Symptoms: User continued to have issues opening word or excel from SharePoint.  At times it would ask for credentials, you would enter a username, then the screen would disappear without a password request. Other times it would open, but would not let them edit the document.

Errors:
Account Error
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or
Account Error
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Resolution:

The root cause was the TPM. However, the root cause of the TPM messing up is unknown, I didn't see the need to dive into it as the user did not benefit from having it on.

A temporary fix was to reset the TPM in windows:
-> Start menu search
-> type and click on  "Windows Defender settings"
-> click Device Security
-> click security processing details
-> click security processor troubleshooting
-> click clear TPM

The permanent fix ended up being to disable the TPM Module in the BIOS Completely.