The record

Where automated decisions went wrong

Incidents gathered from public reporting around the world. Each one links to the articles it came from. None of it is a finding that anyone broke the law.

Reports people file about their own experience are not shown here and never will be without their agreement. Tell us what happened to you.

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92 incidents closest to “Upstart auto refinance” · matched on meaning · public reporting

WF-W2FDR42 Apr 2022

Cruise autonomous vehicle briefly evades police traffic stop

On April 2, 2022, a driverless Cruise taxi in San Francisco was pulled over by police for driving without headlights. The vehicle initially drove away before stopping at a safe location, confusing officers. Cruise stated the car yielded as programmed and no citation was issued. The incident highlights challenges of autonomous vehicles interacting with law enforcement.

Company involved
Cruise

5 source articles · read the reporting →

RealPage's YieldStar algorithm pushes rents higher for tenants

RealPage's YieldStar algorithm uses private competitor data to recommend rent increases for apartment units. Landlords adopt up to 90% of the suggestions, leading to higher rents for tenants. Critics allege the software may facilitate indirect price-fixing in violation of antitrust law. The company denies wrongdoing and says the software helps eliminate collusion.

Company involved
RealPage
AI system involved
YieldStar

10 source articles · read the reporting →

WF-Y6SDFY21 Mar 2019

Center for Auto Safety petitions NHTSA over Nissan Rogue AEB false activations

The Center for Auto Safety petitioned NHTSA to investigate false activations of the Automatic Emergency Braking (AEB) system on 2017-2018 Nissan Rogue vehicles. The system reportedly engages abruptly when no obstruction is present, causing near misses and forcing following drivers to take evasive action. Nissan issued a Technical Service Bulletin to dealers but has not conducted a safety recall. The petition seeks a formal investigation and a determination that the defect poses an unreasonable risk to safety.

Company involved
Nissan
AI system involved
Automatic Emergency Braking (AEB)

5 source articles · read the reporting →

UDR Sued Over Alleged Use of RealPage Algorithm to Set Rents in San Diego

A class action lawsuit alleges that UDR, Inc. used RealPage's YieldStar algorithmic pricing software to set rental rates and occupancy levels for its San Diego properties, in violation of a local ordinance. The suit claims the software relied on nonpublic competitor data, contributing to inflated rents and making housing less affordable. The lawsuit, filed in July 2026, seeks to represent all affected tenants. UDR has previously acknowledged using YieldStar as one tool among others in its decision-making.

Company involved
UDR, Inc.
AI system involved
RealPage YieldStar

1 source article · read the reporting →

WF-BBIPT515 Oct 2024

Google AI Overviews provide inaccurate finance information in 43% of searches

A study by The College Investor found that Google's AI Overviews provided misleading or inaccurate information in 43% of 100 personal finance-related searches. The AI-generated answers included outdated tax rules and incorrect student loan repayment plan details. One user believed she could convert her 529 plan to a Roth IRA in California, which is not allowed. Google has not responded to requests for comment.

Company involved
Google
AI system involved
AI Overviews

3 source articles · read the reporting →

WF-GP9JON1 Jan 2013

Allstate's proposed retention model charged big spenders more in Maryland

Allstate proposed an auto insurance rate adjustment plan in Maryland using a retention model algorithm that varied premium changes based on existing premiums. The algorithm would have increased rates up to 20% for customers already paying the highest premiums while capping increases at 5% for others, and would have denied meaningful discounts to thousands owed reductions. The Maryland Insurance Administration rejected the plan as discriminatory, but Allstate claims it was withdrawn and has continued proposing similar models elsewhere. The proposal never took effect in Maryland.

Company involved
Allstate Corporation
AI system involved
retention model

9 source articles · read the reporting →

Study finds Italian car insurers charge more based on birthplace

A study by the Universities of Padua, Udine and Carnegie Mellon found that Italian car insurers, including Genertel, Mps, Quixa and Con.Te, use birthplace and citizenship in pricing algorithms, charging some drivers over €1,000 more. The practice was ruled against in a 2018 decree involving Linear, but the study says it continues. The companies contacted denied or explained the findings.

Company involved
Genertel, Mps, Quixa, Con.Te

8 source articles · read the reporting →

Tesla faces NHTSA scrutiny over sudden acceleration

Tesla is facing scrutiny from the National Highway Traffic Safety Administration over allegations of sudden unexpected acceleration in its vehicles. A petition covering 500,000 vehicles cites 127 consumer complaints, 110 crashes, and 52 injuries. The agency is weighing whether to launch an investigation. Tesla has not yet responded.

