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None. On XX/XX/year>, I contacted [ Lender Name ] regarding my loan ( # XXXX ) when my balance was {$1200.00}. I have already repaid more than I originally borrowed, yet the balance continues to increase due to excessive interest charges. On XX/XX/year>, after failing to reach a resolution, I sent a cease and desist letter requesting that all communication be stopped. However, the company continued to correspond via email through XX/XX/year>, disregarding my formal request. Between XX/XX/XXXX and XX/XX/year>, I made three separate attempts to negotiate a settlement due to extreme financial hardship and recently incurred medical debt. The company refused to negotiate or offer any assistance despite my good-faith efforts. Instead, my balance has now increased to {$1300.00}, even thou