Loan apps and fake calls

Currently, there are many unknown and unlicensed programs advertising loans with a personal ID card and disbursal within 3 minutes. These applications require access to messages, phone logs, contacts, and photos. Usually, the loan is denied or a very small amount is given for a week with high interest. One of the numbers then contacts and harasses, demanding much larger amounts, exploiting the photos obtained and threatening to contact records and the numbers they have.