Living opposite the train tracks Whitaker said she had seen people taking risks at this rail crossing several times before, including trying to beat the train and doing "silly things".
"Obviously, the train and lights were there to be seen and it appeared the car has come over the train tracks and drove in front of the train."
But she said no matter what caused the crash it was an "absolute tragedy".
"This is a tragic incident. Our thoughts are with all those involved and their families."
He said KiwiRail staff were on the scene to assist police and emergency services.
The train was travelling from Mount Maunganui to Kawerau.
"The crossing has lights and bells... the line will remain closed until clearance is received from the police," Miller said.
Rail safety not for profit organisation Tracksafe New Zealand Foundation manager Megan Drayton said it extends its deepest sympathy to everyone affected by the tragic vehicle and train collision.
"It goes without saying that this incident is an absolute tragedy for all concerned - the victims, their friends and families, witnesses, emergency services personnel and the locomotive engineer [train driver] and other rail staff affected.