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Q: Ford Explorer making loud noises while driving

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When my cousin drives her 04 explore she says it sounds like she's pulling a swing set. What could this be? Also we were looking at the belt and pullies and saw a drop of fluid fall on to the middle bottom pulley. She's got plenty of oil,actually she's way past due for an oil change. The only thing i could think is maybe a seal has gone out but i can't really see where the fluid came from.
My car has an automatic transmission.

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