My phone is freaking out

When I try to get into settings a message pops up saying "unfortunately settings has stopped"and goes back out. Also, I can't not play music. When I click to play one it just switches through all my music. I can not play voicenotes on whatsapp or watch videos, (videos on youtube, instagram, none at all! Can't even create a video myself), it just says error. When people try to call me it just ends the call, and I can't call out.

Someone told me it has to be factory wiped but I want to know how to do that without settings. I already tried holding the power and volume keys and factory resetting and it hasn't worked. PLEASE HELP!