Bags under the eyes, formed of fatty tissue and fluid, form early in some families. Shadows from overhead lighting may cause the appearance of circles, or thin skin on the lower eyelid may let the dark-red or purple inside of the lid show through. If fluid is retained in the body, the bags can get even bigger. Some conditions that cause fluid retention include heart, thyroid, kidney and liver problems, high blood pressure and premenstrual bloating. Some medications can also cause fluid problems.