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An error in your credit report? Complain to the feds

A mistake in your credit report can have serious consequences. It can hurt your ability to get a credit card, qualify for a loan, rent an apartment or even be hired for a job.
Find an error in your file and you want it corrected – quickly. But that doesn’t always happen. What do you do then? Complain to the Consumer Financial Protection Bureau (CFPB).

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Blog Post | Consumer Protection

Retailers appeal swipe fee settlement with Visa/Mastercard | Ed Mierzwinski

Yesterday, big retailers filed an appeal of last month's announced final settlement order in an antitrust case involving price-fixing by Visa and Mastercard. PIRG backs the merchants because non-negotiable swipe fees force all consumers, including cash customers, to pay more at the store and more at the pump.

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Blog Post | Financial Reform

CFPB Gets Results for Consumers In December | Ed Mierzwinski

It's been a good month for consumers and a bad month for corporate crime, as the CFPB continued to hold financial firms accountable for unfair marketplace practices. Let's hope that in the New Year, banks and other financial companies get the message that cheating their customers is a bad business model.

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Media Hit | Financial Reform

Target Says 40 million credit, debt cards may have been compromised...

Hackers gained access to as many as 40 million credit and debit cards used by customers of Target during the height of the holiday shopping season, the company reported Thursday, in one of the biggest data breaches in history. [ALSO SEE LINK AT END OF CLIP TO U.S. PIRG NEWS RELEASE WITH CONSUMER TIPS.]

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News Release | U.S. PIRG | Financial Reform

Groups Offer Consumer Tips After Target Data Breach

We joined other leading groups to issue consumer tips after the big retailer Target had 40 million credit and debit card numbers stolen. Our main message: Don't panic. Don't pay for over-priced credit monitoring. Do check your checking and credit card accounts regularly and get your free credit reports provided by law.

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Media Hit | Higher Ed

New York Times: Student Loan Rate Set to Rise, Despite Lack of Support

“Higher education loans are meant to subsidize the cost of higher education, not profit from them, especially at a time when students are facing record debt,” said Ethan Senack, the higher education advocate at the United States Public Interest Research Group.

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

CFPB Ends Kickbacks by Mortgage Insurers

U.S. PIRG applauds CFPB’s enforcement action, including over $15 million in total penalties, against four mortgage insurers to end the practice of giving kickbacks to mortgage companies to get their business.

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News Release | U.S. PIRG | Budget, Tax

Offshore Tax Havens Cost Average Taxpayer $1,026 a Year, Small Businesses $3,067

With Tax Day approaching, it’s a good time to be reminded of where our tax dollars are going. U.S. PIRG released a new study which revealed that the average taxpayer in 2012 would have to shoulder an extra $1,026 in taxes to make up for the revenue lost due to the use of offshore tax havens by corporations and wealthy individuals. The report also found that the average small business would have to pay $3,067 to cover the cost of offshore tax dodging by large corporations.

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News Release | U.S. PIRG | Transportation

Consider ASCE Report Card in Light of Stimulus Repairs and Reduced Driving

Statement by Phineas Baxandall, U.S. PIRG Senior Analyst, explaining how reactions American Society of Civil Engineers (ASCE) report card for America’s infrastructure should be interpreted in light of: (1) the short-term federal assistance from stimulus funds that have since expired; and (2) a persistent trend by Americans toward driving less.

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News Release | U.S. PIRG | Higher Ed

Don’t Double Student Loan Interest Rates

Today, college student leaders from Kent State University, Florida International University, together with Sarita Brown, president of Excelencia in Education, and Ethan Senack from the U.S. Public Interest Research Group, called on federal lawmakers to keep student loan interest rates from doubling. On Wednesday, the House Education and Workforce committee will debate the costs and benefits of the federal student loan program, including student loan interest rates.

