If $T$ is bounded and $F$ has finite rank, what is the spectrum of $T+F$?

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Suppose that $T$ is a bounded operator with finite spectrum. What happens with the spectrum of $T+F$, where $F$ has finite rank? Is it possible that $\sigma(T+F)$ has non-empty interior? Is it always at most countable?

Update: If $\sigma(T)=\{0\}$ then $0$ is in the essential spectrum of $T$ ($T$ is not invertible in the Calkin algebra), hence for any compact $K$, $\sigma_{ess}(T+K)=\sigma_{ess}(T)=\{0\}$. For operators such that the essential spectrum is $\{0\}$, it is known that their spectrum is either finite or consists of a sequence converging to $0$. I think it should be the same for operators with finite spectrum, but I cannot find a proof or reference.

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It is always true if $T$ is self-adjoint. Here is a theorem that you might be interested:

If $T$ is self-adjoint, a complex number is in the spectrum of $T$ but not in its essential spectrum iff it is an isolated eigenvalue of $T$ of finite multipliticity.

The result can be found on page 32 of Analytic K-homology by Nigel Higson and John Roe.