check on myself through this service. They wo n't let you retain your own report unless a company has requested a report on you. But by then it is too late and I will have lost the job. |
Taking/threatening an illegal action | Pressler and Pressler has sued for a debt I do not know about. They are now garnishing my pay. The court papers that were issued to my employer showed the wrong address listed. Please help me. I do not know what deb is owed and when the debt originated from. |
Settlement process and costs | Bank of America I requesting your assistanceAt anytime XX/XX/XXXX - XX/XX/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX |
Cont'd attempts collect debt not owed | Creditor is XXXX. it is listed as a collections account on my XXXX report. The subaccount name is the Midland fund. This debt is not mine. It belongs to my father XXXX XXXX XXXX who lives at the same address. Please remove it from my credit report. |
Can't repay my loan | I just called FedLoans to see what they offer to people who are relocating for a job. I have to relocate at my own expense, and can not afford pmts until XXXX after I settle in at my new location. They have nothing to offer. They offered a new repayment plan, which would have increased my repayment amount to something that I can not afford. I should not have to do all of that just to postpone my payments for a month to a month and a half. Can the CFPB help with this? |
Fraud or scam | NO ONE CAN ACCESS THEIR MONEY. Customer service hangs up on you once you have waited an hour or more to get to them. People are losing their homes, jobs, cant eat, or pay rent. This is a disaster. UNIRUSH LLC/ RUSH CARD is by far the WORST EVER. FOLKS ' MONEY IS MISSING. |
Problem with a credit reporting company's investigation into an existing problem | I am disputing the following account with XXXX XXXX/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX Credit Reporting this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score |
Problem with a credit reporting company's investigation into an existing problem | I submitted a request to XXXX to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on my credit report. |
Incorrect information on credit report | I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the XXXX time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts. |
Incorrect information on credit report | A settlement agreement was made with XXXX ( XXXX ) to settle and pay my balances. I paid the balances and made the settlement and my credit bureau accounts are not showing the correct information. |
Taking out the loan or lease | Completed chapter XXXX everything still remain on my credit reports so I ca n't get a loan. |
False statements or representation | XXXX XXXX medical doctor.. I have had insurance for all these doctor bills |
Incorrect information on credit report | I have informed you that the Account Service/XXXX Account that is reporting on my credit file is not my account. There are duplicate reportings of this same account and both of these reportings do not belong to me. Please removed these accounts from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft. |
Incorrect information on your report | There has never been a XXXX XXXX card or account that is a fact. |
Improper use of your report | The Equifax report suggests that my information was part of what was included in the leak. At this stage I 've requested the 90 day fraud alert, but Equifax has not activated the service on my account nor notified XXXX or XXXX to my knowledge. I want to know what steps are being taken to further protect my information and my credit history from being misused. |
Communication tactics | Today XXXX XXXX, 2015 a representative called my home phone XXXX times s well as my cell phone XXXX. The representative call my home phone even after we spoke. This is a violation of the Fair Debt Collections Pracrices Act 15 USC 1692d Harassment or Abuse specifically 806.5 '' Causing a telephone to ring or engaging any person in telephone conversation repeatably or continuously with the intent to annoy, abuse or harass any person at the called number. '' |
False statements or representation | This company is claiming taxes owed on a vehicle from over 10 years ago. I have never be contacted by the city of XXXX XXXX for any balance due and have n't lived in Connecticut for over 10 years. They demand supporting documentation but do so knowing no one keeps tax records from over 10 years ago. This is a blatant attempt at a money grab and they should be shut down. I do not owe them money and I do not owe XXXX XXXX any taxes. |
Incorrect information on your report | Send 3 letters to XXXX, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 |
Improper use of your report | Equifax had a major security breech & I was identified as one who 's information has been compromised by the hack. As a credit reporting company, it 's their job to make my information secure & take precautions to make sure adequate security is in place to protect that information. Especially when our information is obtained by Equifax automatically as it is with all Americans or persons living in this country & part of the credit system. |
Problem with a credit reporting company's investigation into an existing problem | XXXX XXXX Acct # XXXX in the amount of {$630.00} has been on my credit report since XX/XX/2008. This is well past seven years. This should not be on my credit report any longer. However, Experian refuses to remove it despite me calling or complaining. THIS IS AGAINST THE LAW!!!!!! All they do is keep adding unnecessary comments on my credit file under this account. |
Incorrect information on your report | Wrong addresses. precious wong name listings. As well as current name. Debt for student loan that has been paid since 2014 |
Cont'd attempts collect debt not owed | Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested.
