Business
Apple Card Faces Investigation After Accusations of Gender Discrimination
Published
1 year agoon

- A popular Twitter thread has accused Apple Card, which is put out in partnership with Goldman Sachs, of gender bias.
- A programmer said he got 20 times the credit card limit as his wife, despite the fact that they file joint tax returns and the fact that she has a higher individual credit score than he does.
- Others said they faced similar problems, including Apple co-founder Steve Wozniak, who now holds a ceremonial role at the company.
- Goldman Sachs insisted that gender is not a factor in card applications and approvals, but New York’s Department of Financial Services said it will investigate.
Thread Accusing Apple Card of Gender Bias Goes Viral
The New York Department of Financial Services says it will be looking into potential gender discrimination from Apple Card after several people, including Apple co-founder Steve Wozniak, accused it of having a bias.
Problems with Apple Card, which is made in partnership with Goldman Sachs, first made their way to the surface when programmer and author David Heinemeier Hansson posted a twitter thread accusing it of sexism. He wrote that it approved him of a higher limit than his wife.
I’m surprised that they even let her apply for a card without the signed approval of her spouse? I mean, can you really trust women with a credit card these days??!
— DHH (@dhh) November 7, 2019
According to Hansson, even after his wife paid off her card in full, she was not allowed to spend until the next billing period.
The customer service experience is infuriating too. They’re quick to respond, but nobody is authorized to discuss the credit assessment process. No opportunity to present evidence. Just a “sorry, your wife is deemed to be 1/20th the credit worth you are, check again in 6 months!”
— DHH (@dhh) November 7, 2019
He initially said that customer service was overall unhelpful when trying to address the problem. One day after posting his thread, however, he followed up to say that his wife’s limit was bumped up.
She spoke to two Apple reps. Both very nice, courteous people representing an utterly broken and reprehensible system. The first person was like “I don’t know why, but I swear we’re not discriminating, IT’S JUST THE ALGORITHM”. I shit you not. “IT’S JUST THE ALGORITHM!”.
— DHH (@dhh) November 8, 2019
As for his wife’s experience with Apple, he says she spoke to two representatives. He claims that the first said it was not discrimination and blamed it on the algorithm.
The second encouraged his wife to check her credit score again. Hansson and his wife both ended up checking their scores and learned that his wife actually had a higher score than he did.
So obviously we both furiously signup for the fucking $25/month credit-check bullshit shakedown that is TransUnion. Maybe someone stole my wife’s identity? Even though we’ve verified there was nothing wrong previously. Guess what: HER CREDIT SCORE WAS HIGHER THAN MINE!!!
— DHH (@dhh) November 8, 2019
He continued to share his frustrations with this algorithm and its lack of transparency.
So nobody understands THE ALGORITHM. Nobody has the power to examine or check THE ALGORITHM. Yet everyone we’ve talked to from both Apple and GS are SO SURE that THE ALGORITHM isn’t biased and discriminating in any way. That’s some grade-A management of cognitive dissonance.
— DHH (@dhh) November 8, 2019
Steve Wozniak and Others Back Up the Claim
Once this thread blew up, many others said they had experienced a similar problem.
https://platform.twitter.com/widgets.jsJust read this thread. My wife has a way better score than me, almost 850, has a higher salary and was given a credit limit 1/3 of mine. We had joked that maybe Apple is just sexist. Seems like it’s not a joke. Beyond f’ed up.
— Carmine Granucci (@whoiscarmine) November 9, 2019
Apple co-founder Steve Wozniak, who now holds a ceremonial role at the company, also replied to Hansson. Wozniak said his wife got ten times less than he did, despite them having shared assets and accounts.
https://platform.twitter.com/widgets.jsI’m a current Apple employee and founder of the company and the same thing happened to us (10x) despite not having any separate assets or accounts. Some say the blame is on Goldman Sachs but the way Apple is attached, they should share responsibility.
— Steve Wozniak (@stevewoz) November 10, 2019
He also said his wife had difficulty with customer service, and could not use her card after paying it off as well.
https://platform.twitter.com/widgets.jsJanet made the phone calls to the number given but got nowhere. She also has paid off her card totally but still can’t use it until the next billing cycle.
— Steve Wozniak (@stevewoz) November 10, 2019
In a Sunday interview with Bloomberg, Wozniak elaborated on his concerns about Apple Card and the algorithm behind it.
“These sorts of unfairnesses bother me and go against the principle of truth. We don’t have transparency on how these companies set these things up and operate,” he told the outlet. “Our government isn’t strong enough on the issues of regulation. Consumers can only be represented by the government because the big corporations only represent themselves.”
