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Report | WISPIRG Foundation | Financial Reform

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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News Release | WISPIRG Foundation | Financial Reform

Report: Mistaken Identity Tops Debt Collection Complaints

Debt collectors trying to collect debt from the wrong person were the top source of complaints to the Consumer Financial Protection Bureau (CFPB), according to a report released by the WISPIRG Foundation. The report also found that Wisconsin consumers are 40th most likely to file complaints to the CFPB about debt collection, and that debt collection is a top source of complaints.  The report is the final in a series of reports by the WISPIRG Foundation that analyze the complaints in the CFPB’s public Consumer Complaints Database. The CFPB began accepting complaints in July 2011 and now accepts complaints about most financial products and services. Although the CFPB only opened its doors to complaints about debt collection last July, complaints about debt collection have already outpaced those for common products such as credit cards and bank accounts, accounting for the second largest portion of complaints after mortgages between July and January.

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News Release | WISPIRG | Democracy

Citizens United Resolution Introduced in State Senate

State leaders in the Senate have introduced Senate Joint Resolution 68 (SJR68) that, if passed, would bring a statewide referendum to voters in November 2014 asking whether Wisconsin elected leaders should support a constitutional amendment overturning Citizens United.

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Report | WISPIRG | Tax

Closing the Billion Dollar Loophole

Every year, corporations use complicated gimmicks to shift U.S. earnings to subsidiaries in offshore tax havens – countries with minimal or no taxes – in order to reduce their state and federal income tax liability by billions of dollars. Tax haven abusers benefit from America’s markets, public infrastructure, educated workforce, security and rule of law – all supported in one way or another by tax dollars. But they use tax havens to escape supporting these public structures and benefits.

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News Release | WISPIRG Foundation | Tax

Wisconsin could save $27.6 million with simple, proven method to curb offshore tax dodging, new study finds

Wisconsin taxpayers could save $27.6 million from a simple reform to crack down on offshore tax dodging, according to “Closing The Billion-Dollar Loophole: How States Are Reclaiming Revenue Lost to Offshore Tax Havens,” a new report released by WISPIRG. The reform, which has already been proven effective in Montana and passed in Oregon, would require companies to treat profits booked to notorious tax havens as domestic taxable income.  The Legislative Fiscal Bureau estimates that this simple reform would increase state corporate income and franchise tax revenues by $28.8 million.

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News Release | WISPIRG Foundation | Food

Food Safety Scares 2013: How FDA Delays are Putting American Lives at Risk from Unsafe Food

Food and Drug Administration (FDA) delays in implementing the 2011 Food Safety Modernization Act have put Wisconsin lives at risk and cost the country $22 million in economic costs, according to a new report by U.S. PIRG Education Fund. Here in Wisconsin in the last 12 months, 34 people were made sick from foodborne illnesses and the cost in Wisconsin was $236,604. Contaminated food makes 48 million Americans sick every year.

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News Release | WISPIRG Foundation | Financial Reform

New Report Identifies Most Troublesome Private Lenders to Students

Thousands of American students are using the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database to settle disputes about private student loans, according to a new report from the WISPIRG Foundation. Sallie Mae, the student lending giant, generated the most private student loan complaints in Wisconsin, and ranked first in every other state. Student loan borrowers in Wisconsin carry $22,400 on average in total student loan debt.

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News Release | WISPIRG | Democracy

On Day of Oral Argument in McCutcheon V. FEC, Wisconsinites Gather to Push Back on Big Money in Politics, Demand Statewide Referendum

On October 8, the Money Out, Voters In coalition, representing thousands of Wisconsinites and 35 community organizations, gathered at State Capitol to push back on the power of big money in elections, as the U.S. Supreme Court today heard oral arguments in McCutcheon v. FEC. The grassroots movement of Wisconsinites is calling on the state legislature and Governor to give the people of Wisconsin a say in the future of our democracy and pass Assembly Joint Resolution 50 (AJR50), which would bring a statewide referendum to the people in November 2014, asking voters whether Wisconsin elected leaders should support a constitutional amendment overturning Citizens United.  Citizens United opened the floodgates to outside spending in elections.

