I've had this issue over multiple iterations of OS. This began for me in High Sierra, followed into Mojave, and now into Catalina. I finally figured I'd deal with it. I've tried everything I've found currently, and nothing works.
I've done the following.
Deleted everything in my Keychain folder and rebooted.
Deleted the entire /Library/Keychain folder itself, and rebooted.
Tested another profile, which did work, however it doesn't help me aside from knowing something's messed up with my profile.
Any other ideas before I blow this profile away? This is a work laptop so it'll be a pain to get this back to normal working order.