I am sorry to hear this is happening. Unfortunately this is difficult to diagnosis over the internet, please see your doctor to exam your nails and get a thorough health history to determine what's going on.
We have dealt with these pesky molluscum with our daughter also, fortunately she did not have much discomfort with hers and we opted to not get them treated. While waiting for additional response I wanted to pass along this information.
Click here to see a discussion with expert response from our Parenting Community which may be helpful.