HELOC

The HELOC dataset 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

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

作者:

mstz

数据集大小:

662.56 KB