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None. This is a dispute regarding an inconsistencies on my billing from Wells Fargo Dealer Services. They had reported my payments to the credit bureau as late, twice. To my knowledge, I have made my payments on time every month either online or over the phone. My monthly payments has fluctuated each month without any written disclosure letting me know as to why, I have made my payment regardless. I have never gotten a single written statements from this company since I started making my payments and I made time to call this company that since I am going back XXXX that I will be doing business online, I was told that it was okay and noted and that I should sign up with their paperless program and I did. I have done every effort on my part ; pay on time as agreed, call to let them know that