“Algos obviously have flaws,” he added. “A huge number of people would say, ‘We love our technology but we are no longer in control.’ I think that’s the case.”
Goldman Sachs and New York’s DFS Respond
While some did respond to both Hansson and Wozniak saying they did not experience this, tweets accusing Apple Card of gender bias blew up, prompting several responses.
Goldman Sachs released a statement on Sunday saying that, “In all cases, we have not and will not make decisions based on factors like gender.”
We wanted to address some recent questions regarding the #AppleCard credit decision process. pic.twitter.com/TNZJTUZv36
— GS Bank Support (@gsbanksupport) November 11, 2019
“With Apple Card, your account is individual to you; your credit line is yours and you establish your own direct credit history,” the statement read. “Customers do not share a credit line under the account of a family member or another person by getting a supplemental card.”
They also said that applications are evaluated independently, looking at things like income, credit score, and debt management.
Linda Lacewell, the Superintendent of the New York State Department of Financial Services said she would be looking into the matter.
“We will work to investigate what may have gone wrong, and if the algorithm used by Apple Card did indeed promote unlawful discrimination we will take appropriate action,” she wrote in a Medium post on Sunday. “But this is not just about looking into one algorithm — DFS wants to work with the tech community to make sure consumers nationwide can have confidence that the algorithms that increasingly impact their ability to access financial services do not discriminate and instead treat all individuals equally and fairly no matter their sex, color of skin, or sexual orientation.”
She encouraged consumers who have been affected by this, as well as tech leaders who have commentary on it, to reach out to New York’s DFS.
See what others are saying: (Business Insider) (The Verge) (Bloomberg)
Business
FDA Recalls 11,000 Ice Cream Containers and Sportsmix Pet Food Products
Published
1 week agoon
January 13, 2021
- Over 11,000 cartons of Weis Markets ice cream were recalled after a customer discovered an “intact piece of metal equipment” inside a 48-ounce container of the brand’s Cookies and Cream flavor.
- The FDA also expanded a recall of Sportsmix pet food over concerns that the products may contain potentially fatal levels of aflatoxins.
- So far, more than 70 dogs have died and more than 80 pets have become sick after eating Sportsmix food. The agency recommends taking your pet to a veterinarian if they have eaten the recalled products, even if they aren’t showing symptoms.
Metal Pieces in Weis Ice Cream Cause Massive Recall
The Food and Drug Administration announced two major product recalls this week following serious consumer complaints.
The first came Sunday when the agency revealed that over 11,000 cartons of Weis Market ice cream were recalled. “The products may be contaminated with extraneous material, specifically metal filling equipment parts,” the FDA’s statement explained.
At least one customer discovered an “intact piece of metal equipment” inside a 48-ounce container of the brand’s Cookies and Cream flavor.
Those containers were available in 197 Weis Market grocery stores, but they have already been pulled from shelves. The products have a sell-by date of October 21, 2020, and customers who purchased the product can return it for a full refund.
Along with removing 10,869 units of the Cookies and Cream containers, the brand also recalled 502 3-gallon bulk containers of Klein’s Vanilla Dairy Ice Cream.
Those bulk containers were not for retail sale, but were instead sold to one retail establishment in New York and have since been removed.
Sportsmix Recall Follows 70 Pet Deaths, 80 Illnesses
The second major recall came Tuesday when the FDA expanded a recall of Sportmix dog food.
According to the agency, the product may contain potentially fatal levels of aflatoxins – toxins produced by the Aspergillus flavus mold, which can grow on corn and other grains used as ingredients in pet food.
As of Tuesday, more than 70 pets have died and more than 80 have gotten sick after eating Sportsmix pet food. Not all the cases have been officially confirmed as aflatoxin poisoning at this time. This count also may not reflect the total number of pets affected.
For now, the FDA is asking pet owners and veterinary professionals to stop using the impacted Sportsmix products that have an expiration date on or before July 9, 2022, and have “05” in the date or lot code.
More detailed information about the recalled products can be found on the FDA’s announcement page.
Pets experiencing aflatoxin poisoning may have symptoms like sluggishness, loss of appetite, vomiting, jaundice, and/or diarrhea. In some cases, this toxicity can cause long-term liver issues without showing any symptoms. Because of this, pet owners are being advised to take their animals to a veterinarian if they have eaten the recalled products, even if they aren’t showing symptoms.
There is currently no evidence that pet owners who have handled the affected food are at risk of aflatoxin poisoning. Still, the FDA recommends that wash your hands after handling pet food.
See what others are saying: (CNN) (USA TODAY) (PEOPLE)
Business
Signal and Telegram Downloads Surge After WhatsApp Announces It Will Share Data With Facebook
