hi i had gone through your query and understand your concerns. i would come up with the possibility of ALLERGC CONTACT DERMATITIS
may be the cause for your sufferings.
-lotion act as an irritant and produce this condition.
there is another possibility like fungal infection
esp ringworm;local examination may confirm the diagnosis
treatment depend upon the underlying cause.
i advise you taking Homeopathic
medicines gives safe and permanent cure for your complaints
consult your local homeopathic physician for correct diagnosis of the case and remedy to fit your complaints
I hope this is helpful for you, thank you