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Datasets:
mstz
/
heloc

Tasks:
Tabular Classification
Modalities:
Tabular
Languages:
English
Size:
10K - 100K
Tags:
heloc
fico
tabular_classification
binary_classification
Libraries:
Datasets
License:
Dataset card Viewer Files Community
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estimate_of_risk
int8
-9
94
months_since_first_trade
int32
-9
803
months_since_last_trade
int32
-9
383
average_duration_of_resolution
int32
-9
383
number_of_satisfactory_trades
int16
-9
79
nr_trades_insolvent_for_over_60_days
int16
-9
19
nr_trades_insolvent_for_over_90_days
int16
-9
19
percentage_of_legal_trades
int16
-9
100
months_since_last_illegal_trade
int32
-9
83
maximum_illegal_trades_over_last_year
int8
-9
9
maximum_illegal_trades
int16
-9
8
nr_total_trades
int16
-9
104
nr_trades_initiated_in_last_year
int16
-9
19
percentage_of_installment_trades
int16
-9
100
months_since_last_inquiry_not_recent
int16
-9
24
nr_inquiries_in_last_6_months
int16
-9
66
nr_inquiries_in_last_6_months_not_recent
int16
-9
66
net_fraction_of_revolving_burden
int32
-9
232
net_fraction_of_installment_burden
int32
-9
471
nr_revolving_trades_with_balance
int16
-9
32
nr_installment_trades_with_balance
int16
-9
23
nr_banks_with_high_ratio
int16
-9
18
percentage_trades_with_balance
int16
-9
100
is_at_risk
class label
2 classes
55
144
4
84
20
3
0
83
2
3
5
23
1
43
0
0
0
33
-8
8
1
1
69
1yes
61
58
15
41
2
4
4
100
-7
0
8
7
0
67
0
0
0
0
-8
0
-8
-8
0
1yes
67
66
5
24
9
0
0
100
-7
7
8
9
4
44
0
4
4
53
66
4
2
1
86
1yes
66
169
1
73
28
1
1
93
76
6
6
30
3
57
0
5
4
72
83
6
4
3
91
1yes
81
333
27
132
12
0
0
100
-7
7
8
12
0
25
0
1
1
51
89
3
1
0
80
1yes
59
137
11
78
31
0
0
91
1
4
6
32
1
47
0
0
0
62
93
12
4
3
94
1yes
54
88
7
37
25
0
0
92
9
4
6
26
3
58
0
4
4
89
76
7
7
2
100
0no
68
148
7
65
17
0
0
83
31
6
6
18
1
44
0
0
0
28
48
2
2
2
40
0no
59
324
2
138
24
0
0
85
5
4
6
27
1
26
0
1
1
68
-8
7
1
3
90
1yes
61
79
4
36
19
0
0
95
5
4
6
19
3
26
0
6
6
31
86
5
3
1
62
1yes
82
96
5
47
16
0
0
100
-7
7
8
16
3
31
0
0
0
15
88
4
2
0
67
0no
50
311
25
76
12
1
0
60
2
3
5
15
0
20
0
1
1
84
64
5
2
2
88
1yes
74
274
2
66
23
0
0
100
-7
6
8
28
4
39
0
2
2
18
65
3
5
1
67
1yes
69
256
6
117
11
1
1
100
-7
7
8
14
1
8
0
0
0
13
-8
2
-8
0
67
0no
63
262
26
95
3
2
2
75
27
6
4
6
0
100
0
0
0
-8
-8
-8
1
-8
100
1yes
63
184
3
77
34
0
0
97
32
6
6
36
2
36
0
11
10
71
80
10
2
3
82
1yes
61
256
19
68
14
0
0
87
0
4
6
15
0
33
0
2
1
62
68
3
3
1
86
1yes
62
131
4
59
16
4
2
79
23
6
5
20
4
58
0
4
4
25
91
3
4
1
70
1yes
89
244
9
147
10
0
0
100
-7
7
8
10
1
10
0
0
0
3
-8
2
-8
0
50
1yes
65
43
2
