Running into trouble with your Equifax claim? Others are in the same boat, prompting advice from federal officials and media outlets alike. To recap, Equifax agreed to an initial $380.5 million settlement after failing to protect itself from a huge 2017 data hack. Now consumers affected by the snafu are encouraged to use this tool to apply for either a one-time $125 cash payment or 10 years of free credit monitoring. Those who endured heavy losses can also apply for a cash payment of up to $20,000, and people can seek $25 per hour for up to 20 hours to compensate for their time dealing with the breach and its consequences. But users of the tool are running into problems, USA Today reports. A rundown of what's happening and what to do: