On XXXX/XXXX/2015, I went to Consumer Financial Services in an attempt to finance a vehicle. After, finding the vehicle I wanted, paying a down payment of {$500.00} and signing the contract, I waited for car to be brought around with the necessary registration. Soon after, the owner was unable to find the registration and advised his porter to drive me back to the car lot of XXXX XXXX XXXX to pick up some temporary plates. The porter drove the vehicle to the car lot and in route, the car 's engine blew up. I immediately advised that I was not interested in that car or any car from their lot, and would like my money back. The owner than informed me that he could hold my deposit until to 30 days, but would give it to me the next day. The next day came, no money, the day after and no money. Finally I contacted the police and they advised that they could do nothing, as this was civil matter, however, they would see if they could reason with the owner to give me my money back. The owner did not show up that day to speak with police or myself and kept having the ladies in the office to say he was n't there. On the 3rd day, he finally gave me a call to pick up my funds. Fast forward to XXXX XXXX, 2015, I pulled my credit report and found that Consumer Financial has put this car on my credit report even though I never received a vehicle from them and my deposit was returned. I contacted their office and they informed me that the car could not be removed from my credit until they sold it and hung up the phone. I tried calling back and once they knew it was me they would hang up. 
