If you do not have a loan in your name but have liabilities, it is probably due to the following reasons:

1. You have provided guarantee for other people’s loans, and as a guarantor, you You need to bear corresponding repayment responsibilities within the scope of guarantee liability. If the borrower fails to repay the loan, the lender will naturally ask the guarantor to repay it on his behalf.

2. Personal information was accidentally leaked, and someone else stole the identity and borrowed a loan under a false name. Therefore, the loan was charged to oneself, and the lending institution/platform will use the information retained by the other party. Go directly to yourself for collection.

3. The spouse has borrowed a loan. Since the loan funds are used for family and living expenses, he/she also needs to bear the corresponding repayment obligations.

4. You have a credit card under your name, or other credit payment instruments such as Ant Huabei, JD Baitiao, etc., but after making purchases, you have not repaid the bill in time, thus forming a liability.

5. Some criminals use the name of a financial institution to say that they have unpaid loans, and then ask themselves to pay back the money quickly, so as to defraud money.