Datasets:
Tasks:
Tabular Classification
Modalities:
Tabular
Formats:
csv
Languages:
English
Size:
10K - 100K
License:
| configs: | |
| - config_name: risk | |
| data_files: | |
| - path: risk/train.csv | |
| split: train | |
| default: true | |
| language: en | |
| license: cc | |
| pretty_name: Heloc | |
| size_categories: 1M<n<10M | |
| tags: | |
| - tabular_classification | |
| - binary_classification | |
| - multiclass_classification | |
| task_categories: | |
| - tabular-classification | |
| # HELOC | |
| The [HELOC dataset](https://community.fico.com/s/explainable-machine-learning-challenge?tabset-158d9=d157e) from FICO. | |
| Each entry in the dataset is a line of credit, typically offered by a bank as a percentage of home equity (the difference between the current market value of a home and its purchase price). | |
| The customers in this dataset have requested a credit line in the range of $5,000 - $150,000. | |
| The fundamental task is to use the information about the applicant in their credit report to predict whether they will repay their HELOC account within 2 years. | |
| # Configurations and tasks | |
| | **Configuration** | **Task** | **Description** | | |
| |-------------------|---------------------------|-----------------------------------------------------------------| | |
| | risk | Binary classification | Will the customer default? | | |
| # Usage | |
| ```python | |
| from datasets import load_dataset | |
| dataset = load_dataset("mstz/heloc")["train"] | |
| ``` | |
| # Features | |
| |**Feature** |**Type**| | |
| |-------------------------------------------|--------| | |
| |`estimate_of_risk` |`int8` | | |
| |`months_since_first_trade` |`int32` | | |
| |`months_since_last_trade` |`int32` | | |
| |`average_duration_of_resolution` |`int32` | | |
| |`number_of_satisfactory_trades` |`int16` | | |
| |`nr_trades_insolvent_for_over_60_days` |`int16` | | |
| |`nr_trades_insolvent_for_over_90_days` |`int16` | | |
| |`percentage_of_legal_trades` |`int16` | | |
| |`months_since_last_illegal_trade` |`int32` | | |
| |`maximum_illegal_trades_over_last_year` |`int8` | | |
| |`maximum_illegal_trades` |`int16` | | |
| |`nr_total_trades` |`int16` | | |
| |`nr_trades_initiated_in_last_year` |`int16` | | |
| |`percentage_of_installment_trades` |`int16` | | |
| |`months_since_last_inquiry_not_recent` |`int16` | | |
| |`nr_inquiries_in_last_6_months` |`int16` | | |
| |`nr_inquiries_in_last_6_months_not_recent` |`int16` | | |
| |`net_fraction_of_revolving_burden` |`int32` | | |
| |`net_fraction_of_installment_burden` |`int32` | | |
| |`nr_revolving_trades_with_balance` |`int16` | | |
| |`nr_installment_trades_with_balance` |`int16` | | |
| |`nr_banks_with_high_ratio` |`int16` | | |
| |`percentage_trades_with_balance` |`int16` | |