Go to the following Directory :
C:\ProgramData\Microsoft\Windows\
Now Right click on the folder named "Systemdata"
Left Click "Properties"
Left click on the "Security" tab
Left click on the Advanced" button located around the bottom right corner
where it says "Owner" at the top on the second line of text click the option to "Change" which is a blue text color.
when the new window pops up Left click the "advanced" button
when the new window pops up left click "Find Now"
out of every thing the list finds and pulls up to view at the bottom of that window scroll all the way down and you should see you're user
name and email address. Left click on it and then left click on ok.
Click ok again on this older window thats still up.
now left click on "SYSTEM" under the "Principle" tab section
Now left click on the "Edit" button
under the "Basic Permissions" list check the "Full Control" option
left click "ok" (window will close)
left click apply and then "ok" (window will close)
left click apply and then "ok" (window will close)
You and anyone else should now be able to change your lock screen photo with no stuck loading screen.
This is a coding flaw on Microsoft's part by not allowing the system to access the file directory and read/write/modify certain files. I went through very hard lengths to learn how exactly
to fix this issue as it had really got on my nerves that I spend almost $130 on windows 8.1 and then yet another $100 on the Windows 8.1 Pro Pack and after installing and completely updating running into this devilish little coding error from Microsoft that
wouldn't allow me to change my lock screen photo. I thought "welp...better search and help others fix this since it gave me so much trouble to figure out on my own".
My personal opinion is Microsoft should have caught this before releasing 8.1 or at least fixed it in a update and my other opinion is that after a Microsoft tech had the audacity to try
and offer me $100/30 days of software support even though the flaw is obviously in 8.1 and not any of the users faults (including not mine like the tech was trying to force on to me) that I should be thanked for fixing their problem and reporting it publicly
like this so they can get it fixed for their customers. I love Microsoft I think they are a very innovative company so don't take anything in this post the wrong way I am simply giving constructive criticism and trying to help others users as well as the Microsoft team.