We are applying for a home equity liine of credit. The bank says we have to give them our bills?

We are asking for the loan so we can consolidate bills. I thought home equity lines were for anything you wanted. Now the bank says the only way to get the loan is to give them our bills and they want us to pay a loan off that we didn't intend to pay. They also want to loan us more than we wanted. Our debt to income ratio is not that great (we make about $3,000 a month) but our net worth looks good. In all we owe about $20,000 on credit payments but our net worth is over $300,000 and our credit score is 783. I don't like the fact that the bank is not allowing us to decide which bills we want to pay. Are we wrong in thinking we should be allowed to decide what to do with the loan?