I can't think of any personal stories, but let me share with you one of my favorite scary stories from my childhood.
Disclaimer: This is an excerpt from a compilation of scary stories and urban legends by Alvin Schwartz called Scary Stories 3, More Tales to Chill Your Bones
(1981).
The Red Spot
While Ruth slept, a spider crawled across her face. It stopped for several minutes on her left cheek, then went on its way.
"What is that read spot on my cheek?" she asked her mother the next morning.
"It looks like a spider bite," her mother said. "It will go away. Just don't scratch it."
Soon the small red spot grew into a small red boil. "Look at it now," Ruth said. "It's getting bigger. It's sore."
"That sometimes happens," her mother said. "It's coming to a head."
In a few days the boil was even larger. "Look at it now," Ruth said. "It hurts and it's ugly."
We'll have the doctor look at it," her mother said. "Maybe it's infected." But the doctor could not see Ruth until the next day.
That night Ruth took a hot bath. As she soaked herself, the boil burst. Out poured a swarm of tiny spiders from the eggs their mother had laid in her cheek.
For more of these short, fun, frightening little tales, I highly suggest Alvin Schwartz' "
link" series. It's particularly great for kids, and scaring younger sisters!