Infection. If you do have bacterial infection, you will need to have antibiotics prescribed. Claritin (loratadine) d is used for symptomatic treatment and doesn't treat any infection. Viral infections usually go away without treatment and will require symptomatic treatment of which Claritin (loratadine) d is one. Your doctor needs to decide what to do next if Claritin (loratadine) d is ineffective.
Inner vs middle ear. The area commonly described as having fluid and infection is the middle ear. Antbiotics (for infection) and decongestants will help remove fluid. Often treating underlying conditions like allergies help too. The inner ear is the actual organ of hearing and balance. Viral infections known as labyrinthitis can cause hearing loss, dizziness/vertigo and tinnitus. Treatment is to relieve symptoms only.