I am being charged for Apple services, but I have not subscribed.

See the following instructions. They include information on contacting Apple Support if the other steps don't help: If you see 'apple.com/bill' or an unfamiliar charge on your statement - Apple Support

This is primarily a user-to-user support forum; other Apple users like you. No one here can cancel or refund for you. See each of the steps in the following instructions. They include information on contacting Apple Support if the other steps don't help: https://support.apple.com/en-us/HT201382

I've been charged without subscription.

Please cancel nd refund.