It may be the same name.

If you have never borrowed money from them, and only your name appears in their loan advertisements without other identity information, it is very likely that it is just the same name. If not only your name but also your phone number, ID number and other identity information appear, then your personal information has been stolen. It would be fine if they just stole your name, but they would be afraid of using your identity to get a loan.

You can check the credit report, and all the loans listed on the credit report will be reflected on it. For online loans, you can go to some big data platforms like Debt Xiaobai to check the relevant big data. Are there any unusual application records for someone other than the person you are applying for?