Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX, declare the following to be true and correct to the best of my knowledge and belief : 1. Background and Language Ability My primary language is not English. I have limited proficiency in understanding complex legal and financial documents written in English. Because of this, I rely on clear explanations and truthful disclosures when asked to sign documents.

2. Circumstances of the Vehicle Lease On or about XXXX XXXX I accompanied my then-husband to a Toyota dealership to lease a vehicle.

My husband was the intended and sole lessee of the vehicle and was responsible for all financial obligations related to the lease. 

During the transaction, I was told by the dealership staff that : My Social Security Number and signature were needed only to help approve the deal or obtain better lease terms ; The lease would be in my husbands name only ; I would not be financially responsible for the lease or payments. 

I was never informed, verbally or in writing, that I was being added as a co-lessee or that I would assume financial liability. 

3. Misrepresentation and Lack of Informed Consent I was not provided with : A clear explanation of the legal or financial consequences of signing ; A translated version of the contract ; An opportunity to review the full lease agreement ; A copy of the signed lease documents. 

I was pressured to sign on the spot and was told the deal would not go through unless I signed immediately. At no point was I told that my signature would make me legally responsible for the lease. 

I relied on the representations made by the dealership staff and would never have signed had I known I was being added as a financially responsible party. 

4. Discovery of the Issue I only became aware that I had been listed as financially responsible after negative information appeared on my credit report.

Until that moment : I never received billing statements ; I never made payments ; I never had access to the account ; My husband handled all financial matters related to the vehicle.

5. Disputes and Failure to Correct After discovering the issue, I : Disputed the account with credit reporting agencies ; Provided explanations that I was never informed or authorized the lease responsibility ; Filed an FTC Identity Theft Report. 

Despite this, the inaccurate information remains on my credit report, and no meaningful investigation or correction has occurred. 

6. Legal Violations The actions of the dealership and Toyota Financial Services constitute : Misrepresentation and fraud in the inducement, as I was misled into signing under false pretenses ; Lack of informed consent, rendering any alleged agreement invalid ; Unfair and deceptive practices under federal and California consumer protection laws ; Improper use of personal identifying information, including my Social Security number ; Potential violation of California Civil Code 1632, which requires translated contracts when negotiations are conducted in a non-English language or when a consumer lacks English proficiency.

7. Harm Suffered As a result of these actions : My credit score has been damaged ; I have suffered financial and emotional distress ; My ability to obtain housing and credit has been negatively impacted.

Company response to consumer: Closed with explanation