These XXXX collection accounts are having a negative impact on my credit history. |
Credit reporting company's investigation | EXPERIAN HAS VERIFIED IN XX/XX/XXXX a false DOFD.THE CORRECT DOFD ON XXXX CREDIT # XXXX ... IS XX/XX/XXXX.IF THE DOFD WAS CORRECT THIS ACCOUNT COULD BE REMOVED FROM MY REPORT NOW.
ALL XXXX BUREAUS, EX, XXXX, XXXX report a dofd different from each other, all XXXX bureaus report a radically different payment history.all XXXX bureaus have been recently " verified '' with different information. |
Improper use of your report | Equifax did not secure their servers well enough to stop me from being a possible victim of identity theft. I will have to spend the rest of my life meticulously checking my credit reports every week because my SSN and personal information I can not change are on the internet due to their negligence. |
Incorrect information on your report | Transunion refuses to remove fraudulent inquiries from my credit report! |
Account opening, closing, or management | I submitted a complaint in some time ago regarding monthly maintenance fees which went unresolved. As a result, in XXXX, through my online banking, I submitted an electronic message to BBT to close my account and send me a check or bill for money owed on the account. They failed to do so. Ultimately, the bank continued to charge my account maintenance fees despite my request to close my account. |
Privacy | i called bank of america XX/XX/2017 to make a phone payment on our credit card i was forwarded to a representative who asked me verification questions about my daughter-in-law i stopped him and told him i found that very intrusive and asked to speak to a supervisor 10 min later im still waitng is this for real i find it scary NOT HAPPY still waiting for rep |
Account opening, closing, or management | I opened a checking account to deposit my paycheck and that was all. I later logged into my account and noticed that there was also a savings account as well. Went into a branch to ask why that was on there, was told it was a way to save for future goals. I did not deposit much into the savings account and at one point moved all money from savings into checking and acquired a fee for a {$0.00} balance account. Was not told that fee would ever be applied. |
Credit reporting company's investigation | Ask for validation of accounts and inquiries on my credit and was not provided with any proof of documentation with my signature on it. |
Attempts to collect debt not owed | They keep calling on a debt that is not mine. |
Managing the loan or lease | Secured a LOAN, was given a bank check issued to the escrow broker ( Payee ) but the payee would not release the asset until Full clearing of funds was verified by the bank. The bank stated it would take 2 business days to acquire a COPY AFTER the check was already cleared. However, I was being charged per day interest on a loan that I had no asset for? Is this acceptable? |
Incorrect information on credit report | There are over XXXX inquiries on my XXXX and Experian credit report that do n't belong to me, I have tried to reach out to them but no one is willing to help me with this matter. |
Cont'd attempts collect debt not owed | THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! |
Can't repay my loan | Navient constantly calls harrassing over payments and wo n't release my co-signer on the private loans while I am in school, what can I do? I want to refinance the loans with another bank for a lower interest and am told I ca n't while in school, but this is a private loan, not a federally backed loan, why can I refinance and if I can, where I can find banks that do those types of loans? |
Written notification about debt | The company never provided full details for me to verify the debt.
I called 3 months ago ( XXXX 2017 ) to ask for information about why was there a collection on my credit history on their behalf and they told me i just could n't do anything about it. |
Application, originator, mortgage broker | chase bank refused to do a refi -- I ask them to transfer the appraisal to another bank -- -said it was not their policy to do so -- can they be forced to transfer? |
Communication tactics | Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months. |
Problem with a credit reporting company's investigation into an existing problem | Submitted dispute with Trasunion XX/XX/XXXX regarding XXXX XXXX XXXX.
