This is the dataverse collection of the research project "AICE:Data Science and Over-Indebtedness [Ciência de dados e o sobre-endividamento: uso de algoritmos de inteligência artificial no consumo de crédito e conciliação de endividamento em Portugal]. Use of Artificial Intelligence Algorithms in Credit Consumption and Indebtedness Conciliation in Portugal In the last decades, credit expanded in Portugal, developing different debtors’ classes and social strata. Despite the decline in unemployment, many families continue to face financial difficulties, and a representative part of the Portuguese population still cannot pay their debts. This project proposes the use of Machine Learning (ML) for developing descriptive and predictive models, to understand the influencing factors of over-indebtedness on Portuguese consumers. Descriptive models will be obtained using Unsupervised ML algorithms like Self Organizing Maps and Agglomerative Hierarchical Clustering and will be used for establishing consumer clusters and guidelines for over-indebtedness regulation and consumer financial empowerment.
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