There are two dollar amount fields which are reported each time with any installment loan. One is the Amount Originally Borrowed. This is the amount you, um, originally borrowed. Means just what it says. By definition there could be no interest in this figure since on Day 0 no interest had yet accumulated.
The other is the Amount Currently Owed on the account. Here some of the amount could be interest, depending on when you make your payments. Typically only a small amount would be interest: at most one month's worth. The rest of the reported amount would be capital. But there are situations where a lot of interest could have accumulated, causing the Amount Owed to be much higher than the Amount Originally Borrowed. An example would be a student who takes out an unsubsidized student loan as a freshman and who stays in school until he has finished his doctorate (during which time no payments were made).
So the creditor can report a figure, much of which consists of interest, and which is substantially higher than the amount originally borrowed. But if you have been making monthly payments since the start of the loan, and if each payment at least a tiny dent into the principal, then this would not happen.
