Product: Debt collection

On XX/XX/XXXX, I entered an agreement with XXXX XXXXXXXX XXXX XXXXXXXX ( services obtained from XXXX XXXX XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  contact number XXXX for a shower remodel at my residence for the price of {$12000.00}. The agreement was a pre printed yellow form of a contract. Prior to the execution of the contract, XXXX XXXX asked me for my social security number to ensure financing for the project. They failed to explain to me the cancellation policy or the financing rules and regulations, it was only confirmed that the loan application ( XXXX XXXXXXXX ) was approved by Momnt located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I went through the next few months after signing the agreement without any communication from XXXX XXXXXXXX XXXX  XXXX. I reached out to XXXX at XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX every week multiple times inquiring when will the installation of my shower be installed and I kept receiving the runaround ( responses such as the vendor lost the materials so we have to start the order all over again ) during each call that I made. XXXX XXXX XXXX XXXXXXXX never contacted me ( via email or phone ) and eventually, they stopped answering my calls and I left numerous voicemail messages on both numbers listed above asking for a returned phone call. 

I contacted Momnt, around XX/XX/XXXX informing them that XXXX XXXXXXXX XXXX XXXXXXXX has stopped communicating with me therefore leaving me without a remodeled shower installation & I was told by Momnt that they will have to conduct an investigation. According to the FCRA it is the company responsibility to follow up regarding this contract as a consumer. Both XXXX XXXX XXXX XXXX and Momnt violated me as the consumer, 15 U.A. code 1681ab permissible purposes of consumer reports. No one sent me documentation regarding the loan and no services were rendered-12 CFR Part 1022 ( Fair Credit Reporting ) along with 16 CFR 433 A and B ( Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ) I repeatedly asked numerous times of copies of documentation with my wet ink signature at which XXXX XXXX XXXX XXXXXXXX nor Momnt failed to provide me. As a consumer ( myself ) these documents were supposed to have been provided. 

Momnt sent me an email recently as of XX/XX/XXXX stating that " we placed a provisional credit on your account while we investigated an issue related to your account and/or your merchant.Our review is complete, and we have determined that the provisional credit should be removed from your account and the loan should be placed in active status in 30 days. '' However, when I called XXXX that same day to inquire about the investigation they had conducted since XXXX, I was told that they can not disclose the information to me. I requested for the loan to be removed from my name, financial and credit records-15 U.S. code 6802 Nonpublic personal information Obligations with respect to disclosure of personal information. Neither company can provide documentation that i am soley responsible for services that i did not receive. My request made was disregarded as then I asked to speak to a manager and was told that they don't have any managers to speak with about this matter. I was told that I'm stuck with the loan and that, I need to start making payments as soon as possible. 

As of today, XXXX XXXX XXXX XXXXXXXX have not reponded to any of my complaints. I have been harassed by Momnt via emails every month reminding me of payments that needed to be made prior them completing their so called investigation. I am devastated that I've been waiting over a year for a brand new shower that was never installed. The mental anguish of going through this process had been overwhelming, stressful and uncomprehensible. Under the circumstances, this loan should have already been removed from my financial and credit records several months ago and their lack of responsiveness, unprofessionalism and accountability have violated several standards. We will discuss credit report violations, compensation and removing this from my credit report. Please assist in taking action with whatever means that are available. 

Much Regards, XXXX XXXX