PayPal Payday Loan Complaint

PayPal Payday loan department,

Received a loan I didn't apply for District of Columbia

I tried to make a $15.00 purchase and a $30.00 purchase from - - on Sunday - -. While I thought I was using my regular PayPal account linked to my bank account for the purchases, I was led through - simple questions that looked like verification questions ( birthday and - digits of social security number ) and presto, I received a loan without even knowing it!!! I am in the process of buying a home and had a near - credit rating. I never wanted a loan for - dollars of purchases, especially when I am in the process of applying for a home mortgage ( which takes weeks, not - entries to verify identity ). My lender notified me on -, - - that I had applied for a loan -.i had never heard of the company and neither had he. After doing Internet research, I learned that PayPal did a hard credit check without me even realizing that it had happened. I called PayPalCredit and they gave me the classic excuses for why they ca n't do anything to help me. I immediately transferred $45.00 from my regular PayPal account to pay off the balance of the PayPal Credit loan I never intended to have. I then closed the PayPal credit account. I then asked about the interest rate and learned that the rate was 19+ %. This is obviously a bait and switch that PayPal is using to trick people into paying 19 % interest in balances for purchases without even being aware that it happened. I need help removing this entry from my credit report because this deceptive company refused to help me after speaking with - different people at the company in profressive levels of management.