General:
* Issues
* Challenges
* Difficulties
* Troubles
* Matters
* Concerns
* Predicaments
* Complications
* Hardships
* Obstacles
Formal:
* Dilemmas
* Quandaries
* Impediments
* Adversities
* Setbacks
Informal:
* Hassles
* Snags
* Bumps in the road
* Messes
* Headaches
More specific:
* Technical problems: glitches, errors, bugs, malfunctions
* Personal problems: struggles, burdens, worries, anxieties
* Social problems: injustices, inequalities, conflicts, tensions
* Financial problems: debts, expenses, shortages, bankruptcies
It's best to choose a word that best reflects the specific type of problem and the tone you want to convey.