I guess u configured something in the wrong way.
I didn't train myself since long time, and now, against "incredible" mode, I can hardly win a point ...
Set your player as you want, then set your opponent strength to "hard" and set his characteristics to 75%, it should be hard enough.
==> Take care to set the 2nd player, not the 3rd nor 4th one.
No, there's no female players in the game.
In tournament mode, you'll always play against the same AI global level (u'll have to choose it when u create your player), but every opponent will have different skills, and that's enough to offer a varied challenge, adapted to your own natural ability : u really can know the difference when u play against a "10%" guy (u're going to eat him) or against a "90%" guy (he's going to eat u