Consumer Tips

PROTECTING YOURSELF IN A COMPLEX MARKETPLACE — Our researchers and attorneys provide key tips for how you can get the best deal on health insurance, 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 OSPIRG Foundation 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

News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay

Leading Groups Send Criteria for Evaluating VW Settlement

Four leading consumer, environmental, and public health organizations wrote an open letter in advance of the April 21st deadline set by U.S. District Judge Charles R. Breyer for a proposal that deals with Volkswagen’s emission scandal.

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Report | OSPIRG Foundation | Consumer Protection

TROUBLE IN TOYLAND 2015

Dangerous or toxic toys can still be found on America’s store shelves, according to OSPIRG Foundation’s 30th annual Trouble in Toyland report. The survey of potentially hazardous toys found that, despite recent progress, consumers must still be wary when shopping this holiday season.

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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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News Release | OSPIRG Foundation | Consumer Protection

Report: In Oregon, Equifax Gets Big Complaints

A new report by OSPIRG Foundation found that the most complained-about credit reporting agency in Oregon is Equifax, and that Oregon ranks 18th nationally in credit report complaints per 100,000 residents.

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News Release | OSPIRG Foundation | Consumer Protection

Report: Wells Fargo Tops Consumer Complaint List

Thousands of Americans are using the Consumer Financial Protection Bureau’s public Consumer Complaints Database to settle disputes with their banks, according to a new report from the OSPIRG Foundation. The report highlights banks that generated the most complaints through their various banking services in each state.

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How Safe our Kids Toys

Holiday shopping is just around the corner and parents should know which toys are safe for their children.

The Oregon State Public Interest Research Group (OSPIRG) conducted their annual toy safety survey and discovered that many toys on the market still pose safety hazards to children.

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Dangerous Toy List Offers Gift-Giving Warnings

BEND, Ore. -- As the Black Friday shopping rush nears, officially starting the holiday gift-giving season, there's a new list of toys out that some say should be blacklisted.

"Over the last 26 years, this report has lead to at least 150 recalls," said OSPIRG associate Matthew Orchant said Tuesday in Bend

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Report | OSPIRG Foundation | Consumer Protection

Debt Collectors, Debt Complaints

This is the fifth in a series of reports that review complaints to the CFPB nationally and on a state-by-state level. In this report we explore consumer complaints about debt collection, with the aim of uncovering patterns in the problems consumers are experiencing with debt collectors and documenting the role of the CFPB in helping consumers successfully resolve their complaints.

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Report | OSPIRG Foundation | Consumer Protection

Big Credit Bureaus, Big Mistakes

This report is the third of several that review complaints to the Consumer Financial Protection Bureau. In this report, we explore the consumer complaints about credit bureaus with the aim of uncovering patterns in the problems consumers are experiencing with credit reporting.

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Report | OSPIRG Foundation | Consumer Protection

Big Banks, Big Complaints

This report reviews consumer complaints made to the CFPB nationally and on a state-by-state basis. We explore consumer complaints about bank accounts and services with the aim of uncovering patterns in the problems consumers are experiencing with their banks.

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Report | OSPIRG | Consumer Protection

Trouble in Toyland

The 2012 Trouble in Toyland report is the 27th annual OSPIRG survey of toy safety. In this report, OSPIRG 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.

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Big Banks, Bigger Fees

Since Congress largely deregulated consumer deposit (checking and savings) accounts beginning in the early 1980s, the PIRGs have tracked bank deposit account fee changes and documented the banks’ long-term strategy to raise fees, invent new fees and make it harder to avoid fees. 

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