'Funding Circle total' incorrect

Yes you are right. These extra funds usually come from FC selling your loan part twice, which they still do occasionally. The 'correction in 24hrs' is the myth, it goes on for years, the fault has existed forever and FC have done nothing much about it, unless you ask them, or leave.

It is best to deposit and withdraw in round numbers, so that the check you have done is easy, and the error is obvious (just comparing the last digits of all time earnings with those of total funds). 

They blocked a withdrawal of mine due to balance reconciliation.

In my case the system thought I had a trapped bid and refunded my transaction cost. I actually had an accepted bid and received interest on a loan part I hadn't paid for. When they spotted it I had long since sold the part. 

They only noticed once my balance was very low. It then took them several days and an email prompt to correct my account.

My account has never reconciled for years but at least stabilised to an unexplained difference of £155 for over a year - until recently.  For the last couple of weeks it has been moving all over the place from -£500 to +£500 when I perform my weekly reconciliations.   I gave up on FC on fully reconciling my account years ago, but at least I though they had stopped further explained differences building up.

Any back office system that does not automatically account balances with movements in investments, cash and P&L is a nightmare waiting to happen.  All modern systems should automatically reconcile - its double entry 101.  All I hope for now is that my difference remains in the current range (and preferably in my favour) and doesn't blow out to leave a gaping unexplained black hole in my account.........  Not being able to fully reconcile client accounts on a regular, consistent basis is not really acceptable for this type of business, particularly one that is meant to be regulated by the FCA.....

After posting this, the total has magically fixed itself today
Big brother must be watching....

Magic definitely not involved, but it could be big sister monitoring, if your account can be identified from your name here.

They may have taken away your free virtual money to give to stonk, for a while.

We here have two accounts, one £39.96 high and the other £34.46 high. We will see if that now disappears, and I would like it to go to stonk.

You're clearly not watching them closely enough. Observe harder and you will see the gremlins at work

I had an "account reconciliation problem" recently, some money went missing inexplicably from my total.

I was told it was due to a loan part I'd bought on the SM ... (which I haven't, in a very long time) which somehow I hadn't paid for.

Then I was told it was one I'd sold that had sold twice, and they were clawing back the error. Also wrong -- I had sold a small number of loan parts and saw each and every one of them off -- one entry-set on statement, one entry in "stuff you sold" page, one loan deleted from my personal spreadsheet, cash available increased by expected amount. If any had sold twice, I'd have noticed and been "up" by the amount of 1 loan. I wasn't.

The amount missing did not correspond to any of the loan parts I did sell.

Never did get a satisfactory explanation, so I came to the conclusion that they have no idea what happened, and won't/can't fix it.

How P2P companies are allowed to run such shambolic accounting, I don't know. If it was a high street bank, it would be all over the news. But for P2P -- lift the carpet, sweep once, and continue.