She talked a lot during my test and it was very distracting.
That sounds very frustrating. Did you confront her about this?
I told her to be quiet several times and she still kept going
It's perfectly fine to tell on someone that is being loud during a test. People shouldn't be chatting during a test.
I was talking with her before the test started.
That is fine but they still should not be talking during the test. The most important thing is that you can do well on your test.