used to ask if someone is alright or if there is a problem
What seems to be the problem? / What's the issue?
a direct way to ask someone about their problems
What's on your mind?
used to ask someone about their troubles; often used when someone is visibly stressed or bothered
used to ask about the purpose of the conversation or activity
the most straightforward way to introduce a problem
The main issue is...
said to introduce the main problem you have; implies that there may be other, minor problems that need to be discussed
I'm concerned about...
used to introduce a matter that you are having troubles with or worries about
There's something I need to talk to you about.
a way to invite someone to a serious conversation to discuss personal matters
said when there is a serious problem to talk about
What bothers me is...
said to address something that is troubling you
There's something I need to get off my chest. / I got to get this off my chest.
said when you want to tell someone about something that's bothering you, making you feel guilty, or in general just something that you need to disclose
I'm having a hard time with...
said to express that you are having difficulty with something and may need assistance
I've had it up to here with...
said when you are completely annoyed or frustrated about something or have reached the limits of your patience, resulting in the need to address the problem
used when you want to point out something that you extremely dislike and cannot put up with, hence the need for it to stop
...is giving me a headache.
not meant literally; used to say that something is giving you troubles or making your situation difficult
...is getting on my nerves.
said when you are feeling annoyed and bothered by someone or something
a direct way of saying that you have a problem that you need help with; often denotes the problem is serious
I'm short on cash. / I'm a little short.
means that you don't have enough money to pay for something
I have a lot on my plate. / I have so much on my plate.
means you have a lot of things to do, are very busy, or just have a lot of problems to deal with