If the thumbnail is fine but the picture is vastly different, I'd guess there's something broken in the camera. You don't need to drop these crappy electronic devices for them to break these days, they just tend to break on their own.
The picture you're seeing on the camera is really just that same thumbnail in a larger size. The camera displays that because it's faster to load than the whole picture. When you view the image on a laptop, you're seeing the whole image, not just a thumbnail.
Of course, whether or not the camera is broken is just a guess... you didn't post a picture for anyone to look at.
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