I'd personally prefer home based ingredients to treat under eye bags/circles. First and foremost, sleep well and keep stress miles away from you. A good sleep should help reduce under eye circles / dark circles. Besides, there are a whole lot of ingredients that help you get rid of your dark circles. Cucumber, potato, rose water, multani mitti (fuller's clay), papaya, vitamin E oil, almond oil, tomatoes, lemon and green tea (I have saved the best for the last). Potato and cucumber, you can either cut thin/thick slices of the veggies and place them under your eyes or make a juice out of it. Then pour it into your ice cube moulds and rub those potato/cucumber based ice cubes on your dark circles (people with sinus issues, this ice cube method is not for you). If you prefer to use vitamin e or almond oil to treat your dark circles, make sure you apply the oil before you go to sleep. When the oil stays over a night on your under eye area, you're sure to expect positive results. Multanai mitti has a very cooling effect on your skin, thereby it not only rejuvenates your skin but also fights dark circles.
Under eye creams or roll-ons does work well but most of the time fail to provide a complete result. Dark circles might tend to fade but does not provide a fulfilling result. If you have been struggling with these under eye circles for quite some time and you can't fight it alone anymore, then you need to consult your dermatologist and undergo proper treatment to get rid of your dark circles.