Complaint Review: First Financial

I am a business owner of Joy's Creative Arts and was trying to get a business loan from First Financial. They claim there were problems, such as credit score repair because there were a red flag, owe payday loans, cash advance, which not what states in my real credit report or my information. I apply for loans, but I do not remember appying for payday loans and cash advanced. The only loans I have are schoolloans and my current credit. I have not late payments and my credit scores are fine. I had to pay $215.00 for business loan insurance, $280 for credit report, $495 for western union deposti, $320 for cash advanced I never applied for and $635.00 for payday loan I never apply for. First financial is on the Better Business Bureau, but not accredited. So far, I have not sign up any agreement and I am not sure what to do. Should I not take the loan or just find a high pay job that to invest my company, Joy's Creative Arts. I already reported to the courts about the problem already. I also made these payments already. I have to watch my money right now until getting a second job that pays high salary. I am not sure if I am being rippedoff or not.

Thank you so much

Joy