Investigation or responses never done within 30 days. |
Dealing with your lender or servicer | Never advised me of repayment plans. Multiple loans for the same account or school attended. Confusing and contradicting information regarding school loans. |
Incorrect information on credit report | Experian is reporting XXXX credit inquiries on my credit report that i didnt authorized.
XXXX/17 XXXX XXXX/17 XXXX XXXX /17 XXXX |
Credit reporting company's investigation | Submitted a dispute to Equifax for XXXX # XXXX and XXXX # XXXX - Asked them to provide documentation showing that this information is in fact my account and correct, since I know it is not and still have not gotten anything but the standard " Verified '' response. As a consumer it is my right to know who was spoken to, who verified the information, and to send me a copy of all information. None of that was done! |
Credit decision / Underwriting | Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid XXXX |
Incorrect information on credit report | My credit report says a account was charged off as bad debt, when in fact I paid account in full, I disputed information and the reporting agency did not correct the issue |
Communication tactics | Portfolio recovery calls me everyday threating to sue me in threating to garnish my wages. I have sent them letters to verify my debt. I have also sent them to the credit bureau. I having been waiting three plus days. |
Cont'd attempts collect debt not owed | This agency continues to call even after I have explained XXXX times - XXXX messages and XXXX direct connection - that this number no longer belongs to the person they are seeking. My phone service identifies the number as Northwestern Debt Collectors. XXXX |
Communication tactics | Harborfront Acquisitions Llc threatened with a 48 hr response time if not they would take me to civil court. |
Communication tactics | They keep callin me, I told them to stop |
False statements or representation | This item is being reported as being late and has never been late. |
Improper use of your report | When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries. |
APR or interest rate | The Target department store is refusing to comply with the SCRA federal law practices by decreasing my interest rate and reimbursing me for all late payment, and for all interest rate amounts charged that were over 6 % for the duration of my spouses XXXX. |
Incorrect information on your report | I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit. |
Incorrect information on your report | They didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me. XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX |
Cont'd attempts collect debt not owed | I was issued a company cell phone for work. This phone has been receiving debt collection calls on the avg of XXXX per day. I have explained to the callers that this is a business phone and we have no relationship to the person that they are trying to reach. When I answer the phone as the company representative, they hang up. |
Incorrect information on credit report | Equifax reorted 30 days late on my credit and I submitted proof it was paid on time. XXXX XXXX was paid off and I was never late. Please remove. |
Cont'd attempts collect debt not owed | there was a judgement against me through iberia bank. in sometime in 2015 XXXX XXXX, with iberia bank agreed to settle the judgement. We settled in the amount of XXXX and this would wipe out the judgement, interest and all. Have document to show i paid out about XXXX to release me of all debt and yet this judgement is still on my credit report. please advise what my next step is. |
Unauthorized transactions or other transaction problem | I had a balance of {$97.00} in my venmo account. They offered the option to transfer it to my bank account via my debit card #. I selected this option and initiated the transfer on XX/XX/XXXX. Today, XX/XX/XXXX, the funds are still not in my bank account and venmo is stating that it shows the deposit cleared on their end but is refusing to provide any documentation to prove this transfer occurred and was accepted. |
Other fee | I responded to an offer online with Chase.
I have multiple accounts with this bank and impeccable credit XXXXI received a Chase Fairmont card - upon receipt I confirmed the bonus offer terms and if and when an annual fee was to be charged I was told there would be no fee until/ and was even given a date of XX/XX/2106.
