Vaginal Blockage, Is this normal?

As you can tell, I am super inexperienced, but you can't blame me! I CANNOT talk about these things with my mom. Just so you know, I am not someone who can't tell the difference between my vagina and butt hole. I can't get a tampon in during my period, it just kinda stops halfway and is a little bit painful. So there's this skin sort of thing in my vagina, it kind of pokes out, I can't put in a tampon. I also can't masturbate, I tried a few times and it is just uncomfortable. I tried reaching one finger in and realized it covers the inside (it is like a flap on the inside) but it has a small hole in it, which is how I get my periods. I looked up a whole bunch of stuff and pretty much there are a few things that it could be, but I am not sure. When I looked it up there were a bunch of comments saying that it was part of the labia or the hymen. They were pretty much telling other people that they were wrong and that there was nothing wrong with their vaginas. Which pissed me off because I know there is and thanks to them, I can't seem to get an answer. Please help!

Edit: I can't see my OBGYN because I don't have one!! And like I said, my mother and I could never have this conversation