Jessica Lynch was a U.S. soldier. Her story became quite famous during the Iraq War. She was captured and later rescued. It was a story that got a lot of media attention at that time.
If the 'Wild Bill' in 'Wild Bill the True Story' is not Hickok, it could be some other local hero or character. There were many people in history with colorful nicknames. This 'Wild Bill' could be someone who had a significant impact on the community where the story is set, perhaps a man who fought against injustice, or who had some remarkable feats that made him stand out in the local lore.
The consequence could be that she has to pay a late fee. In many fanfics, there are rules similar to real life. If she forgets to pay the water bill, she'll probably get a notice first, and if she still doesn't pay in time, there will be an additional charge. This could put a strain on her finances, especially if she's not well - off in the Twilight - inspired world of the fanfic.
Since there's no additional information, it's hard to say. It could be that Jessica Bergman is an ordinary person with a story known only to her family and friends, or she could be a local figure in a specific community. Maybe she overcame some personal challenges in her life, like health issues or relationship problems, but again, this is all speculation without more details.