Pull the liner out of the inside of the door. This will not "reset the combination." The person who told you that is an idiot.
Some liners have to be lifted, then pushed in at the bottom so they can be lifted out by the top. Others just drop far enough to come out. If there is a plastic plug in the middle of the liner, pull it out. The hole is there to give you a place to grab to lift the liner out of the frame.
You'll see a brass box at the back of the combination dial. It has a screw in each corner and a small hole that looks like a keyhole. Here is the problem. A good safe has a mechanism called a relocker. This mechanism will release a pin to jam the locking bolts in place if a thief tries to hammer the lock out of place. Sometimes these attach to a plate that attaches the lock to the inside of the door. Sometimes they are attached to the lock by one of the four screws in the corners.
IF THERE IS A RELOCKER MECHANISM BLOCKING THE BACK PLATE ON THE LOCK, STOP. Take pictures of it and post them.
If there is nothing blocking the backplate on the lock mechanism, remove the four screws and there's the lock. Don't unscrew the nut in the middle of it. The tumblers are the round plates. Spray some lube into them and blow it out with a can of air to clean them. Then use graphite or silicone lube to slick it up. For some real fun, dial the combination and watch how the lock operates while you open it. It's a pretty simple machine, but very interesting.
S&G locks also have an internal relocker, which is a part bent at a 90 degree angle. A spring pushes it outwards, so that if the back of the lock comes off, the relocker drops into a hole in the latch and the latch can't retract. Make sure that this pin is in place, cleaned, oiled, and free to move. When you put the plate back on, it pushes the pin out of the way so the latch can move.
After you put the plate back on, leave the door open and open the bolts, then spin the lock so it's locked. There may be a small, metal tab somewhere around the door frame that prevents you from turning the locking bolts unless the door is closed. If there is one, you can usually push on it with your finger and close the locking bolts. Now try your combination again to make sure that the lock is in proper working order.