Published
2 weeks agoon
January 12, 2021By
Lili Stenn
- Downloads for Signal and Telegram have skyrocketed in the last week, with the encrypted messaging apps boasting 7.5 million and 9 million new followers, respectively.
- The growth comes after WhatsApp said it will require almost all users to share personal data with its parent company Facebook.
- It also comes after Parler’s shutdown and bans against President Trump from Twitter and Facebook, which prompted his supporters to turn specifically to Telegram.
Telegram and Signal See Big Boost
Downloads for the encrypted messaging apps Signal and Telegram have surged in the last week after WhatsApp announced that it will start forcing all users outside the E.U. and U.K. to share personal data with Facebook.
Last week, WhatsApp, which is owned by Facebook, told users that they must allow Facebook and its subsidiaries to collect their phone numbers, locations, and the phone numbers of their contacts, among other things.
Anyone who does not agree to the new terms by Feb. 8 will lose access to the messaging app. The move prompted many to call for people to delete WhatsApp and start using other services like Signal or Telegram.
Now, it appears those calls to use other encrypted messaging apps have been heard. According to data from app analytics firm Sensor Tower, Signal saw 7.5 million installs globally through the App Store and Google Play from Jan. 6 to Jan. 10 alone, marking a 4,200% increase from the previous week.
Meanwhile, Telegram saw even more downloads. During the same time, it gained 9 million users, up 91% from the previous week. It was also the most downloaded app in the U.S.
WhatsApp responded to the exodus by attempting to clarify its new policy in a statement Monday.
“We want to be clear that the policy update does not affect the privacy of your messages with friends or family in any way,” the company said. “Instead, this update includes changes related to messaging a business on WhatsApp, which is optional, and provides further transparency about how we collect and use data.”
We want to address some rumors and be 100% clear we continue to protect your private messages with end-to-end encryption. pic.twitter.com/6qDnzQ98MP
— WhatsApp (@WhatsApp) January 12, 2021
Other Causes of App Growth
Notably, some of the spikes in the Telegram downloads, specifically, also come from many supporters of President Donald Trump flocking to alternative platforms after Parler was shut down and Trump was banned from Twitter and Facebook.
Far-right chat room membership on the platform has increased significantly in recent days, NBC News reported. Conversations in pre-existing chatrooms where white supremacist content has already been shared for months has also increased since the pro-Trump insurrection at the U.S. Capitol last week.
According to the outlet, many of the president’s supporters have moved their operations to the app in large part because it has very lax community guidelines. Companies like Facebook and Twitter have recently cracked down on groups and users sharing incendiary content, known conspiracy theories, and attempting to organize events that could lead to violence.
There have been several documented instances of Trump supporters now using Telegram channels to discuss planned events and urge acts of direct violence. Per NBC, in one channel named “fascist,” users have called on others to “shoot politicians” and “encourage armed struggle.” A post explaining how to radicalize Trump supporters to become neo-Nazis also made rounds on the “fascist” channel, among others.
Membership one channel frequently used by members of the Proud Boys has grown by more than 10,000 in recent days, seeming to directly attract users from Parler.
“Now that they forced us off the main platforms it doesn’t mean we go away, it just means we are going to go to places they don’t see,” a user posted in the chatroom, according to NBC.
See what others are saying: (NBC News) (Business Insider) (CNBC)
Business
Pornhub Removes All Unverified User Uploads, Taking Down Most of Its Videos
Published
1 month agoon
December 14, 2020By
Lili Stenn
- Pornhub is now removing all videos that were not uploaded by verified users.
- Before the massive purge, the site hosted around 13.5 million videos. As of Monday morning, there were only 2.9 million videos left.
- The move is part of a series of sweeping changes the company made days after The New York Times published a shocking op-ed detailing numerous instances of abuse on the site, including nonconsensual uploads of underage girls.
- Following the article, numerous businesses cut ties with the company, including Mastercard and Visa, which both announced Thursday that they will not process any payments on the site.
Pornhub Purges Videos
Pornhub removed the vast majority of its existing videos Monday, just hours after the company announced that it would take down all existing videos uploaded by non-verified users.
According to reports, before the new move was announced Sunday night, Pornhub hosted about 13.5 million videos, according to the number displayed on the site’s search bar. As of writing, that search bar shows just over 2.9 million videos.
The decision comes less than a week after the company announced it would only allow video uploads from content partners and members of its Model program.
