The other party is not a small loan company at all, but an impostor Gui Li and a liar. The usual means of this kind of fraud is to induce you to "register your personal information" and "sign a contract" in the name of winning a prize, getting a loan, getting a card, etc. And then make up all kinds of reasons to cheat money. If you refuse to be cheated, the swindler will tell you that you have been prosecuted (pretending to be a court) on trumped-up charges such as suspected breach of contract, falsely claiming to send you a subpoena, and even take coercive measures to scare you into paying the so-called liquidated damages, termination of the contract and settlement.
Ignore these liars! If you call to harass you, tell him that you have reported the case, and persuade him to turn himself in to the public security bureau to repent and fight for leniency, or just send him two words: fuck off!