{
  "id": 491678,
  "title": "Clarification Regarding Total Payments and Total Debt",
  "url": "/competitions/home-credit-credit-risk-model-stability/discussion/491678",
  "author_name": "",
  "post_date": "2024-04-06T21:48:36.252522700Z",
  "votes": 1,
  "comment_count": 3,
  "views": 0,
  "content": "<p>Upon reviewing the data, I noticed instances where the total payments made by clients exceed their total debt, which seems unreasonable. I believe this may require further clarification to ensure the accuracy and integrity of the dataset.</p>\n<p>Could anyone provide insights into why the total payments made by clients might be greater than their total debt? Understanding the factors contributing to this discrepancy would be greatly appreciated and could help enhance the analysis and interpretation of the data.</p>\n<p>Thank you for your attention to this matter, and I look forward to any insights or explanations you may have.</p>\n<p><img src=\"https://www.googleapis.com/download/storage/v1/b/kaggle-forum-message-attachments/o/inbox%2F7200544%2Fdde9098f53d7b845106b59156aa4799d%2Fdownload%20(1).png?generation=1712440113025735&amp;alt=media\"></p>",
  "messages": [
    {
      "id": "2739187",
      "postDate": "04/06/2024 21:48:36",
      "content": "<p>Upon reviewing the data, I noticed instances where the total payments made by clients exceed their total debt, which seems unreasonable. I believe this may require further clarification to ensure the accuracy and integrity of the dataset.</p>\n<p>Could anyone provide insights into why the total payments made by clients might be greater than their total debt? Understanding the factors contributing to this discrepancy would be greatly appreciated and could help enhance the analysis and interpretation of the data.</p>\n<p>Thank you for your attention to this matter, and I look forward to any insights or explanations you may have.</p>\n<p><img src=\"https://www.googleapis.com/download/storage/v1/b/kaggle-forum-message-attachments/o/inbox%2F7200544%2Fdde9098f53d7b845106b59156aa4799d%2Fdownload%20(1).png?generation=1712440113025735&amp;alt=media\"></p>",
      "rawMarkdown": "Upon reviewing the data, I noticed instances where the total payments made by clients exceed their total debt, which seems unreasonable. I believe this may require further clarification to ensure the accuracy and integrity of the dataset.\n\nCould anyone provide insights into why the total payments made by clients might be greater than their total debt? Understanding the factors contributing to this discrepancy would be greatly appreciated and could help enhance the analysis and interpretation of the data.\n\nThank you for your attention to this matter, and I look forward to any insights or explanations you may have.\n\n![](https://www.googleapis.com/download/storage/v1/b/kaggle-forum-message-attachments/o/inbox%2F7200544%2Fdde9098f53d7b845106b59156aa4799d%2Fdownload%20(1).png?generation=1712440113025735&alt=media)",
      "votes": null
    },
    {
      "id": "2740874",
      "postDate": "04/08/2024 01:34:47",
      "content": "<p>principle vs. interest + principle?</p>",
      "rawMarkdown": "principle vs. interest + principle?",
      "votes": null
    },
    {
      "id": "2741204",
      "postDate": "04/08/2024 07:40:48",
      "content": "<p>Hi,<br>\nas Stephen mentioned, total settled is not just principal payments, but it should contains also interest, fees, penalties,… Also I think total debt is only outstanding part at the time of application.</p>",
      "rawMarkdown": "Hi,\nas Stephen mentioned, total settled is not just principal payments, but it should contains also interest, fees, penalties,... Also I think total debt is only outstanding part at the time of application.",
      "votes": null
    },
    {
      "id": "2742570",
      "postDate": "04/09/2024 01:04:17",
      "content": "<p>Feature: numinstls_657L, Feature Meaning: Number of instalments.<br>\nFeature: numinstlsallpaid_934L, Feature Meaning: Number of paid instalments.<br>\nFeature: numinstlswithdpd10_728L, Feature Meaning: Number of instalments that were overdue for 10 or more days.<br>\nFeature: numinstlswithdpd5_4187116L, Feature Meaning: Number of instalments that were overdue by at least 5 days.<br>\nFeature: numinstlswithoutdpd_562L, Feature Meaning: Number of instalments that were not past due date.</p>\n<p><img src=\"https://www.googleapis.com/download/storage/v1/b/kaggle-forum-message-attachments/o/inbox%2F7200544%2F062b242cb0f85c825cce2453f69603fd%2Fdownload%20(3).png?generation=1712624575560634&amp;alt=media\"></p>\n<p>Other data are also confusing and cannot make sense.</p>",
