Jingdong Finance has never used it. Why do you say you have logged in?

If you are sure that you haven't borrowed money from Jingdong Finance, then you don't have to panic. This situation may be that someone else left your mobile phone number before, so the text message was sent to your mobile phone. There is also a small probability that someone else has used your information to borrow money, but this probability is very small.

You can call the customers of Jingdong Finance to ask about the situation, which should be no problem.