Hello Snoopy and Welcome!
Your dream is not disturbing to me at all. I'm getting a sense that this little girl you speak of may be a child from a past life and she may now be a spirit guide of yours.
Most often, spirit guides appear to us in dreams to help us through difficult times such as stress, a death in the family, etc..... They aren't here to hurt us, but rather to guide us. They don't speak to us and it's frustrasting as all get out. However; it is up to us to figure out why they are appearing in our dream(s).
I do think you're meditating too hard. Try to step back and relax.I realize it's frustrating, but please, try to relax. Read a book, take a hot, relaxing bath, whatever makes you feel most comfortable.... It's often when we do that, that the answer will appear. And when it does, it's as though "Oh, I get it now!".
Good Luck! And please let us know how it all turns out.
Mary