Fingerhut Ripped me off. St Cloud Nationwide

I once thought that there was only one way to improve my credit in the state of Wisconsin because secured cards weren't allowed at the time. To that end I found out Fingerhut was willing to extend me credit. I was glad to hear this as it seemed nobody else was wiling to help me. So I went ahead and ordered a Toshiba sound bar from them. Something I knew I could afford to make the payments on and expand my options once it was paid off. I sent them the $30 they requested as down payment, (which I thought was reasonable considering my situation) and waited for my item in the mail. Took 2 months between opening the account and having the item in my home. Not good but hey I was just happy to get the credit. I plugged the item in as I was instructed by the instructions that came with the item. I used it for about two hours and went to bed. The next morning I went to turn it on and it would not turn on. I tried and tried like 5 different ways of plugging it in, all to no avail. On the phone I went with Fingerhut customer service. The first call I had with them, they could not find my account, an hour after being transferred to 5 different customer service reps I finally found one who found my account. By this time I had already made my down-payment and keeping with my agreement I had made another payment. Totalling $50. Needless to say I no longer had the use of the item. I was told I had to pay for return shipping back to them and at the time I could not afford it, so I had to wait until I got paid again. I eventually got them to pay for shipping back to them. By then 2 months had elapsed. I attempted to call on several occasions after they got their defective item back and all I get is transfered from "customer service" to another department and back. It seems nobody can help me. My account is closed and from the 591 complaints here... Nobody ever will. A year has lapsed I still have not gotten my $90 in on time payments to them.