Group 1: Consumer Complaints Overview - In the first half of 2025, the China Consumers Association received a total of 995,971 consumer complaints, representing a year-on-year increase of 27.23% [1] - Out of these complaints, 509,655 were resolved, resulting in a total economic loss recovery of 452 million yuan [1] - Complaints related to financial services increased significantly, with the volume rising from 0.24% to 0.76% of total complaints [1] Group 2: Education and Training Complaints - The education and training services category saw a substantial rise in complaints, totaling 44,126 in the first half of 2025, up 43.7% from 30,712 in the same period last year [1] - Issues such as vague contract terms, unreasonable refund policies, and misleading advertisements have led to numerous consumer disputes in this sector [2] - The "zero-based high-paying part-time job" advertisements have been particularly problematic, often leading consumers into "training loan" traps [2] Group 3: Case Studies and Legal Actions - A real case highlighted involved a consumer, Ms. Zhang, who faced difficulties with a training institution that failed to deliver promised payments after she enrolled in a course [3] - Complaints related to "pay after learning" schemes have reached 18,298, while those concerning "training loans" have surged to 31,750 [3] - Judicial cases regarding "training loans" have emerged, with courts ruling on disputes arising from misleading educational contracts [4] Group 4: Regulatory and Industry Response - The financial regulatory authorities have previously issued warnings about the risks associated with "training loans," emphasizing the need for consumer vigilance [5] - The market for "training loans" is significant, with various lending institutions and consumer finance companies involved [6] - Recommendations have been made for financial regulators to standardize the "pay after learning" model and enhance consumer protection measures [6][7]