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

News Release | Arizona PIRG Education Fund | Consumer Protection

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> Keep Reading
News Release | Maryland PIRG Foundation and Ecology Center | Public Health, Consumer Protection

New Study Reveals Toxic Chemicals in Most Children’s Car Seats

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Report | Maryland PIRG Foundation and Ecology Center | Public Health, Consumer Protection

Hidden Hazards

The Ecology Center's has released test results and product ratings in their 2018 report, Hidden Hazards: Flame Retardants & PFAS in Children's Car Seats. 

> Keep Reading
Report | Maryland PIRG Foundation | Public Health, Consumer Protection

Trouble in Toyland

For over 30 years, Maryland PIRG Foundation has conducted an annual survey of toys to look for safety problems. This research has led to more than 150 toy recalls and other regulatory actions over the years. Our work has also helped educate the public and policymakers on the need for continued action to protect the health and well-being of children. 

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News Release | Maryland PIRG Foundation | Public Health, Consumer Protection

33rd annual Trouble in Toyland

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> Keep Reading

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News Release | Arizona PIRG Education Fund | Consumer Protection

Dozens of Tucson Business Owners Encourage the Arizona Corporation Commission to Increase Investments in Energy Efficiency

With just days before the Arizona Corporation Commission is expected to vote on Tucson Electric Power’s Demand-Side Management Plan, dozens of Tucson business owners encouraged the Commission to increase investment in energy efficiency. The Arizona PIRG Education Fund and the Southwest Energy Efficiency Project, who have been speaking with business owners across Tucson, are hopeful the Commission will vote to restore and increase energy efficiency funding for TEP ratepayers at their upcoming meeting.

> Keep Reading
News Release | Maryland PIRG Foundation and Ecology Center | Public Health, Consumer Protection

New Study Reveals Toxic Chemicals in Most Children’s Car Seats

 Today, Maryland PIRG Foundation released a new report from the Ecology Center’s Healthy Stuff program: Hidden Hazards: Flame Retardants and PFAS in Children’s Car Seats. 

> Keep Reading
News Release | Maryland PIRG Foundation | Public Health, Consumer Protection

33rd annual Trouble in Toyland

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

U.S. PIRG response to reports of Facebook security breach

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News Release | Maryland PIRG Foundation | Consumer Protection

Maryland PIRG Recommends Credit Freezes, Now Free for All By Law

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Pages

Report | Maryland PIRG Foundation and Ecology Center | Public Health, Consumer Protection

Hidden Hazards

The Ecology Center's has released test results and product ratings in their 2018 report, Hidden Hazards: Flame Retardants & PFAS in Children's Car Seats. 

> Keep Reading
Report | Maryland PIRG Foundation | Public Health, Consumer Protection

Trouble in Toyland

For over 30 years, Maryland PIRG Foundation has conducted an annual survey of toys to look for safety problems. This research has led to more than 150 toy recalls and other regulatory actions over the years. Our work has also helped educate the public and policymakers on the need for continued action to protect the health and well-being of children. 

> Keep Reading
Report | Maryland PIRG Foundation | Consumer Protection

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

Trouble in Toyland 2017

For over 30 years, U.S. PIRG Education Fund has conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children.

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

Lead In Fidget Spinners

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Blog Post | Consumer Protection

ID Theft & Privacy Checklists | Mike Litt

Today, we're releasing our revamped Identity Theft and Online Privacy resources.

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Blog Post | Consumer Protection

Consumer Tips and FAQ about the Equifax Breach | Mike Litt

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Blog Post | Consumer Protection

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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

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Blog Post | Public Health, Consumer Protection

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