26
15
1
1
100
-7
7
8
17
2
25
0
4
4
31
83
5
1
0
75
1yes
57
147
4
73
27
1
1
97
1
0
2
31
2
48
0
4
4
44
87
3
2
3
56
1yes
72
365
11
83
22
0
0
100
-7
7
8
22
1
41
0
0
0
49
23
6
2
1
73
1yes
72
84
4
53
29
0
0
100
-7
7
8
30
2
27
0
1
1
43
48
9
5
3
64
0no
65
88
9
45
20
0
0
85
1
4
6
20
1
20
0
0
0
14
71
4
2
1
50
1yes
64
91
4
55
19
1
1
90
0
0
2
20
2
50
0
2
2
24
81
6
3
1
82
1yes
58
265
3
79
25
2
1
93
13
0
5
28
2
48
0
1
1
63
50
8
2
0
91
1yes
58
150
16
72
18
2
0
55
4
4
5
22
0
45
0
1
1
79
38
7
3
0
91
1yes
79
162
7
94
17
0
0
100
-7
7
8
17
1
29
0
0
0
28
-8
3
1
1
57
1yes
66
284
32
107
15
2
2
82
3
4
4
17
0
53
0
1
1
19
50
3
2
1
63
1yes
69
476
8
157
38
4
4
100
-7
6
8
39
1
36
0
4
4
50
54
14
2
4
89
1yes
71
179
3
62
15
3
2
83
37
6
2
18
4
33
0
5
5
5
9
1
1
0
22
0no
54
114
12
49
9
3
3
64
4
0
2
12
0
27
0
0
0
62
14
6
2
1
100
1yes
68
133
7
44
39
2
2
100
-7
6
8
39
4
67
0
2
2
15
73
5
2
0
50
1yes
75
164
4
66
19
0
0
100
-7
7
8
19
2
21
0
0
0
53
92
5
1
1
55
0no
67
118
6
37
23
2
2
88
70
6
2
26
5
42
0
0
0
31
70
5
3
1
67
1yes
88
153
33
92
13
0
0
100
-7
7
8
14
0
7
0
0
0
1
-8
1
-8
0
25
0no
51
186
13
96
22
3
1
84
2
0
2
25
0
56
0
4
3
79
50
5
3
3
100
1yes
70
127
25
57
23
0
0
96
-8
6
6
24
0
13
0
0
0
51
-8
9
-8
1
67
1yes
65
116
10
37
14
1
1
93
72
6
2
15
1
13
0
2
2
52
-8
3
1
2
56
1yes
78
21
4
13
11
0
0
100
-7
7
8
11
5
64
0
3
3
7
-8
3
-8
0
75
1yes
86
318
18
90
13
0
0
100
-7
7
8
13
0
62
0
0
0
0
44
0
2
-8
50
0no
90
230
13
73
11
0
0
100
-7
7
8
13
0
62
0
0
0
1
71
1
4
0
71
0no
76
293
4
74
33
0
0
100
-7
7
8
34
1
38
0
2
2
37
-8
13
1
0
88
1yes
70
37
4
20
19
0
0
100
-7
7
8
20
2
20
0
3
3
42
73
2
2
1
50
1yes
73
255
16
100
40
0
0
100
-7
7
8
44
0
23
0
1
1
79
-8
18
1
13
80
1yes
72
209
2
95
41
0
0
100
-7
7
8
42
3
38
0
1
1
42
-8
7
2
2
82
1yes
83
398
3
118
29
0
0
100
-7
7
8
29
2
31
0
3
3
22
87
6
3
0
69
0no
87
326
7
111
26
0
0
100
-7
7
8
30
1
40
0
0
0
12
89
3
2
0
56
0no
55
114
6
59
19
0
0
89
5
4
6
19
1
53
0
1
1
97
90
8
2
6
100
1yes
65
478
12
97
44
0
0
89
1
4
6
47
0
32
0
9
9
63
-8
9
-8
6
60
1yes
78
197
23
91
15
0
0
100
-7
7
8
17
0
41
0
5
5
57
32
2
2
-8
67
1yes
79
243
17
77
35
0
0
97
67
6
6
39
0
36
0
2
2
20
-8
4
1
0
56
0no
75
183
18
92
21
0
0
100
-7
7
8
22
0
27
0
0
0
88
91
9
3
5
93
1yes
70
176
8
96
20
0
0
95
17
5
6
20
1
30
0
0
0
74
71
8
4
3
86
1yes
78
368
6
74
42
0
0
98
23
5
6
43
3
49
0
3
3
10
19
8
2
0
67
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
75
300
14
124
22
0
0
100
-7
7
8
23
0
39
0
0
0
57
-8
4
1
1
100
1yes
76
150
11
54
14
0
0
100
-7
7
8
15
1
40
0
0
0
32
96
4
2
0
75
1yes
72
168
8
62
10
0
0
100
-7
7
8
11
1
18
0
5
5
60
82
7
1
0
100
1yes
55
118
4
69
12
7
4
50
4
3
3
22
2
27
0
2
2
