Credit reports - what they tell you

I saw my credit report - BUT not the score. (I was able to get that later from another source)

I financed a new pontoon boat through a major bank, made monthly payments for 1 year, then paid it off in one payment $16,000. So the bank "lost' $10,000 interest money in me paying this off early instead of over 8 years.

So a notation in the credit report re: my loan said, "Did not make payments as agreed upon.'

How's that for bullshit??!!