Not entirely true, its when the encoding format does not match...
However, in the case of database and website providing the data is fine in the actual database tables the problem is caused by the charset of the HTML document (as should defined in the head section) - generally UTF-8 is a decent character set to use as it covers all bases.
Many web/software developers have no clue about data/text encoding and the character sets, I highly recommend developers look into it...
http://annevankesteren.nl/2004/06/utf-8
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