HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Texas

I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In - of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in - and requested for them to report so this way my credit score will increase and I will be able to refinance. On - 2015 I started to refinance and once again learned that there is no record of my mortgage with HSBC since they are still not reporting and this makes things more difficult when there is no record. I have once again contacted HSBC and requested for them to offer a permanent modification with a lower interest and I was denied. Instead the send me a letter offering me to do a short sale or Deed-in-Lieu and I am offended by that offer since my account has not been past due for over six years. This practice for any Financial Institution should not be allow. Please advocate so all other customers who are experiencing the same can also be benefit and our credits will improve once they report to the credit bureaus and will give us the option to refinance and qualify for a low interest rate.