Although this sounds somewhat strange, I also want to caution that it might not be a reason to be alarmed.
Having been a breeder and worked with many other breeder friends, I must say that many are not the most organized when it comes to the fluffs. Especially if they've been breeding and showing for many years.
Many might not remember (off the top of their head) who the dam and sire of a 2 year old are. There are times when a potential pet buyer might call to inquire about availability, and after visiting with him/her, a particular dog that I was holding to show or for breeding might pop into my head as a perfect pet for this buyer. I might only make the decision on the phone call to place this particular dog with this particular buyer as a pet and to no longer keep her. In other words, not actively trying to sell this dog.
If the breeder is busy, she may not have had time to go through her paperwork to get the requested information. Also, when I was breeding and had a number of dogs, I did just let my Vet retain their health records. With the "Pets", now I keep a 3 ring binder with all of their records, but with the amount of records a breeder must have on file for each of their dogs (including dogs they have sold or placed), having the health records at the vets is sometimes easier.
Also, many breeders don't worry about providing pedigree details to pet buyers, as they usually have no meaning to the buyer. We think, "they are getting a quality dog from us" and don't think about providing much detail over the phone. We might share that the sire or dam was a champion and not much else.
Now when the buyer comes to pick up the dog, that's a totally different story. All of the paperwork (health records, contracts, pedigrees, pictures of dog's relatives, etc.) are in order and thoroughly addressed with the buyer.
Also, everything that Tina said in her post is done, where we go over the fluff thoroughly.
Many breeders keep their show dogs' coats in oil which doesn't look very good in a photo. I might not want to take the dog out of oil until I'm certain that the buyers are taking the dog, as taking them out of oil could damage a show coat. If, for example, I had not planned selling this dog, except that this great family came along, and I made a decision to let her go, but only to this buyer, I would want the coat to remain in show condition in case the buyer backed out of the deal. This would include keeping the coat in oil. I would clip the dog into a short cut before the buyers picked her up, but only after I was certain that the purchase was finalized. Or I might leave her in long coat and bath her out of oil only on the day the buyer was picking her up. If the buyer decides not to purchase the dog, I would want the dog in show coat.
And I would believe that this particular dog is show quality with a great temperment, but that the breeder just has other dogs in the ring who the breeder wants to finish, obtain championship title, prior to begin showing this dog.
Although as a pet buyer, I completely understand your concerns. Looking at it through a breeders eyes, I believe there's probably nothing to be concerned about.