What you have there is a dirty nasty nickel that has probably spent some time in the dirt or somehwere else that it got enviromental damage. Its a spender.
Yes to Environmental Damage. Your Nickel was affected by the elements. Soil, dirt, sand, dirty water etc. will do this to the surface of a nickel. I metal detect and have found plenty of Nickels such as yours over the years. This would be a true wrong planchet/off metal Mint error. From my collection -
