['my neighbor keeps borrowing my shopvac and she never returns it on time', 'You may want to think about not letting her borrow it anymore.  Sounds pretty rude to me.', "i'm a nice neighbor but this hass been happening too many times now"]
Maybe ask her to set the time when she can return it so you have a better idea when to expect it back.
my neighbor keeps borrowing my shopvac and never returns it on time