I'm not a doctor, but I have had to deal with both.
If you have tinea, and you put a steriod creme on it, it may get much, much worse. If it is eczema and you treat with an anti fungal, it probably won't get any worse, but won't get better either.
When you say this stuff makes you feel like you just got done working out, is it more than skin deep? Is there swelling? and is it spreading (circle it with a marker to see if it gets bigger)? If so, you may have a staph (or other bacterial) infection, which can kill you if it gets out of hand, and quickly. Neither eczema nor tinea, in my experience, will cause any significant swelling, they are just superficial and really annoying.
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