I have a lump of skin on my right middle finger, in the corner of my nail under my cuticle. At least I think it's skin, it could be a wart, that's what I always got told. It's been there for a few years now, it has never bothered me or seem to get infected. It does bleed if it's ever cut open. I've attempted to remove it with finger nail clippers, but it's painful if I try to cut it too deep. I've been putting wart remover on it for the past few days, and the skin has been flaking. Is this working? What is it, and how can I get rid of it?