PayPal Money Transfers Complaint

PayPal Money transfers department,

Domestic (US) money transfer Other service issues New Jersey

I was making a payment for an item I purchased on eBay through PayPal. While making the payment, Paypal had me put in the DOB and SSN. I did not realize I was signing up for credit line with Paypal. They pulled my credit and gave me a line which I did not want. This is a very deceptive practice. How can they get away with it?