Carmel Financial reviews and complaints

I have been attempting to contact Carmel financial for approximately 5 months now. I contacted them in attempt to settle or pay debt. The number they company gave me is an answer machine. I ask for a statement of charges and it is ignored. I have never spoken to anyone. I call and an answer machine picks up. I have received an email in response with a "deal". The deal was more than the cost reflected in the prior two years of credit reports I have. I asked them why and it has been ignored. Their response was to report to the credit bureau that I owe not one account but two with them. The new second one with cost exceeding both the original and deal without explanation. I have only one debt with them of 2, 300. Now my credit reports says I owe this company nearly 6, 000 dollars. I am being bullied. I am the one contacting them, attempting to settle or pay, but with a statement of sorts for record. I get ignored and pushed around so whenever I finally speak to them I will be desperate to pay anything as I won't know when the next time will be. These business practices are unethically and immoral. I was, along with other soldiers, lied to in purchasing laptops that our government college scholarships were to pay off. We were reassured this. It was a hoax and the kiosk was shut downed. Now, I along with others owe thousands of dollars for a mediocre laptop bought five years ago. The company refusing to give me a statement of charges so they can continue to charge me late fees!