Who called from 5163243228

Do not respond to unwanted texts or emails from questionable sources. Several mobile service providers (including AT&T) will allow you to report unwanted spam texts by simply forwarding them to 7726 (or “spam”) to enable the providers to prevent future unwanted texts from the specific sender.

TIP:
Put 7726 in your contact list, so you can easily forward those unwanted texts!

Source:
http://www.fcc.gov/guides/spam-unwanted-text-messages-and-email

More info:
http://en.wikipedia.org/wiki/Mobile_phone_spam
http://blog.usa.gov/post/89152807112/protect-yourself-from-text-message-spam

However, in many cases, the text origin, as seen on your phone, is faked.  The internet domain does not exist, or the phone number may have been spoofed.

They said I owe an outstanding loan

Yes I received the same exact text  as Barb- I don't know why they chose to bother me but I will report them to Verizon.

same message saying i have a outstanding loan i called dept of justice and a friend who works with the NSA

This is fraud