Stomach issues, 2+ years. stools pale has little black spots

For the past two years or so I've had "strange stools." I have diarrhea and loose stool often. The stool is often pale and/or has little black spots and what I'd describe as little pieces of debris - little dull colored specks. My stomach gets upset often, doesn't seem to be anything in particular. Sometimes the inside of my rectum itches/gets sore/chapped feeling. I recently ran out of insurance but before I had my gallbladder removed because the test it wasn't releasing enough bile (I think it was 18%). That didn't help in the least. I also had a colonoscopy which came back negative. I was planning on doing an endoscopy but as I said insurance expired. Once in a great while there is a spot of blood on the toilet paper but nothing significant. Also sometimes I'll whipe without a bowel movement and get a bright yellow mucus? They also did the test for gluten intolerance which I don't have. Anyone have similar issues/any idea what could be the problem? Also my gut seems to stick out disproportionately and occasionally and occasionally I have soreness in my sides. Any info much appreciated! Thanks.