I read this story in the 1990s.
A little boy goes into a graveyard and meets a woman.
He goes into a crypt. This is house of ghouls. The boy is in fact a ghoul(!).
The boy's father collected finger bones
There was a girl with black hair and a little bat woven into her hair.
The woman from the graveyard goes into crypt. The boy mesmerizes her and his family eat the woman.