Problems: Sheer amount of color used, and anatomy. Folds in clothes should generally start/end at edges of clothing. Match lower body style with upper body style.
Things I think are cool: eye style and the head, which seems more polished than the rest of the body.
What's wrong with being tan?

Besides that, I think you should draw your colors closer together (technically speaking, unify your palette). You know how light bounces around and colors get spreaded everywhere...