79
79
5
2
2
88
1yes
74
277
30
123
24
0
0
88
12
6
6
24
0
25
0
0
0
45
-8
12
1
2
93
1yes
63
174
1
62
11
1
0
79
5
3
5
14
1
29
0
5
5
37
101
5
2
2
70
1yes
81
137
9
66
34
0
0
100
-7
7
8
34
1
62
0
1
1
24
92
3
4
0
78
1yes
81
126
9
78
18
0
0
100
-7
7
8
18
1
83
0
0
0
0
64
1
3
-8
80
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
59
243
11
79
38
1
1
76
7
4
6
43
1
50
0
1
1
63
78
7
4
4
86
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
66
176
11
81
43
0
0
98
3
4
6
44
1
39
0
2
2
36
64
3
4
1
47
1yes
72
169
5
60
21
1
1
96
30
6
3
23
1
52
0
4
4
66
82
4
3
1
78
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
73
409
7
94
38
0
0
100
-7
7
8
39
2
18
0
1
1
27
69
11
2
2
72
0no
86
419
10
122
17
0
0
100
-7
7
8
18
1
72
0
0
0
0
36
0
2
-8
50
1yes
91
282
100
209
6
0
0
100
-7
7
8
7
0
43
0
0
0
0
-8
0
-8
-8
0
1yes
73
324
15
89
19
0
0
89
9
4
6
19
0
21
0
0
0
34
36
6
3
1
64
0no
78
134
2
63
35
0
0
93
32
6
6
40
3
40
0
0
0
22
55
5
4
0
60
0no
65
155
8
37
20
1
1
95
8
4
6
21
1
38
0
2
2
49
87
5
5
1
67
1yes
75
70
1
38
8
0
0
100
-7
7
8
9
1
78
0
4
3
17
-8
2
1
-8
100
1yes
84
277
8
109
8
0
0
100
-7
7
8
8
1
50
0
0
0
33
-8
2
1
0
100
0no
75
294
12
94
39
0
0
98
-8
6
6
40
0
35
0
2
2
17
-8
6
5
0
61
0no
60
357
17
141
9
4
3
67
3
3
4
13
0
50
0
1
1
28
-8
4
-8
-8
100
0no
68
106
3
54
29
1
1
87
51
6
2
31
2
65
0
1
1
85
73
3
5
2
100
0no
67
85
7
44
15
1
1
93
45
6
6
16
2
33
0
0
0
59
62
3
2
2
83
1yes
71
282
1
73
22
0
0
96
-8
6
6
25
5
4
0
2
2
37
39
11
1
1
80
1yes
50
204
2
91
23
2
0
82
1
3
5
28
2
32
0
6
6
32
-8
5
-8
0
67
1yes
62
151
19
99
5
1
1
80
16
6
6
6
0
80
0
0
0
40
75
1
2
0
100
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
70
333
2
75
16
0
0
100
-7
5
8
20
8
30
0
0
0
78
92
6
2
4
67
1yes
58
307
6
79
14
1
0
73
18
6
5
15
2
53
0
0
0
81
75
3
3
2
86
1yes
-9
17
17
17
1
0
0
100
-7
9
8
1
0
100
0
0
0
-8
-8
-8
-8
-8
-8
0no
88
188
13
82
20
0
0
100
-7
7
8
20
0
40
0
0
0
17
82
2
2
0
50
0no
65
107
7
48
40
0
0
100
-7
6
8
43
4
42
0
2
2
80
86
5
2
4
70
1yes
74
169
5
78
26
0
0
96
76
6
6
27
2
37
0
1
1
37
91
5
4
0
75
1yes
78
282
2
95
23
0
0
100
-7
7
8
24
1
13
0
1
1
22
-8
4
1
1
43
1yes
74
378
7
110
41
0
0
98
35
6
6
42
4
57
0
0
0
44
76
4
5
2
69
0no
77
311
11
103
39
0
0
98
-8
6
6
42
1
36
0
0
0
46
73
5
4
1
69
0no
67
299
2
79
25
0
0
89
15
5
6
27
3
37
0
12
11
63
63
13
3
4
94
1yes
56
76
6
32
11
2
2
92
15
5
2
14
5
17
0
3
3
83
42
5
2
2
100
0no
88
211
20
103
13
0
0
100
-7
7
8
14
0
57
-7
0
0
0
19
2
3
0
71
0no
75
169
2
59
21
0
0
100
-7
7
8
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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
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