I agree with stopdog. I would be far more annoyed by the "young lady" than by the "I have." But then, I'm almost 50 years old, and when I was growing up, "young lady" was what you called a little girl you were disciplining. "All right, young lady. Enough of that. You get yourself in that bed right now!" To be called "young lady" now (and I still am, sometimes) strikes me as demeaning.

I do understand how the "I have" can be taken as "I own," but it doesn't sound to me like it was meant that way. The "young lady" part was probably harmless too, but it irks me personally.