Consumer finance sent a message that I owed money subjectively and maliciously.

Legal analysis: the online loan is overdue, and it begins to pretend to be a court to send text messages to scare you. If it's a short message summons, it's a lie. When you bring a lawsuit to the court, you will be served with litigation documents and subpoenas, and you need to sign for them. The other party didn't inform you, nor did it tell you by SMS.

Legal basis: Article 84 of People's Republic of China (PRC) Civil Procedure Law * * * The service of litigation documents must have a receipt, and the addressee shall record the date of receipt on the receipt and sign or seal it. The date of receipt by the addressee on the service receipt shall be the date of service.