What's wrong with me?

Everyone has areas where fat tends to accumulate and for many this is in the hips and thighs. In pure Chinese Medicine terms this is generally related to Spleen Qi Deficiency (leading to dampness) or Kidney Qi Deficiency. You should consult with a practitioner locally and have a full intake performed to understand more about the root causes in your particular case. Acupuncture is certainly helpful with weight loss and to a degree toning areas. Another valuable option would be working with a physical trainer, if possible, even for a short term. This can be quite helpful to help isolate these areas.