Is this a Wart??

[JayReynold54]

I developed a painful callus on my right side of the  index finger about 3 years ago. It's hurts when pressed, not really too noticeable either. The callus will build up, then I will use a pumice to bring it down. Sometimes I'll use the pumice excessively until I break the skin which results in bleeding and a patch of raw skin that burns. At this point the skin will appear almost as a circular dent until the callus part begins its process again. Now I developed the same issue on the same finger on my left hand. This doesn't appear to look like any of the wart pictures I've seen. I've tried using freeze away, the wart band aids and wart gel. Nothing works. For a visual, imagine a small callus on the outer side of your index finger, where there should be a finger print still, now has a little swirl that doesn't follow the pattern. Can this be something else? What can I use to treat it? No health insurance so seeing a derm is out of the budget. I use my hands for delicate work quite often, please help!