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Report | U.S. PIRG | Consumer Protection

The Credit Card Trap

The state PIRGs conducted two surveys for this report. In a survey of 100 credit card offers during the summer of 2000, the state PIRGs found two major themes: (1) credit card terms and conditions are becoming less favorable to consumers; and (2) credit card marketing practices are misleading and deceptive. In an on-campus survey of college students, conducted during the current school year, the state PIRGs found that the marketing of credit cards to college students is too aggressive.

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Report | U.S. PIRG | Consumer Protection

Double ATM Fees, Triple Trouble

This PIRG national survey, done in March 2001, compares surcharging and other ATM fee practices at 333 banks and 43 credit unions to the results of six previous PIRG ATM surveys and reports since national surcharging began.

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Report | U.S. PIRG | Higher Ed

Big Loans, Bigger Problems

At the same time that we demand a college education, most students have little option but to take out loans to pay for it. Grants are not keeping pace with the rising cost of higher education, and students are becoming increasingly dependent on loans to pay for college. Students who make the important investment in higher education are graduating with alarming levels of debt.

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Report | U.S. PIRG Education Fund | Financial Reform

Halfway to the CFPB

The CFPB Implementation Team staff are making significant progress in their efforts to both build an effective agency and be ready to perform required functions by the transfer date (July 21, 2011).

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

Trouble In Toyland 2000

This 2000 Trouble In Toyland report is the fifteenth annual PIRG toy safety survey. PIRG uses results from its survey to educate parents about toy hazards and to advocate passage of stronger laws and regulations to protect children from toy hazards. 

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Blog Post | Consumer Protection

Should Facebook And Google Be Regulated As Credit Bureaus? | Ed Mierzwinski

In a series of joint privacy petitions to the Federal Trade Commission beginning in 2006 and extended more recently to include behavioral targeting, as well as medical and mobile marketing, U.S. PIRG and the Center for Digital Democracy (sometimes with allies) have argued for greater scrutiny and regulation of the online digital marketing and behavioral targeting ecosystem that involves companies you do business with, social networking tools, third-party advertisers and other players. Today, in the New York Times, Professor Lori Andrews says that "Facebook is Using You."

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Blog Post | Consumer Protection

Some Consumer News of the Week, In Case You Missed It | Ed Mierzwinski

It's hard to keep up, so here are some key consumer news stories I am following that you may have missed this week. We start with CALPIRG Education Fund's new "Cell Phone Guide," look at the Consumer Federation of America's report on auto insurance discrimination and take you all the way to the NYPIRG Straphangers Campaign survey on what's "good, bad and ugly (rats!)" in NYC subway stations.

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Blog Post | Public Health

Toxic Toys Found at Houston Port | Nasima Hossain

An article published in the Houston Chronicle on Monday, January 23rd, revealed that 25,000 children’s toys have been confiscated at the Port of Houston in the past two years, because the U.S. Consumer Product Safety Commission found them to be unsafe.

 

 

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Blog Post | Financial Reform

CFPB's Cordray to Highlight Achievements/Goals Today In Senate | Ed Mierzwinski

The Senate Banking Committee will hold an oversight hearing today at 10 am (live video) on the Consumer Financial Protection Bureau's semi-annual report to Congress. The witness will be CFPB director Rich Cordray, who received a PIRG-backed recess appointment from the President on January 4th. Expect some CFPB opponents on the committee to boycott; others to show up.

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Blog Post | Consumer Protection

Watch for fake 5.0 user ratings on merchant sites; and watch out for efforts by doctors, others to block real ratings, too | Ed Mierzwinski

Some user reviews on the Internet are written by sockpuppets paid by the website; in other cases, consumers are given inducements to write good reviews (New York Times). Meanwhile, doctors, especially, are trying to use copyright law to "squelch" valid reviews from patients (Washington Post). Either way, watch out.

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Priority Action

The overuse of antibiotics on factory farms is threatening these lifesaving medicines. Call on big restaurants to do their part and stop buying meat raised with critical antibiotics.

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