      "rawMarkdown": "Feature: numinstls_657L, Feature Meaning: Number of instalments.\nFeature: numinstlsallpaid_934L, Feature Meaning: Number of paid instalments.\nFeature: numinstlswithdpd10_728L, Feature Meaning: Number of instalments that were overdue for 10 or more days.\nFeature: numinstlswithdpd5_4187116L, Feature Meaning: Number of instalments that were overdue by at least 5 days.\nFeature: numinstlswithoutdpd_562L, Feature Meaning: Number of instalments that were not past due date.\n\n![](https://www.googleapis.com/download/storage/v1/b/kaggle-forum-message-attachments/o/inbox%2F7200544%2F062b242cb0f85c825cce2453f69603fd%2Fdownload%20(3).png?generation=1712624575560634&alt=media)\n\nOther data are also confusing and cannot make sense.",
      "votes": null
    }
  ],
  "comments": [
    {
      "id": 2740874,
      "author_name": "stephenkane0",
      "author_url": "",
      "post_date": "04/08/2024 01:34:47",
      "content": "<p>principle vs. interest + principle?</p>",
      "votes": null,
      "replies": []
    },
    {
      "id": 2741204,
      "author_name": "tomasjeline2",
      "author_url": "",
      "post_date": "04/08/2024 07:40:48",
      "content": "<p>Hi,<br>\nas Stephen mentioned, total settled is not just principal payments, but it should contains also interest, fees, penalties,… Also I think total debt is only outstanding part at the time of application.</p>",
      "votes": null,
      "replies": [
        {
          "id": 2742570,
          "author_name": "lyuxinshuai",
          "author_url": "",
          "post_date": "04/09/2024 01:04:17",
          "content": "<p>Feature: numinstls_657L, Feature Meaning: Number of instalments.<br>\nFeature: numinstlsallpaid_934L, Feature Meaning: Number of paid instalments.<br>\nFeature: numinstlswithdpd10_728L, Feature Meaning: Number of instalments that were overdue for 10 or more days.<br>\nFeature: numinstlswithdpd5_4187116L, Feature Meaning: Number of instalments that were overdue by at least 5 days.<br>\nFeature: numinstlswithoutdpd_562L, Feature Meaning: Number of instalments that were not past due date.</p>\n<p><img src=\"https://www.googleapis.com/download/storage/v1/b/kaggle-forum-message-attachments/o/inbox%2F7200544%2F062b242cb0f85c825cce2453f69603fd%2Fdownload%20(3).png?generation=1712624575560634&amp;alt=media\"></p>\n<p>Other data are also confusing and cannot make sense.</p>",
          "votes": null,
          "replies": []
        }
      ]
    }
  ],
  "raw_markdown_by_id": {
    "2739187": "Upon reviewing the data, I noticed instances where the total payments made by clients exceed their total debt, which seems unreasonable. I believe this may require further clarification to ensure the accuracy and integrity of the dataset.\n\nCould anyone provide insights into why the total payments made by clients might be greater than their total debt? Understanding the factors contributing to this discrepancy would be greatly appreciated and could help enhance the analysis and interpretation of the data.\n\nThank you for your attention to this matter, and I look forward to any insights or explanations you may have.\n\n![](https://www.googleapis.com/download/storage/v1/b/kaggle-forum-message-attachments/o/inbox%2F7200544%2Fdde9098f53d7b845106b59156aa4799d%2Fdownload%20(1).png?generation=1712440113025735&alt=media)",
    "2740874": "principle vs. interest + principle?",
    "2741204": "Hi,\nas Stephen mentioned, total settled is not just principal payments, but it should contains also interest, fees, penalties,... Also I think total debt is only outstanding part at the time of application.",
    "2742570": "Feature: numinstls_657L, Feature Meaning: Number of instalments.\nFeature: numinstlsallpaid_934L, Feature Meaning: Number of paid instalments.\nFeature: numinstlswithdpd10_728L, Feature Meaning: Number of instalments that were overdue for 10 or more days.\nFeature: numinstlswithdpd5_4187116L, Feature Meaning: Number of instalments that were overdue by at least 5 days.\nFeature: numinstlswithoutdpd_562L, Feature Meaning: Number of instalments that were not past due date.\n\n![](https://www.googleapis.com/download/storage/v1/b/kaggle-forum-message-attachments/o/inbox%2F7200544%2F062b242cb0f85c825cce2453f69603fd%2Fdownload%20(3).png?generation=1712624575560634&alt=media)\n\nOther data are also confusing and cannot make sense."
  },
  "source": "meta"
}