Well my first statement was received and with it was a {$95.00} fee |
Attempts to collect debt not owed | Midwest recovery systems is fraud Im on full medical with medicare and medicaid I have XXXX XXXX. My doctors are aware of this false debt that I dont owe. I request its moved immediatley. |
Attempts to collect debt not owed | SOURCE RECEIVABLES MNG is reporting negativity on my credit reports ( XXXX XXXX XXXX XXXX XXXX. This account was supposed to be deleted when it was paid. They 're still actively reporting as a current negative account. I need them to remove based on the agreement we had ... they said they would remove it when it was paid ... Please delete from my records ... |
Managing the loan or lease | had a vehicle lease by XXXX, the vehicle was turn at the end of the term intact with all lease payment made in full, XXXX XXXX have used fraud to say I won them {$790.00} I have disputed this for years, they have remove it and then brought back by collections agency XXXX account XXXX, I have written to this company they have refused to remove it from my credit, call at all hours and harass over the phone on an ongoing bases |
Improper use of your report | On XX/XX/2018 I received a notification that I gained a new hard pull from XXXX XXXX XXXX. I never authorized this bank to look up my credit information, nor have I ever heard of them. |
Cont'd attempts collect debt not owed | I believe the company to be a scam, and trying to get money out of me. Contacted me on a " ten year old debt '' that I 've never heard of until now. |
Unable to get credit report/credit score | On XXXX I requested my free report from TransUnion. I have only received stall tactics and no report. Please send my free credit report. |
Incorrect information on credit report | A woman from the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my XXXX drivers license and social security number to purchase a car thru a loan company called XXXX to purchase a XXXX car. I did not have anything to do with this. I would think this is highly illegal. This transaction showed on my credit report on all XXXX bureaus as a positive item which has effected my debt to income ratio. I need this removed I did not buy a car. |
Incorrect information on credit report | My account status for XXXX XXXX is labeled as transferred when in fact it has been Paid through a collection agency but has never been updated as so. This is affecting my credit because it appears as though there is still a balance owed AND it is being reported on my credit report XXXX with the exact same account numbers. The second page of my attachment has the letter stating this account has been PAID. |
Disclosure verification of debt | Today I received notice from Commonwealth Financial Systems in regards to an alleged debt owed of {$120.00} from the previous collection agency ( XXXX ). I already requested validation from XXXX just weeks ago. XXXX stated that the account would be closed last week and removed from the credit reporting agency. Now Commonwealth is attempting to collect on an account that I previously requested validation on. |
Cont'd attempts collect debt not owed | this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report |
Problem with a credit reporting company's investigation into an existing problem | Equifax is reporting 2 accounts with XXXX XXXX XXXX that are past the statue of limitations the as per the bureau the XXXX and the other is XXXX and both are over 7 years old and should not be reporting the other is XXXX XXXX XXXX XXXX it actually had a charge off date over 8 years ago and again should not be reporting. |
Loan servicing, payments, escrow account | According to the previous mortgage statement the PMI has deceased but Wells Fargo informed me with an incease monthly payment. Wells Fargo reported to the credit bureau inaccurate information regarding the mortgage account. According to Wells Fargo customer services representive and credit bureau money schedule to be paid at the end of the mortgage. Additional information for the case I previous filed. |
Problems caused by my funds being low | I was charged excessive late fees and extended late fees on my account. transactions such as deposits and withdrawals were structured by the bank so that my account was unnecessarily short and thus overdrawn causing me fees in excess of {$300.00} over a few months. |
Making/receiving payments, sending money | Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one. |
Managing the loan or lease | My husband has a private student loan he obtained before our marriage ( I was a minor ). He was delinquent, and in talk for a payment plan with them, when a judgement was filed against the both of us. I am attaching paperwork we signed showing that this judgement was to only be against him. Despite this, I have a judgement listed on my credit report. |
Cont'd attempts collect debt not owed | Receive repeated calls from XXXX for some type of debt collection. Leaves very little information, seems to be a scam. Business is not licensed in the State of Maryland. |
Loan servicing, payments, escrow account | Bay View Servicing at XXXX continues to call us daily even though we have never been late on our mortgage payments. We asked that they stop calling over XXXX days ago. They continue to keep us on a dialer. |
Improper use of your report | My information was divulged during the 2017 Equifax data breach. I have filed a 90 day fraud alert on my account and will continue to monitor my information. |
