Not a ghost story but still terrifying:
First time out to the house my great aunts lived in since forever. The last one had passed so we went out there to clean the place out. Im about 10 at the time. So pops decides we're spending the night. He and my uncle are trashed.
I find a bed near a window in a spare room. Its dark so i turn on the light to read. A few minutes into my book I hear the sound of something banging on the window. I look over and theres a bunch of fucking tarantulas on the screen, and more are jumping up there. I screamed like a banshee. My drunk uncle and dad come in there ready to fuck shit up. Im just pointing at this lovecraftian horror on the window screen.
They laughed and said oh yea theres a bunch those fucking things out there. They eat the bugs that are attracted by the light. Yea I didnt sleep and the next morning I made my dad carry me to the car.
Fuck all that noise.