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News Release | WISPIRG Foundation | Transportation

New Study Finds Technology Enabling Americans to Drive Less

In a first-of-its-kind study, WISPIRG compiled nation-wide evidence on transportation apps and vehicle sharing programs, like Madison Metro’s Bus Radar, Community Car and B-Cycle, and found that these advanced new tools have made it easier for Americans to drive less. Real-time apps and on-board wi-fi for public transit, as well as carsharing, bikesharing and ridesharing have spread rapidly in recent years. The report examines new evidence on how these practices are changing travel behavior.

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News Release | WISPIRG Foundation | Financial Reform

New Report Identifies Banks Consumers Complain About Most

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 WISPIRG Foundation. The report highlights banks that generated the most complaints through their various banking services in each state.

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Report | WISPIRG Foundation | Transportation

A New Way to Go

America is in the midst of a technological revolution … and a big shift in our transportation habits. Over the last 15 years, the Internet and mobile communications technologies have transformed the way Americans live and work. During that same period, growth in vehicle travel slowed and then stopped, with Americans today driving about as much on average as we did in 1996.

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Report | WISPIRG Foundation | Financial Reform

Big Banks, Big Complaints

The Consumer Financial Protection Bureau (CFPB) has created and made available to the public the Consumer Complaint Database. The database tracks complaints made by consumers to the CFPB and the responses of financial institutions to those complaints. The Consumer Complaint Database enables the CFPB to identify financial practices that threaten to harm consumers and enables the public to evaluate both the performance of the financial industry and of the CFPB.

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Report | WISPIRG | Food

Apples to Twinkies 2013

 
 

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Report | WISPIRG | Health Care

Top 20 Pay for Delay Drugs

Too often, consumers are forced to shoulder a heavy financial burden, or even go without needed medicine, due to the high cost of brand-name drugs. Our research indicates that one significant cause is the practice called “pay for delay,” which inflates the drug prices paid by tens of millions of Americans.
 

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Report | WISPIRG | Higher Ed

Issue Brief: Student Loan Debt in Wisconsin

If Congress fails to act, on July 1 the interest rate on subsidized Stafford student loans will double, from 3.4 percent to 6.8 percent. A 2007 college affordability plan lowered the rate, but expired in 2012. Last year, President Obama and Congress extended the low rate for one year.
 

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Blog Post | Consumer Protection

50 Years Ago This Week, JFK Ushered in Modern Consumer Protection Era | Ed Mierzwinski

People of almost any age know a lot about the Kennedy administration with its optimistic beginnings and its sudden, tragic end. Yet many have probably never heard of one of JFK's important legacies -- his declaration that consumers have rights that deserve protection.

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Blog Post | Transportation

US House Transportation Bill for the 19th Century, not the 21st CenturyBruce SpeightPhineas Baxandall

With much fanfare and 854 days late, the U.S. House last week introduced bills to fund our nation's transportation system for the next five years. The new rules for spending $260 billion over five years would be tilted more toward highways with less going to buses, rail, biking and pedestrian trails. Given the nation's urgent need to reduce our addiction to oil, that in itself would have been a tragedy.

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Blog Post | Financial Reform

President’s Recess Appointment Gives Watchdog Teeth It Needs To Protect Consumers From Wall Street or Payday Lender Financial ShenanigansBruce SpeightEd Mierzwinski

Kudos to President Obama for standing up for consumers this week by making a recess appointment of former Ohio Attorney General Richard Cordray to head the new Consumer Financial Protection Bureau. The President’s action means that the CFPB now has all its powers to protect the public from unfair financial practices, whether by banks or other financial firms, such as payday lenders and credit bureaus.

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