how do you say...?
I want to say "she has trust issues" but I don't know if it is well... or "she had trouble with trust". Can you help me?

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Both are fine. I would probably use the first one though as it sounds more current. 
Whereas the second sounds as if she no longer has trust issues.

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Either one is fine.

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You said it right the first time Nicole; "She has trust issues."

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Yes, the first one is better - clear and unambiguous.

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what I understand, has comes for present perfect tense means she still not trust her/him had for past 
She had a trust problem means in past she not trusted on him/her but now she trust.

I am also improving English, lets see what the answer says..:)

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