Consumer Tips

PROTECTING YOURSELF IN A COMPLEX MARKETPLACE — Our researchers and attorneys provide key tips for how you can shop for the best bank, get the best car loan, protect against identity theft and more.

Protect Yourself

In today's marketplace, it takes a savvy, informed consumer to avoid common pitfalls and threats. Financial decisions in particular require assessing a blizzard of advertisements and navigating pages of jargon-laden fine print to make decisions about credit cards, bank accounts, loans, health insurance, and cell phone contracts, among other things.

It’s more important than ever to protect yourself:

  • Consumers who finance their cars through a dealership pay more than $25.8 billion in additional hidden interest over the lives of their loans.
  • In 2010, more than 8 million households were victims of identity theft, a 33 percent rise since 2005.
  • One out of 20 consumers has errors on their credit report significant enough to lead to higher rates on loans.
  • Banks made around $30 billion in overdraft fees in 2011. Adding insult to injury, these fees were pitched as “overdraft protection,” which most consumers would be better off without.

That's why the U.S. PIRG Education Fund has compiled recommendations and resources for consumers. Our tip sheets address some of the most common complaints received by the Federal Trade Commission—read on, and protect yourself from becoming a statistic.

 
Note that these tips are not intended as, nor should they be construed as, legal advice. If you need legal advice dealing with a consumer problem, consult an attorney. 

Issue updates

An $18 Million Lesson in Handling Credit Report Errors

"Even after sending more than 13 letters to Equifax over the course of two years, Julie Miller could not get the big credit bureau to remove a host of errors that it inserted into her credit report. [...] So she tried suing. That worked. [...] “Big punitive penalties may help force the bureaus to upgrade their 20th-century algorithms and incompetent dispute reinvestigation processes,” said Ed Mierzwinski, consumer program director at the United States Public Interest Research Group. “But C.F.P.B.’s authority to supervise the big credit bureaus is one of the most significant powers Congress gave it.”

> Keep Reading
Blog Post | Consumer Protection

FTC to hotels: Nuisance add-on fees deceptive | Ed Mierzwinski

The FTC has warned 22 hotel chains that add-on fees, such as resort fees, may be deceptive. Meanwhile, air passenger groups are asking consumers to petition the White House to require that the Department of Transportation's FAA require full disclosure of airline fees.

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection

Survey Finds Dangerous Toys on Store Shelves

Dangerous or toxic toys can still be found on America’s store shelves, according to U.S. Public Interest Research Group’s 27th annual Trouble in Toyland report. It reveals the results of laboratory testing on toys for lead, cadmium and phthalates, all of which have been proven to have serious adverse health impacts on the development of young children. The survey also found small toys that pose a choking hazard, extremely loud toys that threaten children’s hearing, and toy magnets that can cause serious injury.

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

Trouble in Toyland 2012

The 2012 Trouble in Toyland report is the 27th annual U.S. Public Interest Research Group survey of toy safety. In this report, U.S. PIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards.

> Keep Reading
Blog Post | Consumer Protection

Bank fee report challenges conventional wisdom on fees | Ed Mierzwinski

Our latest Big Banks, Bigger Fees report, released today, finds that the conventional wisdom that "free checking is dead" is false. Find out more.

> Keep Reading

Pages

News Release | US PIRG

Representatives of several leading U.S. consumer and traveler groups today met with U.S. Department of Transportation (DOT) Secretary Pete Buttigieg to urge action on the most pressing consumer protection priorities affecting consumers flying commercial airlines. It was the first time representatives of consumer groups were granted a meeting with a U.S. Secretary of Transportation in nearly five years.

Report | U.S. PIRG Education Fund

This report recaps the Consumer Financial Protection Bureau’s results for consumers over the past 10 years, the steps taken to return the CFPB back to its mission after three years of retrograde decisions under the Trump Administration, and our recommendations for CFPB action moving forward.

News Release | U.S. PIRG Education Fund

As the Consumer Financial Protection Bureau (CFPB) turns 10 years old, a new report from the U.S. PIRG Education Fund recaps how the agency has helped consumers over the past decade and the steps under way to refocus the CFPB on its mission after three years of retrograde decisions under the Trump Administration.

News Release | US PIRG

Johnson & Johnson Consumer Inc. said Wednesday it’s voluntarily recalling all lots of five types of Neutrogena and Aveeno aerosol sunscreen after internal testing showed “low levels of benzene” -- which can cause cancer -- in some samples. J&J also said consumers should stop using the sunscreen.

News Release | US PIRG

Johnson & Johnson Consumer Inc. said Wednesday it’s voluntarily recalling all lots of five types of Neutrogena and Aveeno aerosol sunscreen after internal testing showed “low levels of benzene” -- which can cause cancer -- in some samples. J&J also said consumers should stop using the sunscreen.

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