Hello,
Your symptoms are suggestive of seborrheic keratosis(a non-cancerous benign skin growth that originate in keratinocytes and like liver spots, are seen more often as people age),solar lentigo(dark (hyperpigmented) lesion caused by natural or artificial ultraviolet (UV) light) or pityriasis versicolor(fungal infection)
I feel that an examination by a dermatologist will be the best. Without examination,it is very difficult to say anything.You can however log on to the following website and see the colored pictures of these lesions and see if any of these match your symptoms: http://www.visualdxhealth.com/searchResults/adult_Female_Neck.htm
Hope it helped. Take care and pls do keep me posted on how you are doing and if you have any additional queries.
May be tinea versicolor.A pic would help to spot.