Why do people who auction loans often call me and say who I am as an emergency contact, and send me text messages to urge that person, and I don't even know that person?

Don't be surprised that others must know your phone number through other channels. Personal information disclosure is too serious now, which is normal. Then you need to fill in the contact information when you apply for a loan, so you fill in your phone number. In this way, you can't find anyone else in the future, and you don't have to worry about being harassed.

In this case, the best way to deal with it is to set up SMS harassment interception, and you will be fine! If there are harassing calls, just blacklist them directly!