Finder's "Date Created" date is not date photo was taken
I'm losing accurate metadata when I export media from Photos to Finder. Specifically, Finder shows an incorrect "Date Created" for the media. Photos shows the correct date the picture/video was taken, but after exporting, Finder's "Date Created" field for the media shows a date that is not the day the picture/video was taken. I can't figure out exactly how Finder is generating the date, but for every photo before 9/13/19, it shows 9/13/19 as the "Date Created" date. Every photo after 9/13/19 has a "Date Created" date that is a few days later than when the photo was taken. Interesting probably-not coincidence, 9/13/19 is the day I ordered the iPhone 11 Pro. I received it a week later.
I've tried every combination of export in Photos I know of...unmodified original, unmodified original with IPTC as XMP, regular export where edits are baked in, simply dragging from Photos to Finder...I can't figure it out a way to get the "Date Created" field to show the day the photo was taken, so wondering how Finder determines that field.
I have two questions: 1) What determines Finder's "Date Created" date and 2) Is there a way export media from Photos to Finder so it shows the correct date the media was taken?
Thank you in advance!
MacBook Pro 13", macOS 10.15