What should one do when they have become a victim of predatory lending by a financial loan company?

I received a $4000 loan thru Springleaf Financial. I accepted a 36 month term $197 monthly payment. Nine months later they combined the loan giving me the amount of $1500. I accepted same terms as previous. 36 m0nth term $260. monthly payment. I have never been late or missed a payment. I was checking monitoring of credit report and found a 123 point drop in my credit score. It was due to the extreme rise of total of debt being reported. Springleaf loan balance reported was $12,574. I called them they said that was right but if I paid more each month it would be less. I went in and had the girl pull copies of both loans. I was charged involuntary insurance twice $1173. and $2031. plus interest on both computed into payments It was a 48 month loan term not 36 as I had agreed. I was charged with two life insurance premiums but different companies. They have lied on every thing. I have complained to the home office and there is nothing they will change or do! I am still making payment