There’s nothing wrong with you! Focus on your clit and other erogenous areas rather than pumping your fingers in and out of you. Many women don’t even find enjoyment in penetration while masturbating. You have to experiment to find what works for you so don’t give up!
Timing is everything. You should be really wet and aroused before your fingers even think about going inside. You can’t just start off with penetration! You have to work up to it. And if it doesn’t feel good, don’t do it! Find out what YOU like instead of what you think you’re supposed to like.