What is the reason why I don't borrow money from Zhaolian Finance and always call and send text messages asking me to pay back the money?

It is very likely that your personal information was leaked, so someone used your personal information to borrow money from this financial institution. So I think you should really find out where your personal information was leaked at this time and ask your family if they used your personal information to borrow money. If your family's answer is no, you should report it to the public security bureau. Because if you don't pay back the money, your personal credit will be problematic and your loan will be affected.

So I think you should go to the public security bureau to solve these loans. Tell the public security bureau that you didn't answer it yourself, but someone answered it with your information. Then you can get out of trouble.

At that time, this financial institution can't find you even if it wants to pay back the money. But also find the suspect in the room. Many people's personal information is leaked, and some people will ask for money back. So be sure to protect your personal information and never let them leak it out. There will also be some liars. They even set up a website and then trick people into entering personal information. I think the website that allows people to input personal information must be a big company like Alipay or WeChat to have credit. If other companies ask you to input these things, you must think about it. Especially some small apps, don't enter personal information on them. If you enter it, it may really be leaked, and others will use your identity information to register micro-loan products. Maybe you'll be in huge debt then. So we still can't reveal our information, so we should be careful.

Especially some unknown websites, don't go to that website, and you can't enter bank card information or ID card information on it. Then you can't download some unknown apps and let them get some permissions on your mobile phone.