Ruby on Rails creator David Heinemeier Hansson tweeted in Nov 2019 that Apple Card gave him 20x the credit limit of his wife — despite them filing joint taxes and her having a higher credit score. Steve Wozniak replied: '10x here for us, same situation.' Customer service agents told both couples 'the algorithm decided' and couldn't override it. The New York Department of Financial Services opened a formal investigation into Goldman Sachs for sex-based algorithmic discrimination. Goldman eventually admitted it had no visibility into its own model's reasoning.