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数据集:
mstz/heloc
英文HELOC
该数据集中的每个条目都是一条信用额度，通常由银行以房屋资产净值的一定百分比提供（即房屋的当前市场价值与购买价之差）。这些数据集中的客户要求的信用额度范围为$5,000至$150,000。基本任务是根据申请人信用报告中的信息预测其是否会在2年内偿还其HELOC账户。
配置和任务
| Configuration | Task | Description |
|---|---|---|
| risk | Binary classification | Will the customer default? |
用法
from datasets import load_dataset
dataset = load_dataset("mstz/heloc")["train"]
特征
| 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 |