I had some Apple Keychain issues after upgrading to Mac OS X El Capitan yesterday. Apple provided a reasonable resolution (blow away the login Apple Keychain and re-create it). As it turns out, my issues weren't limited to just the El Capitan upgrade. The Juniper Networks' VPN client, Junos Pulse, has some pretty awful issues.
The behavior went something like this:
1. Save a password for a VPN connection in Junos Pulse VPN client
2. The first use of the VPN connection will be fine
3. Disconnect VPN connection
4. Close Junos Pulse VPN client
5. Open VPN client
6. Attempt to connect to recently created VPN (with saved password)
All hell breaks loose; Apple Keychain issues galore. Literally every Apple Keychain becomes unusable to some extent and a reboot is required to resolve the issue.