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.

The Best Ways to Protect Yourself

Being a consumer in today’s marketplace can be tough. Financial decisions in particular often require navigating a torrent of misleading advertisements and pages of jargon-filled small print. Even the simplest choices — everyday financial decisions like opening a credit card, creating a bank account, applying for a loan, or sorting through cell phone contracts — can take time, energy and knowledge that too many of us don’t have.
   
Many financial institutions don’t set out to make it easier for their customers:

  • 1 out of every 20 Americans — millions of consumers — have errors on their credit reports significant enough to raise their rate on loans.
  • Financing cars through dealerships costs consumers more than $25.8 billion in additional hidden interest.
  • From 2005 to 2010, identity theft rose by 33%. In 2012, an estimated 12.6 million Americans became victims. That is 1 victim every 3 seconds. 
  • Banks made around $11 billion in overdraft fees in 2015, fees they pitched as “overdraft protection” but actually cost consumers more.

Despite these practices, there are ways to protect yourself. We want to help. This is why we’ve created the following tip sheets based on common complaints to the Consumer Financial Protection Bureau and the Federal Trade Commission. Read on. Protect yourself from becoming a statistic.

File a complaint if you have a problem

For all sorts of everyday consumer problems, there are government resources that can help. Federal agencies like the Consumer Financial Protection Bureau and Consumer Product Safety Commission exist to protect us from unfair or dangerous products. Submitting complaints to government agencies can help resolve your problem AND it helps these agencies hold companies accountable for unfair practices. For more information, consult our tip sheet on the subject, which includes information on how to contact the CFPB with financial complaints, the CPSC with toy and other product safety complaints, the NHTSA with car safety complaints, and DOT with air travel complaints: How to File a Consumer Complaint and Use Government Databases.

Keeping Track of Your Money:

Credit Reports, Credit Scores, and Identity Theft:

Common Consumer Problems:

Please 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

Blog Post | Consumer Protection

Webinar Wednesday: Why consumers don't often get a fair price or effective prescription drug | Ed Mierzwinski

We're co-sponsoring a zoom webinar Wednesday, June 24, at noon ET on two ways consumers and patients are harmed by drug industry price manipulation and lack of competive restraints. Consumers don't get a fair price and don't always get an effective drug. Find out how to register for the "Rebate Walls and Step Therapy" event featuring leading experts. 

> Keep Reading
Blog Post | Consumer Protection

Not worth the risk: It's time to get talc out of all cosmetics, not just baby powder | Danielle Melgar

Johnson & Johnson will end the sale of talc-based baby powders--which can be contaminated with asbestos--in the United States and Canada. That’s a big win for consumers, but it’s not enough.

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

Americans need stronger consumer protections during COVID-19 crisis

U.S. PIRG Education Fund has released a report with the Student Borrower Protection Center and Consumer Action. The report makes recommendations to the Consumer Financial Protection Bureau (CFPB) to upgrade its consumer complaint tool, including the public consumer complaint database, so COVID19-related complaints can be handled more quickly and tracked better.

> Keep Reading
Blog Post | Consumer Tips, COVID-19, Public Health, Consumer Protection

Stimulus check plans, finding hand sanitizer, and avoiding scams during coronavirus | Grace Brombach

Each week, we’ll be posting a round-up of short stories from across our network from staff experiencing various COVID-related issues, and what they did about them.

> Keep Reading

Pages

News Release | U.S. PIRG Education Fund | Consumer Protection

Americans need stronger consumer protections during COVID-19 crisis

U.S. PIRG Education Fund has released a report with the Student Borrower Protection Center and Consumer Action. The report makes recommendations to the Consumer Financial Protection Bureau (CFPB) to upgrade its consumer complaint tool, including the public consumer complaint database, so COVID19-related complaints can be handled more quickly and tracked better.

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

Coronavirus worry triggers most surgical mask, sanitizer prices to spike at least 50% on Amazon

As the Coronvirus outbreak became more widespread, the price of most of the sanitizers and masks rose at least 50 percent higher than the 90-day average. Even one in six products sold directly by Amazon saw prices rise at least 50 percent higher in February

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News Release | U.S. PIRG Education Fund | Consumer Protection

Trader Joe's jumps to top of food recall notification rankings

Following the release last month of U.S. PIRG’s Education Fund’s Food Recall Failure report, which rated 26 top grocery store chains on their transparency about food recalls, Trader Joe's provided new survey answers and clarified where that information lives online and in its stores.

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

New investigation: Supermarkets failing to warn public about food recalls

Americans are not hearing about food recalls, and that communication breakdown is having serious repercussions for public health. A new report finds that most grocery stores -- which should be one of the best places to learn about recalls -- don’t make it easy for consumers to uncover this information.

