class_docstr: HELOC Dataset.
  
  The FICO HELOC dataset [#]_ contains anonymized information about home equity line of credit (HELOC) applications 
  made by real homeowners. A HELOC is a line of credit typically offered by a US bank as a percentage of home
  equity (the difference between the current market value of a home and the outstanding balance of all liens,
  e.g. mortgages). The customers in this dataset have requested a credit line in the range of USD 5,000 - 150,000.
  
  The target variable in this dataset is a binary variable called RiskPerformance. The value “Bad” indicates that an
  applicant was 90 days past due or worse at least once over a period of 24 months from when the credit account
  was opened. The value “Good” indicates that they have made their payments without ever being more than 90 days
  overdue.
  
  This dataset can be used to train a machine learning model to predict whether the homeowner qualifies for a line
  of credit or not. The HELOC dataset and more information about it, including instructions to download are available in
  the reference below.
  
  References:
      .. [#] `Explainable Machine Learning Challenge - FICO Community.
         <https://community.fico.com/s/explainable-machine-learning-challenge?tabset-3158a=2>`_
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code: def data(self):
      return self._data
  
file_path: AIX360/aix360/datasets/heloc_dataset.py
imports: import os
  import pandas
  import numpy
  from sklearn.preprocessing import LabelEncoder, OneHotEncoder
  from sklearn.model_selection import train_test_split
label_desc: Use image node_id 3 for calling the HELOCDataset obj's underlying member method code with example usage: obj.data() and returns: self