Use of "I am having" on Stack Exchange sites
Solution 1:
"I am having a problem" sounds more like the speaker is talking about a current and recent ongoing process, which is probably why it tends to show up on SO. "I have a problem" also has an idiomatic usage meaning the speaker is objecting to something, which isn't a meaning that occurs with "I am having a problem".
It's perfectly valid; it is the present participle.
Solution 2:
From my observation, I think that Indian English uses the present progressive in a number of cases where other Englishes do not. "I am having a problem" or "I am facing a problem" is a phrase I have often seen in posts from people in India, on this site and elsewhere.