I would like to report a lender ; CASHCALL INC. I took this loan in XX/XX/XXXX and they approved me for {$5000.00} when I originally only asked for {$2500.00}. They told me I could refund the rest of the money once I was approved. Then they made it extremely difficult for me to simply return the rest of the money ( I spoke with multiple representatives telling me different specifications ) that I ended up keeping it. Since then, I continued paying but I never saw the balance going down until I lost my job in XX/XX/XXXX and they are not willing to work with me in lowering the payment. They keep harassing me with the phone calls and offered to settle the debt for very high amount. I never noticed the interest rate was high or the terms of the contract. According to a recent letter, they send me, I still have XXXX payments left to meet the terms of their contract in the amount of {$370.00} each, which totals {$33000.00}. Finally, they charged off this account in XX/XX/XXXX and this is damaging my credit. They are now demanding to settle this account for a steep lump sum of money, which I do n't have. 