Identity theft / Fraud / Embezzlement | On XXXX/XXXX/15 Capitol One Bank called me and said that someone opened a credit card in Florida on XXXX/XXXX/15. It was not me. The credit card was opened in Florida and I live in XXXX. |
Account opening, closing, or management | I recently opened a savings account with Navy Federal Credit Union and was NOT told that they would perform a hard credit check as part of the process. I later found that the credit check release was in the account paperwork and they did not inform me that they would be doing a credit check. I found this highly deceptive and has impacted my credit score. |
Attempts to collect debt not owed | CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED O N MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX |
Problems when you are unable to pay | Was offered an extension and was advised by a rep that it would be processed within 24-48 hours. Now speaking with a manager it has been several days since I was told that and now my extension still hasnt been processed. |
Fees or interest | My interest rate and minimum payment has increased over time, without my knowledge. Only increasing when I started utilizing my credit card. I have called Capital One to explain when I signed up I was suppose to have a lock in of XXXX minimum, they told me I use my credit card too much and that is why I have an increase in interest and minimum amount due. |
Incorrect information on credit report | my social is correct. Most of the addresses are correct. what stands out to me is there is XXXX addresses that I have never lived that are on there. XXXX looks like a business address. I have never lived in XXXX nor XXXX. How could they be linked with my social security number? The times overlap the real times on the real addresses. I did have my purse stolen around 2009. But it just worries me that my social would be linked to those addresses. |
Incorrect information on your report | This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my Equifax, XXXX and XXXX reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution. |
Cont'd attempts collect debt not owed | Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me. |
Cont'd attempts collect debt not owed | XXXX insurance has sold a debt to credit collection service in XXXX, Ma that is listed on my credit report when. I paid them and went to XXXX. |
Cont'd attempts collect debt not owed | I 've already paid in full and settled this case in XX/XX/2016.
I have a receipt of my payment to prove that I owe nothing. |
Improper use of your report | I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ... |
Problem with a credit reporting company's investigation into an existing problem | Disputed inaccurate information reporting on my credit report and they are not removing this account from my report. |
Improper use of your report | This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX. |
False statements or representation | The company claims that my husband owes them {$84000.00} in student loan debt. The loan does not belong to them, but they are trying to make payment arrangements with us. They have also called and harassed my neighbors and landlord. |
False statements or representation | I applied for a pay day loan with Green Trust cash.
I payed amount in full back a couple weeks a later.
I was contacted by a representative to pay amount, I told them I did. Representative said it 's a monthly reaccuring amount, so I canceled.
I went through a bankruptcy and Green Trust Cash was included in the bankruptcy. Now I 'm being contacted again to pay them. |
Incorrect information on your report | Discover Bank Credit Card Account was removed from my XXXX report. However, it 's still showing up on XXXX and XXXX. This is not my account, and it seems like XXXX has proven this. |
Improper contact or sharing of info | Each of the reasons listed above have occurred on multiple occasions. Vial, nasty curse words have been directed to me. I have been cursed out at work, threatened and harassed on multiple occasions. Additionally, I was not served by a " process server '' notifying me of a court date and a judgement was entered against me. Documentation presented to the court indicates I " was '' served but during the time indicated on the service notification I was out of town. |
Problem with a credit reporting company's investigation into an existing problem | I am attaching the letter that I sent to Equifax, XXXX XXXX XXXXXXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet. |
Incorrect information on credit report | Transunion keeping putting wrong information on my credit report. I have call and dispute this informatin over and over i have ask them to send me copy of the verification procedures they keep sending letter back saying the same thing over again they arent verifiy the information |
Application, originator, mortgage broker | Regions Mortgage company never provided me information during my closing on my credit score during time of closing. When I called Regions they said they can not provide me the score as this is Regions property and that I should have received this information with my closing documents but I never received this information XXXX I have all my documents from closing and nothing tells me what my score was at the time of closing. |
Problem with fraud alerts or security freezes | Equifax got hacked and still charged me XXXX dollars to put a freeze on my account even though it was their fault I needed to do this. |