1.   Cramming is only one telephone billing problem facing consumers.

2.   In Japan, the National Consumer Information Center last spring released preliminary figures on problems consumers had encountered related to transactions on the Net.

3.   Our report on the problems one consumer had in tracking down the new hybrid car from Toyota prompted varied responses from readers.

4.   The annual study monitors the number and types of problems consumers have had with vehicles that are four to five years old.

5.   These problem consumers are engaged in compulsive shopping, competitive shopping and revenge shopping.

6.   U.S. stocks fell as DuPont Co. warned that business is slowing and concern grew that problem consumer loans are increasing.