I made one the hardest decisions I EVER had to make to win. I am black.

Here on move 9, I had to either lose the rook, or resign.

That is ONE OF THE hardest decisions that I have ever had to make.

I used 4 minutes on my clock to think this through.

Couldn't you just have done nothing?? He takes knight with queen, you take bishop with pawn. No mates available because your dark square bishop could move over to c6 and protect the square. Not only that, pushing d5 is fine as well. Also just how are you 1100-1200 in all modes except classical, in which you are over 1800?

why?

You can play d5 then Bb3 c4 / dxc4 dxc4 bishop takes c4 and then Ne5 attacking g4 and c4 then the game should continue Queen xh5 and your knight take c4 and u have the advantage

Ok, I have not checked thoroughly but u seem to lack fantasy. What have you contemplated within those 4 min?

What about Kh8, Bf6, Qa5+, d5, b5 etc.

Every move is legit because on Qxh5 you have gxh6...