As a professional business owner it shouldn’t matter if she’s having a shitty day, you don’t take that out on the paying customer -esp a long term one. If she couldn’t leave her personal life outside work, or control her emotions in work, and then is shitty to customers then she’s only got herself to blame when that customer doesn’t come back.
Also, it’s a bit of a reach saying she’s clearly dealing with some stuff because she was sending voice notes and WhatsApp’s! I’m sure op would have heard the voice notes, or even just the tone, so would’ve said so, but it clearly looks like she was doing it to be rude and doesn’t value her customers. Anyway, again, even if she was dealing with stuff, she should be able to leave it behind, or deal with it away from customers, and certainly not during the time the client is paying for. She was rude and unprofessional.
OP, you don’t owe her anything. As others have said I’m sure there’s been times you’ve been kept waiting past your appointment start time, most of us have in some situation or other. And really, she just sounds like the type of person to not even care if you did tell her.
ETA it was about op, because she was the one it was aimed at, regardless of whether it’s about “her or you”. Makes no difference because op was the one who experienced really shitty, unprofessional behaviour, she made it about OP, because she’s unprofessional.