Cottonwood Financial Ltd. Consumer Loan Complaint

Cottonwood Financial Ltd. Consumer Loan department,

Installment loan Managing the loan or lease Texas

I RECENTLY TOOK OUT AN INSTALLMENT LOAN FOR $400.00. THE APR IS 581.71 % AND THE FINANCE CHARGE IS $770.00 LEAVING MY TOTAL PAY BACK AT $1100.00. I KNOW I AM RESPONSIBLE TO PAY MY LOAN BACK BUT THIS IS RIDICULOUS. I WILL BE PAYING ON THIS LOAN UNTIL - 2017 UNLESS I COME UP WITH IT ALL IN ONE LUMP SUM WHICH I CA N'T AFFORD EITHER BECAUSE THERE IS ALWAYS SOME LARGE PAYMENT I HAVE TO PAY OUT OF EACH CHECK, LIKE MY RENT OR CAR PAYMENT. I AM A SINGLE MOM AND NEEDED THIS TO HELP COVER MY RENT AS I HAD TO HAVE - AND WAS OFF WORK FOR AWHILE AND I DEPEND ON OVERTIME TO HELP MAKE ENDS MEET. THIS IS TAKING FROM MY HOUSEHOLD EVERY TWO WEEKS AND I KNOW I WILL NOT BE ABLE TO KEEP THIS UP UNTIL - 2017 AS ME AND MY KIDS STILL HAVE TO LIVE DAY TO DAY. THIS IS A RIP OFF IN MY OPINION AND PUTS POOR PEOPLE LIKE MYSELF THAT ARE LIVING PAYCHECK TO PAYCHECK IN A VERY TOUGH POSITION. PLEASE HELP!