If you don’t say anything to either the venue or the person taking credit for your images and then use the images you shot in your portfolio you run the risk of someone thinking that YOU are using images credited to this other person and that could bite you severely further down the line, if you are not gonna talk to the venue, vendors or the other person then you should never put those images in your portfolio, it could be very difficult to argue months from now if someone recognised an image in your portfolio if you use that to pitch for work from those vendors or venues that was previously credited to the other person (I’m purposely not calling her a photographer), my two cents is I’d definitely enlighten everyone to the fact that you were not tagged or credited with images you shot.

Every wedding photographer I know stipulates full payment before day of wedding so the comments decrying op’s decision on that front hold no water, only mistake op made in my opinion was not getting a schedule of deliverables in writing.