Need some thoughts

So I have been pretty much bleeding for a month now. Some days it’s super light, other days it’s like the floodgates opened up. I’ve also been passing a bunch of tissue and clots. Mild to moderate cramping started a week ago.

I’m not sure what to think. My OBGYN had me get an HCG level drawn but said it will come back negative. She said it’s stress but when I get stressed, I miss periods. I’ve never spotted before so this is definitely out of the ordinary. She also said it could be a chemical pregnancy??? But everything I’ve read on that, you don’t bleed this long! 😫

Been trying to get pregnant for almost 5 years. This is definitely more worrisome than not having a cycle for 13 months.