{"quotes":[{"pull_quote":"Good day,\r\n\r\nI would like to formally file a complaint against the online lending application operating under the name CrediMint.\r\n\r\nI only completed an application, but funds were automatically disbursed to my account without proper clarif","context":"Harassment or threats by collector","stats":{"damages_php":3600.0,"submitted_at":"2026-05-16T07:19:19.891417+00:00"},"source":"Complaint filing · other","topic":"Harassment or threats by collector"},{"pull_quote":"The repo guy showed up at 7am. No court order, no notice — they killed the engine the night before through the GPS box.","context":"Tricycle financed via GMS-tagged lender; remote disable preceded repossession.","stats":{"damages_php":65000.0,"submitted_at":""},"source":"Composite of 3 corroborated complaints (GPS kill-switch)","topic":"gps_kill_switch"},{"pull_quote":"I sent ₱8,000 to my mom in Cotabato. They charged ₱600 and the FX was 2 pesos worse than the bank.","context":"OFW remittance corridor — Saudi to PH branch payout.","stats":{"damages_php":740.0,"submitted_at":""},"source":"Composite of 5 remittance receipts (M Lhuillier corridor data)","topic":"pawnshop_overcharge"},{"pull_quote":"The app drained my contacts and texted everyone in my phonebook saying I was a scammer.","context":"Online lending app permission abuse; debt-shaming via SMS.","stats":{"damages_php":0.0,"submitted_at":""},"source":"Composite — pattern matches SEC MC 18-2019 violations","topic":"online_lending_apps"},{"pull_quote":"They asked for selfie + ID + phonebook + photos. I just wanted ₱2,000 for medicine.","context":"Online loan app — required Manifest permissions that violate SEC MC 18.","stats":{"damages_php":2000.0,"submitted_at":""},"source":"Composite (online lending apps, permission abuse)","topic":"online_lending_apps"},{"pull_quote":"Interest was 0.8% per day. Nobody told me that's almost 300% APR.","context":"Sari-sari microloan — TILA disclosure absent.","stats":{"damages_php":4500.0,"submitted_at":""},"source":"Composite (predatory lending, TILA RA 3765)","topic":"predatory_lending"},{"pull_quote":"Pawn appraisal was ₱4,000. Same item across the street: ₱9,000.","context":"Pawnshop appraisal disparity for identical 18k gold ring.","stats":{"damages_php":5000.0,"submitted_at":""},"source":"Composite (pawnshop overcharge / under-appraisal)","topic":"pawnshop_overcharge"},{"pull_quote":"They told me the engine cut-off 'is for my safety.' I was on EDSA when it died.","context":"Remote engine disable on financed motorcycle while in motion.","stats":{"damages_php":0.0,"submitted_at":""},"source":"Composite — pattern of unsafe remote disabling","topic":"gps_kill_switch"},{"pull_quote":"I asked for the data they had on me. They said it 'belongs to the company.'","context":"RA 10173 (DPA) data-subject access request denied.","stats":{"damages_php":0.0,"submitted_at":""},"source":"Composite — DPA Section 16 access-rights violation","topic":"data_privacy"},{"pull_quote":"Daily collector called my boss. I lost my job before I lost the loan.","context":"Workplace contact harassment by collector — SEC MC 18 violation.","stats":{"damages_php":28000.0,"submitted_at":""},"source":"Composite (online lending apps, harassment)","topic":"online_lending_apps"},{"pull_quote":"They added 'processing fee' that wasn't in the contract. Refused to itemize.","context":"Undisclosed fees in loan disbursement — TILA violation.","stats":{"damages_php":1200.0,"submitted_at":""},"source":"Composite (predatory lending, undisclosed fees)","topic":"predatory_lending"},{"pull_quote":"Three pawn extensions in, the interest exceeded the loan principal.","context":"Pawnshop renewal mechanics with compounding service charges.","stats":{"damages_php":3500.0,"submitted_at":""},"source":"Composite (pawnshop overcharge)","topic":"pawnshop_overcharge"},{"pull_quote":"The GPS unit kept charging the battery flat. Repairs cost more than 2 months of payments.","context":"Hardware burden imposed by mandatory MCCS GPS device.","stats":{"damages_php":6500.0,"submitted_at":""},"source":"Composite (GPS kill-switch hardware burden)","topic":"gps_kill_switch"},{"pull_quote":"I scrolled through the contract on a phone screen for 30 seconds and signed. They never gave me a copy.","context":"Loan contract not provided to borrower — RA 3765 violation.","stats":{"damages_php":12000.0,"submitted_at":""},"source":"Composite (predatory lending, contract delivery)","topic":"predatory_lending"},{"pull_quote":"The app uploaded my gallery photos. I still don't know where they went.","context":"Lending app harvested storage media — DPA + SEC MC 18.","stats":{"damages_php":0.0,"submitted_at":""},"source":"Composite (data privacy, online lending apps)","topic":"data_privacy"},{"pull_quote":"Branch manager said 'sorry, system rate.' I went next door — different company, ₱3 better per dollar.","context":"FX rate gap on remittance corridor between competing networks.","stats":{"damages_php":1100.0,"submitted_at":""},"source":"Composite (remittance / pawnshop FX gap)","topic":"pawnshop_overcharge"},{"pull_quote":"I asked for an itemized statement. They handed me a Post-it with one number on it.","context":"Loan provider refuses to provide itemized fees / TILA non-compliance.","stats":{"damages_php":850.0,"submitted_at":""},"source":"Composite (predatory lending, fee opacity)","topic":"predatory_lending"},{"pull_quote":"They messaged my mom in the province asking her to 'pay for my shame.'","context":"Online lending app contacted family member as collection pressure.","stats":{"damages_php":0.0,"submitted_at":""},"source":"Composite (online lending apps, family harassment)","topic":"online_lending_apps"},{"pull_quote":"Engine cut at 2am while parked. I had to wait 8 hours for support to come online.","context":"Off-hours kill-switch with no available customer service.","stats":{"damages_php":1800.0,"submitted_at":""},"source":"Composite (GPS kill-switch off-hours)","topic":"gps_kill_switch"},{"pull_quote":"The privacy policy was 11 pages of English. The contract was 2 pages of Tagalog. They were inconsistent.","context":"Bilingual policy/contract inconsistency — DPA + Consumer Act.","stats":{"damages_php":0.0,"submitted_at":""},"source":"Composite (data privacy / consumer disclosure)","topic":"data_privacy"}],"redaction":"lib.pii_redactor.redact_strict — honorific + first-name + long-digit + plate + email blanking","license":"Free to quote with attribution to LabanPH. Anonymized excerpts; do not attempt to re-identify."}