Why didn't I get a loan from Banyan Tree, so you sent me a text message asking me to pay it back?

It may be that the lending institution sent the wrong text message, or that someone else left the user's mobile phone number by mistake when applying for a loan.

The first case can be ignored, because such short messages are generally sent in groups, and users can directly block them. The latter user can contact the lending institution and tell the lending institution that others have left their mobile phone numbers. As long as the lending institution deletes the user's mobile phone number information, subsequent users will not receive the information.

Because most users' mobile phone numbers are not confidential, it is possible for others to get their own mobile phone numbers to apply for loans. As long as the user does not provide the verification code to the stranger, there will be no case of identity theft to apply for a loan. Moreover, users can check whether there is a loan in their own name by querying. If there is no loan, they can directly ignore some loan information.

Lending institutions generally send repayment information in groups to remind users to repay, so mistakes will also occur. As long as the user has not applied for a loan, he can ignore such information directly.