problem / issue / matter

problem : 困ったこと
What’s the problem?
He is a problem.

issue : 話し合うべきこと
There is no issue.
What’s the issue with it?

matter : 事柄
It’s a matter of time.
What’s the matter.

Reference source

• https://www.rarejob.com/englishlab/column/20201109/#:~:text=problem%2Fissue%2Fmatterの本来,ことというわけではありません。