First, in reference to the lumps and bumps, try to get a good look at the area with a mirror, if possible. Then, you can look at photos of hemorrhoids online to see if they basically match. Of course the best diagnosis would be one from a doctor.
Second - my doctor said that if there's bleeding, the source is generally INTERNAL hemorrhoids. He said that the majority of the external ones don't bleed (but of course there are exceptions.) Internal hems generally go unnoticed until the bleeding starts. They usually don't cause pain, and of course, you can't see or feel them.
And Third - I agree with BellaAyla posted above. She's right in that toilet tissue is extremely irritating to the anal area. Since developing piles and a fissure, my cleanup routine after a BM begins with unscented baby wipes. (ever so gently). I just keep using them until I'm satisfied the area is clean. Then, to be sure, I go into the shower to hose down the area using the handheld shower head. Gotta get into the nooks and crannies!
By the way, my doctor told me to not use any soaps in the anal area.
The area is too tender & painful to dry with a towel, so my final step is drying the area with the blow dryer on low heat or the cool setting.
Hope this helps. Hang in there!