It only shows up in dark images, anything bright and colourful and you can't see this big smudge-like thing. I haven't dropped it or knocked it or anything and I've only had it for 4 months from a Stormfront store in the UK. Very dissapointing
No, wiping wouldn't have caused this, the glass faceplate is pretty resilient against pressure and the metal enclosure behind the screen is pretty strong against pressure. That looks like a hardware issue. You should definitely take it to Apple asap.
Looks like Mura, also known as bad spots, to me. This should be covered under warranty/AppleCare, especially if there is no visible dents on the display clamshell.