Preheat oven to 375. Spread refried beans into bottom of deep dish baker (could use 8 x 8 baking pan). Combine cream cheese, sour cream, and taco seasoning in bowl. Add garlic to cream cheese mixture. Sprinkle tomato, olives, and onion over creamc cheese mixture. Top with cheddar cheese. Bake 25-30 minutes or until hot. Serve with sour cream and chips.