I had a similar experience recently while riding home from my gf's house one morning last week before work, it was about 5am and I turned onto my street (very dark, no street lights on the corner) and there was a woman riding a bicycle toward me in the wrong lane with no lights. Luckily I noticed her before I ran into her as my headlight didn't shine on her because of the angle of the corner (it's not a 90 degree turn). I didn't say anything to her but I kind of think I should have, I'm shocked she hasn't been hit yet if she rides like that often. The street I turned off of and she was turning onto is a very busy street.