At the time, Pornhub claimed it made the decision following an independent review launched in April to eliminate illegal content. However, many speculated that it was actually in large part due to an op-ed published in The New York Times just days before. That piece, among other things, found that the site had been hosting videos of young girls uploaded without their consent, including some content where minors were raped or assaulted.
The article prompted a wave of backlash against Pornhub and calls for other businesses to cut ties with the company. On Thursday, both Visa and Mastercard announced that they would stop processing all payments on the site.
“Our investigation over the past several days has confirmed violations of our standards prohibiting unlawful content on their site,” Mastercard said in a statement.
Less than an hour later, Visa tweeted that it would also be suspending payments while it completed its own investigation.
Given the allegations of illegal activity, Visa is suspending Pornhub’s acceptance privileges pending the completion of our ongoing investigation. We are instructing the financial institutions who serve MindGeek to suspend processing of payments through the Visa network.
— VisaNews (@VisaNews) December 10, 2020
Pornhub Claims It’s Being Targeted
However, in its blogpost announcing the most recent decision, Pornhub claimed that it was being unfairly targeted.
Specifically, the company noted that Facebook’s own transparency report found 84 million instances of child sexual abuse content over the last three years. By contrast, a report by the third-party Internet Watch Foundation found 118 similar instances on Pornhub in the same time period.
Notably, the author of The Times report, Nicholas Krisof, specifically said the Internet Watch Foundation’s findings represented a massive undercount, and that he was able to find hundreds of these kinds of videos on Pornhub in just half an hour.
Still, the site used the disputed numbers to point a finger at others.
“It is clear that Pornhub is being targeted not because of our policies and how we compare to our peers, but because we are an adult content platform,” the statement continued.
“Every piece of Pornhub content is from verified uploaders, a requirement that platforms like Facebook, Instagram, TikTok, YouTube, Snapchat and Twitter have yet to institute,” the company added.
However, Pornhub’s implication that it is somehow more responsible because it only let verified users post content is a highly impractical comparison. First of all, Pornhub is a platform created exclusively for porn, content the social media companies the company name-checked explicitly prohibit.
Second of all, and the vast majority of people who use those platforms are not verified, and it would be impossible for a company like Facebook or YouTube to limit content to only verified users without entirely undermining their own purposes.
Verification Concerns
Even beyond that, there are also still questions about Pornhub’s verification process. According to their site, all someone needs to do to become verified is to simply have a Pornhub account with an avatar and then upload a selfie of themselves holding a piece of paper with their username and Pornhub.com written on it.
While the company did tell reporters the process would be made more thorough sometime next year, they did not provide any specific details, prompting questions about exhaustive the verification process will ultimately be.
That question is highly important because, at least per its current policies, the verification process makes it so users are eligible to monetize their videos as part of the ModelHub program.
If the new verification process is still weak or has loopholes, people could easily slip through the cracks and continue to profit. However, on the other side, there are also big concerns among sex-workers that if the process is too limited, they will be able to make money on the platform.
That concern has already been exacerbated by some of the other actions taken since The Times article was published. For example, after Mastercard and Visa made their announcements, numerous sex workers and activists condemned the decision, saying it would seriously hurt how porn performers collect income — not just on Pornbub, but on other platforms as well.
“By targeting Pornhub and successfully destroying the ability for independent creators to monetize their content, they have made it easier to remove payment options from smaller platforms too,” model Avalon Fey told Motherboard last week. “This has nothing to do with helping abused victims, and everything to do with hurting online adult entertainers to stop them from creating and sharing adult content.”
Other performers also expressed similar concerns that the move could spillover to smaller platforms.
“I am watching to see if my OnlyFans will be their next target and sincerely hoping not,” amateur performer Dylan Thomas also told the outlet.
“Sex workers are scared by this change, despite not having uploaded any illegal content,” Fey continued, “because we have seen these patterns before and have had sites and payment processors permanently and unexpectedly shut down.”
See what others are saying: (Motherboard) (The Verge) (Bloomberg)

