Apple and investment bank Goldman Sachs mishandled disputes and misled iPhone purchasers about interest-free payment options through their Apple Card partnership, delaying refunds for customers on disputed transactions or leaving damaging information in their credit reports, federal regulators said Wednesday.The Consumer Financial Protection Bureau levied a $25 million fine against Apple and ordered Goldman Sachs to pay a $45 million penalty and at least $19.8 million in customer refunds. The ag...