Company involved
Tesla

10 source articles · read the reporting →

WF-IEVM2516 Mar 2021

Facebook Allowed Age-Targeted Credit Card Ads Violating Its Policy

The Markup found that four companies—Aspiration, Hometap, Chime, and Varo Bank—ran Facebook ads for credit cards and home equity loans that were targeted by age, excluding users under 25 or 35. This practice violates Facebook's own anti-discrimination policy and may violate the Equal Credit Opportunity Act and California's Unruh Civil Rights Act. Facebook did not respond to requests for comment, and some advertisers said they would review their ad targeting.

Company involved
Facebook
AI system involved
Facebook Ad Platform

9 source articles · read the reporting →

WF-NA2P6C14 Dec 2016

California threatens legal action against Uber over self-driving cars without permit

Uber launched a pilot program of self-driving taxis in San Francisco without obtaining a required permit from the California DMV. Two of the vehicles were observed running red lights on the first day. The California attorney general threatened legal action unless Uber removes the cars from the road. Uber argued that its cars are not fully autonomous and therefore not subject to the permit requirement.

Company involved
Uber

10 source articles · read the reporting →

WF-HYZ75T7 Dec 2017

Motorcyclist sues General Motors after self-driving Chevrolet Bolt crash in San Francisco

On 7 December 2017, a self-driving Chevrolet Bolt operated by GM's Cruise subsidiary aborted a lane change and re-entered its lane on Oak Street in San Francisco, striking motorcyclist Oscar Nilsson and knocking him to the ground. Nilsson sued General Motors, claiming neck and shoulder injuries requiring lengthy treatment and resulting in disability leave. The San Francisco Police Department's report blamed Nilsson for passing on the right, but his lawyer disputed this, and GM denied responsibility while emphasising safety.

Company involved
General Motors
AI system involved
Chevrolet Bolt autonomous vehicle

10 source articles · read the reporting →

WF-VR6R0O1 Aug 2019

LoanDepot algorithm denied mortgage to Black couple in Charlotte

In August 2019, Crystal Marie and Eskias McDaniels, a Black couple, were denied a mortgage for a house in Charlotte, North Carolina, by loanDepot's automated underwriting algorithm. The algorithm rejected the application because Crystal Marie was a contractor, not a full-time employee, despite her high credit score and income. After the couple enlisted their real estate agent and employer to intervene, the lender reversed the decision and cleared them to close. The couple alleged that race played a role in the denial, which loanDepot denied.

Company involved
loanDepot
AI system involved
Classic FICO and Fannie Mae/Freddie Mac automated underwriting software

10 source articles · read the reporting →

WF-U4WH351 Jun 2020

ScaleFactor reportedly failed to deliver promised automated bookkeeping software

ScaleFactor, an Austin-based startup, is reported to have failed to deliver the automated, real-time bookkeeping tools it promised customers, instead relying on human bookkeepers and a Filipino contract accounting firm. The company told Forbes in June that it was shutting down, initially blaming the pandemic, but Forbes later reported that its problems predated Covid-19. Investors reportedly came to see the company as more of a services business than a software platform, and pulled funding after a pivot to a marketplace model. No legal or regulatory action is reported.

Company involved
ScaleFactor

10 source articles · read the reporting →

California DMV suspends Cruise LLC driverless and deployment permits

The California Department of Motor Vehicles suspended Cruise LLC's autonomous vehicle deployment and driverless testing permits, saying the vehicles were not safe for public operation and that Cruise had misrepresented safety information. The suspension took effect immediately under California regulations. Cruise may apply to reinstate the permits once it satisfies the department's requirements. Its permit for testing with a safety driver was not affected.

Company involved
Cruise LLC

10 source articles · read the reporting →

Presto Automation uses off-site human agents to double-check AI drive-thru orders

Presto Automation Inc, which markets an AI voice assistant for drive-thru ordering, used off-site human agents in countries including the Philippines to double-check orders in more than 70% of customer interactions, according to SEC filings reported by Bloomberg. The company told Bloomberg that the process helps train its system and should reduce human intervention over time. Presto's drive-thru AI is used in more than 400 restaurants, including Del Taco, Carl's Jr and Checkers, and its stock fell more than 10% after the reports.

Company involved
Presto Automation Inc.

