This is by H28 on onedirectionfanfiction.com it's wonderful and I hope you like it as much as me. Recommended for 17+

Tessa Young is an 18 year old college student with a simple life, excellent grades, and a sweet boyfriend. She always has things planned out ahead of time, until she meets a rude boy named Hardin, with too many tattoos and piercings who shatters her plans.