ANY TIPS ON BATTLING COMPANIES TRYING TO TAKE FINANCIAL ADVANTAGE OF CONSUMERS?

I am ill of companies (i.e. electric, apartments, water, dungeon phone) perplexing to take value of me as well as get some-more income out of me when accounts have been closed, check me for use which I didn’t use, assign me for things which were damaged prior to I even changed in. How can I quarrel as well as even stop this from all the time happening?