WOW! Joe Rogan COVID Controversy, National Guard Outrage, Megan Thee Stallion Fake News, & More News

House To Send Impeachment Article Monday, Starting Impeachment Trial Process

Russia Orders Social Media Sites To Block Calls for Navalny Protests

Joe Rogan Says Grimes Did Not Give Dave Chappelle COVID-19

Florida Cracks Down on “Vaccine Tourism”

Black Mirror or Reality? Microsoft Granted Patent for Tech That Lets It Create Chatbots of Dead People

Biden Signs 17 Executive Order During His First Day in Office. Here’s What You Need to Know

U.S. To Join WHO-led Vaccine Distribution Plan as Biden Implements a Flurry of COVID-19 Executive Orders

Accusations Against Chinese Actress Shine Light on the Nation’s Surrogacy Laws

JoJo Siwa Fans Caution Against Labeling the Star’s Sexuality

Amanda Gorman Wows the Nation With “The Hill We Climb”

Cosplay Instagram Star Belle Delphine Trolls Followers With PornHub Account

Mia Khalifa Shuts Down Death Rumors, Sparks Conversations About Plastic Surgery and Adult Film Industry

Instagram Users Tell Skai Jackson to Stop Posting About Cameron Boyce

Billie Eilish Fans Call Out Twitter User for Sexualizing the Underage Singer

Ace Family’s Austin McBroom and Team Accused of Rape

Joe Rogan Denies Spotify Censorship Rumors, According to Alex Jones

Man Kills 17-Year-Old Bianca Devins and Posts Photos Online

YouTuber MrBeast Responds to Criticism of Massive Tree Planting Project

Netflix Apologizes and Changes Marketing Materials for “Cuties” After Backlash

YouTuber Coffee Break Accuses Kurzgesagt of Being Untrustworthy, Founder Responds

The Onision Controversy Explained

WOW! Joe Rogan COVID Controversy, National Guard Outrage, Megan Thee Stallion Fake News, & More News

Trump OUT. Biden IN. What Happens Now? Inauguration 2021, Last Second Pardons, & More News

Dear Jamie, BE HONEST! ARE YOU KILLING THOSE CATS?! Also Barstool, Cody Ko, MrBeast, Navalny, &

Why Joe Rogan is Scared, Strange Armie Hammer Allegations, Justice League, Flint, UFOs, & More News

