Eczema maybe?

I have a place on my wrist that has been bothering for a while. At first, I thought it might be eczema, but after consulting with my mom, I think it might be a callous of some sort. No matter what it is, I really wish it would go away. I hate it and now it is so big I can’t hide if by wearing a bracelet anymore like I used to. I have tried scrubbing the area with a loofa in hopes of getting the dry skin off and even applied every moisturizer known to mankind. I have no clue what to do except talk to my doctor at my next appointment which will not be until February. Hopefully she can figure out what this place is and recommend a solution for fixing it.