Is it reliable to send text messages to Beijing Chaoyang Finance to mediate disputes?

That depends on which department sent it,

How did you send it? If you owe the online loan and don't pay it back, the strange number will send you a mediation notice via SMS, saying that you constitute loan fraud and so on, and then the loan company will send it to you privately, which is made up by itself to scare you. If the court sends it to you, it's true. The notice issued by the court is usually sent to you through 12368 or through the trial information network.