Banned From Youtube! Belle Delphine Outrage, PewDiePie, AOC, Trump Impeached Again, & More News

HOW ARE PEOPLE THIS STUPID?! New Arrests, Rumble, The Rock, Ryan Reynolds, TheGrefg, & More News

This is so Dumb & Scary! Zendaya, Corpse Husband, Bitcoin, 25th Amendment, Parler Sues, & More News

WOW! David Dobrik Scam Accusations, Horrifying Exposé Sparks Deletion, & More Cyberpunk 2077 Fallout

DISGUSTING! What They Aren’t Telling You About This New Ban & Today’s Ws and Ls: Valkyrae, SCOTUS, &

WHO IS LYING? Video Exposes Controversial Florida Raid & Olivia Jade Felony Scandal Redemption Tour

The Truth About Logan Paul: The Most Successful Loser Ever. Gal Gadot, HBO Max, Georgia Runoffs, &

Belle Delphine Responds To Outrage After Tweeting Out Graphic Photos

Capitol Officer Used Himself as a Distraction To Lead Mob Away From Elected Officials During Insurrection Attempt

FDA Recalls 11,000 Ice Cream Containers and Sportsmix Pet Food Products

Netflix Will Release a New Movie Every Week in 2021

Vogue Faces Backlash for Using Casual Photo of Kamala Harris on Print Cover

House Impeaches Trump By Largest Bipartisan Margin in History

Petition Calls for Ban on Sexualized Fanfiction in South Korea

Black Mirror or Reality? Microsoft Granted Patent for Tech That Lets It Create Chatbots of Dead People

Multiple Capitol Police Officers Have Been Suspended, Other Officers Now Under Investigation

Italy Begins Largest Mob Trial in Decades

Signal and Telegram Downloads Surge After WhatsApp Announces It Will Share Data With Facebook

WOW! Joe Rogan COVID Controversy, National Guard Outrage, Megan Thee Stallion Fake News, & More News

House To Send Impeachment Article Monday, Starting Impeachment Trial Process

Russia Orders Social Media Sites To Block Calls for Navalny Protests

Joe Rogan Says Grimes Did Not Give Dave Chappelle COVID-19

Florida Cracks Down on “Vaccine Tourism”

Black Mirror or Reality? Microsoft Granted Patent for Tech That Lets It Create Chatbots of Dead People

Biden Signs 17 Executive Order During His First Day in Office. Here’s What You Need to Know

U.S. To Join WHO-led Vaccine Distribution Plan as Biden Implements a Flurry of COVID-19 Executive Orders

Accusations Against Chinese Actress Shine Light on the Nation’s Surrogacy Laws

JoJo Siwa Fans Caution Against Labeling the Star’s Sexuality

Amanda Gorman Wows the Nation With “The Hill We Climb”

WOW! Joe Rogan COVID Controversy, National Guard Outrage, Megan Thee Stallion Fake News, & More News

Trump OUT. Biden IN. What Happens Now? Inauguration 2021, Last Second Pardons, & More News

Dear Jamie, BE HONEST! ARE YOU KILLING THOSE CATS?! Also Barstool, Cody Ko, MrBeast, Navalny, &

Why Joe Rogan is Scared, Strange Armie Hammer Allegations, Justice League, Flint, UFOs, & More News

Banned From Youtube! Belle Delphine Outrage, PewDiePie, AOC, Trump Impeached Again, & More News

HOW ARE PEOPLE THIS STUPID?! New Arrests, Rumble, The Rock, Ryan Reynolds, TheGrefg, & More News

This is so Dumb & Scary! Zendaya, Corpse Husband, Bitcoin, 25th Amendment, Parler Sues, & More News

WOW! David Dobrik Scam Accusations, Horrifying Exposé Sparks Deletion, & More Cyberpunk 2077 Fallout

DISGUSTING! What They Aren’t Telling You About This New Ban & Today’s Ws and Ls: Valkyrae, SCOTUS, &

WHO IS LYING? Video Exposes Controversial Florida Raid & Olivia Jade Felony Scandal Redemption Tour
