Uncle E, thank you SO MUCH for this! I had just checked back on this after setting a drive aside a while back and when I read this comment I gave it a try. Plugged it into my iPad Pro, opened Files app, typed in my password. Boom! Drive accessible all files present! Cant believe it was less than a day ago when you wrote this too!
In addition, password saved by macOS keychain was wrong, when deleted and drive plugged back in with password entered again suddenly working fine on macOS.
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I'd perhaps suggest others try checking if they have a password saved on the keychain, if so are you sure it's correct or could it be something else? Test on an iPad or take note of the saved password then delete it from keychain and try others you may have used, did it help? Let is know. Let's see if Uncle E has got us to the bottom of this!