Why do you receive the payment information without borrowing money?

because personal information was leaked.

If personal information is leaked and someone borrows money in your name, you will receive a dunning message. You can go to the People's Bank of China to check your personal credit information. If there is no debt, just ignore the short interest on the dunning.

It is also possible that the mobile phone number was used by someone before, and it was bound to the loan platform.