> Keep Reading

Pages

Report | U.S. PIRG Education Fund | Consumer Protection, Food

Food Recall Failure

Our research found the majority of grocery stores fail to warn the public about hazardous food recalls. While they collect significant information about Americans shopping habits to sell us more food, they aren't doing enough to use that information to protect the public health.

> Keep Reading
Report | Environment America Research & Policy Center and U.S. PIRG Education Fund | Consumer Protection

Electric Buildings

To prevent air and water pollution and the worst impacts of global warming, America must move toward meeting its energy needs with 100 percent renewable energy. Getting there will require that we get the most out of every bit of energy we use – and that we end the burning of fossil fuels in our homes and commercial buildings.

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Report | U.S. PIRG Education Fund and Consumers for Auto Reliability And Safety (CARS) Foundation | Consumer Protection

Unsafe used cars for sale

AutoNation, which bills itself as “America’s Largest Auto Retailer,” is selling recalled used vehicles that contain dangerous safety defects. In a survey of over 2,400 used vehicles for sale at 28 AutoNation locations, 1 in 9 were found to have unrepaired safety recalls.

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Report | U.S.PIRG Education Fund and Kids In Danger | Consumer Protection

Recalled Infant Sleepers

Every day, millions of kids are dropped off at child care facilities across the country by parents and caretakers who are looking forward to seeing them safe and sound at the end of the day. But new research found some dangerous recalled products are still in use at child care facilities across the country.

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

You're Not Alone

While the Consumer Financial Protection Bureau’s new director entertains removing its consumer complaint database from public view, that website feature is proving its worth. The CFPB published a record 257,000 consumer complaints in 2018, according to a new report by U.S. PIRG Education Fund.

> Keep Reading

Pages

Blog Post | Consumer Protection

Webinar Wednesday: Why consumers don't often get a fair price or effective prescription drug | Ed Mierzwinski

We're co-sponsoring a zoom webinar Wednesday, June 24, at noon ET on two ways consumers and patients are harmed by drug industry price manipulation and lack of competive restraints. Consumers don't get a fair price and don't always get an effective drug. Find out how to register for the "Rebate Walls and Step Therapy" event featuring leading experts. 

> Keep Reading
Blog Post | Consumer Protection

Not worth the risk: It's time to get talc out of all cosmetics, not just baby powder | Danielle Melgar

Johnson & Johnson will end the sale of talc-based baby powders--which can be contaminated with asbestos--in the United States and Canada. That’s a big win for consumers, but it’s not enough.

> Keep Reading
Blog Post | Consumer Tips, COVID-19, Public Health, Consumer Protection

Stimulus check plans, finding hand sanitizer, and avoiding scams during coronavirus | Grace Brombach

Each week, we’ll be posting a round-up of short stories from across our network from staff experiencing various COVID-related issues, and what they did about them.

> Keep Reading
Blog Post | Consumer Protection

AutoNation: Stop selling recalled used cars, don’t spam | Adam Garber

When our new report revealed every single one of the 28 AutoNation dealerships we surveyed across the country was selling a recalled car with a dangerous safety defect you’d hope their response would be: “we’re on it.” It wasn't.

> Keep Reading
Blog Post | Consumer Protection

U.S. PIRG Consumer Campaign Director Testifies at Congressional Hearing on Data Security | Mike Litt

U.S. PIRG's Consumer Campaign Director, Mike Litt, was invited to testify at a Congressional hearing yesterday about improving data security at the credit bureaus. Here are his opening remarks. 

> Keep Reading

Pages

Blog Post

We're co-sponsoring a zoom webinar Wednesday, June 24, at noon ET on two ways consumers and patients are harmed by drug industry price manipulation and lack of competive restraints. Consumers don't get a fair price and don't always get an effective drug. Find out how to register for the "Rebate Walls and Step Therapy" event featuring leading experts. 

Blog Post

Johnson & Johnson will end the sale of talc-based baby powders--which can be contaminated with asbestos--in the United States and Canada. That’s a big win for consumers, but it’s not enough.

News Release | U.S. PIRG Education Fund

U.S. PIRG Education Fund has released a report with the Student Borrower Protection Center and Consumer Action. The report makes recommendations to the Consumer Financial Protection Bureau (CFPB) to upgrade its consumer complaint tool, including the public consumer complaint database, so COVID19-related complaints can be handled more quickly and tracked better.

Blog Post

Each week, we’ll be posting a round-up of short stories from across our network from staff experiencing various COVID-related issues, and what they did about them.

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