The primary reason you’re struggling with turtling is due to an inferior neutral game. I’m gonna agree on the notion of switching to Ryu for the time being, since guessing from your posts the only thing you’re getting from picking E.Ryu over regular Ryu is less stun/health.
Against a turtler, the neutral game is important. Obviously when a turtler is in full screen range with a health advantage then that’s the advantageous position. If you can’t approach a turtler properly or punish his mistakes what use is all your combos going to do?
Just some things to keep in mind. Really they apply to everyone but I think these are what can cause the turtler’s undoing.
-Stay on the ground. Most turtlers are pretty much ready for your jump-ins so try not to do that so much. If the opponent has fireballs, make sure to neutral jump or FA through them. I don’t recommend using tatsu/jumping forward unless your opponent is being very predictable.
-Learn strong punish combos. Honestly, strong but simple combos are the combos that get used the most at all levels of play in street fighter. There is literally no reason to do a fancy, difficult combo that uses 2 bars of meter over a 3 hit combo that does the same damage meterless. This is one of the reasons why Ryu is considered a good beginner character.
-Don’t be too eager. Obviously the turtler’s best weapon is the clock, but being overly agressive is what the turtler wants you to do. Constant, safe pressure is what will force them to act.
-When you get the life lead hold your ground. When the tables are turned you actually gain a massive advantage if the turtler has poor offense of his own. Don’t retreat because you don’t want to run the clock yourself you just want to force the turtler to act so you can punish, which IMO is more important.
-Remember that when you knock a turtler down don’t let them escape so easily. Don’t jump in until you get a good timing for safejumps, and learn some setups/ambiguous crossups. Don’t forget you don’t always have to jump in, practice meaty attacks, baiting reversals and even just maintaining optimal spacing.
Just keep in mind that Turtling is an effective strategy, but it’s very basic. It works really well in street fighter especially at low level because play most players don’t really understand how to approach intelligently, have little understanding of the neutral game and they get hit by wakeup DP. The neutral game is more complicated than blocking all the time so you should take advantage of that.