Orgasm problem:my coochie or him?

Ive been with this guy for a year now and the sex is great. We know each other well on likes and dislikes. foreplay, sex, everything feels good... BUT i literally cant orgasm while he is inside of me. He could be eating me out and Ill orgasm, rubbing me and ill orgasm, but if he tries to finger me or penetrate me I CANT orgasm. Is there something wrong with me? Is it him? It all feels good, i just cant seem to climax if there is something in me.