Too sensitive?

So...my vagina is too sensitive to put anything in.... Not my partner's penis, a dildo, not even my fingers. Whenever I try to put anything in, no matter how much lube or how turned on I am, it just hurts. Not sore, but feeling like I'm going to tear.

My first time, it hurt so badly so I asked how deep he was, and he said he didn't even put it in yet. (Embarrassing, I know.) Needless to say, we didn't get very far--and still haven't. (Thankfully he's understanding.)

This is the kind of thing people joke about, "she couldn't even get it in." I read that if I was turned on and relaxed enough, it shouldn't hurt, but I can't even use my fingers without pain, no matter how turned on or wet I am. Basically the only pleasure I can get is just from the clitoris. Does anyone have any advice, or maybe has experienced this as well?