So, once it told me that another user - who is on vacation in the Bahamas! - was editing the same record. NOT. It also sometimes just shows "another user" as editing the record.
I was manually, using the delete key (or backspace, depending on where I was in the text field), removing the beginning and ending quotes from a block of text. Not only did it do the Conflict thing, it removed all the apostrophes, messing up the contractions, *and* it put in a bunch of html formatting with the <br> stuff - that was not in there to start with - it is in there as text, not as code, so I have to somehow manually remove it.