Brown meat on the stove-top in a medium sized skillet, or in the slow cooker if your slow cooker has a browning option. Drain the grease. Add meat to slow cooker if using a skillet.
Add the refried beans, 2/3 of the cheese, chiles, cream cheese, sour cream and taco seasoning. Stir everything together and flatten out with a spatula. Wipe down edges of slow cooker for a neat appearance.
Sprinkle over remaining cheese.
Cover and cook on HIGH for 2 hours without opening the lid during the cooking time.
Serve with chips and additional sour cream, olives and salsa if desired.