I've had one, actually. Just one. Ever. But I dived for it.
I gave one away last night and they put it over the bar to one side as I dived the wrong way.
They shouldn't have had the penalty, so it felt fair enough. My CB nicely tackled their striker as he was attempting to shoot and my defender came away with the ball. The ref then gave a penalty for what happened next. The tackled striker stumbled forward after the first tackle straight into one of my other defenders who had thrown himself in front of the shot that the striker had been winding up for a couple of seconds earlier.
It was one of those moments where you really have no idea what happened until you see the replay.