8 source articles · read the reporting →

Cruise alleged to rely on human operators for autonomous driving

A New York Times article alleged that Cruise's autonomous vehicles rely on human operators to achieve autonomous driving, with 1.5 workers per vehicle intervening every 2.5 to five miles. Cruise CEO Kyle Vogt responded on Hacker News, stating that remote assistance is used 2-4% of the time and that many sessions are resolved by the vehicle itself. The company declined an interview request from the NYT.

Company involved
Cruise
AI system involved
Cruise AV

9 source articles · read the reporting →

EvenUp AI errors in personal injury demand letters lead to scrutiny

EvenUp, a legal tech startup valued at $1 billion, uses AI to draft personal injury demand letters. Former employees revealed that the AI system frequently makes errors, including missing injuries and fabricating medical conditions. The company defends its hybrid approach with human oversight, but critics allege overpromised AI capabilities.

Company involved
EvenUp

6 source articles · read the reporting →

WF-9NLYPS27 Feb 2021

Uber driver locked out of app after shaving head, facial recognition failure alleged

Neradi Srikanth, a 23-year-old Uber driver in Hyderabad, was locked out of the app on 27 February 2021 after shaving his head for a religious pilgrimage. He alleges that Uber's facial recognition system failed to recognise him, preventing him from working and causing him to miss a car loan payment. Uber denies this, stating the account was blocked for repeated community guideline violations, and says its system can handle appearance changes. The driver's union reports similar issues among other drivers, highlighting the lack of accountability for platform technology failures.

Company involved
Uber
AI system involved
Uber facial recognition system

3 source articles · read the reporting →

WF-MRU0QR12 Apr 2022

Uber and Lyft surge pricing after NYC subway shooting leads to refunds

After a shooting on a Brooklyn subway train, Uber and Lyft's automated surge pricing algorithms increased fares for riders in the area. Both companies later disabled surge pricing and stated they would refund customers who were overcharged. The incident highlights the risk of automated pricing systems that cannot account for emergency contexts.

Company involved
Uber and Lyft

6 source articles · read the reporting →

WF-DXNU9O1 Aug 2025

Zoox recalls 332 robotaxis after self-driving cars veer into oncoming traffic

Zoox, Amazon's self-driving car company, recalled 332 robotaxis after they were found veering into oncoming traffic near intersections. The issue was first noticed in August 2025 when a car took a wide right turn crossing the center line. Zoox said no crashes or injuries occurred and fixed the problem with a software update. The National Highway Traffic Safety Administration confirmed the recall and is in ongoing discussions with Zoox.

Company involved
Zoox
AI system involved
Zoox robotaxis

6 source articles · read the reporting →

WF-Y1WBTU22 Mar 2022

Citizens Advice finds ethnicity penalty in car insurance pricing

Citizens Advice conducted exploratory research into car insurance pricing and found that people of colour may be paying £250 more per year than White people. The research suggests that areas with large communities of colour may be identified as more risky by algorithms, even when objective risk factors are controlled. Citizens Advice has called on the Financial Conduct Authority to investigate the issue.

9 source articles · read the reporting →

WF-UF6BMA1 Jan 2018

TransUnion AI tenant screening denied 75-year-old man apartment due to mistaken littering conviction

Chris Robinson, then 75, applied for a senior living apartment in California. The property manager used an AI screening program from TransUnion, which assigned him a low score based on a mistaken conviction for littering that belonged to a different person with the same name in Texas. Robinson lost the apartment and his application fee. A federal class-action lawsuit against TransUnion moved toward a $11.5 million settlement in 2023.

10 source articles · read the reporting →

WF-AN9JEM11 Jun 2018

Cruise Self-Driving Car Rear-Ended by Human-Driven Cruise Vehicle in San Francisco

On 11 June 2018, a self-driving Cruise Chevrolet Bolt was rear-ended by another Cruise vehicle driven by a human employee on Bryant Street in San Francisco. The collision caused only minor scuffs and no injuries. Cruise reported the incident to the California DMV as required. The incident highlights the challenges of autonomous vehicles interacting with human drivers.

Company involved
Cruise

2 source articles · read the reporting →

WF-2CXT6S1 Jan 2018

SEC charges YouPlus and CEO with defrauding investors

The SEC charged machine-learning startup YouPlus and its CEO Shaukat Shamim with defrauding investors. Shamim allegedly made false statements about the company's revenue and customer numbers, including providing falsified bank statements. The scheme unravelled when Shamim confessed to investors that the company had earned less than $500,000 and had only four paying customers since 2013. The SEC is seeking permanent injunctions, civil penalties, and an officer-and-director bar.

Company involved
YouPlus
AI system involved
YouPlus machine-learning tool

1 source article · read the reporting →

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