Scams of online loan services without licenses

Hello Mr. Bobxy! Right now, I am having problems with online loan services, especially Argent Ayoum, which scams people with double interest rates and litigation fees when you don't repay on time. The downside is that they spy on you and exploit your data to advance threats and get more subscriptions through their unhealthy platforms. I was taking loans because I needed them, I was repaying normally, but gradually the interest fees increased, which was the last straw. So I decided to take one last loan as a way to recover the unjustified interest fees they charged me. Now, every day I receive calls, threats, and even my family already doubts me! It's a feeling that annoys and dishonors me!