I have made this religiously for every party and gathering I have hosted or have been invited to.
2 cups sour cream
1 block of softened cream cheese
Liquid taco seasoning (see pic below)
1 small can diced chilies (not jalapeños)
1 can of refried spicy beans
Mix the above with a hand mixer
Spoon into the bottom of a bowl or pan
Cover in shredded cheese
Top with shredded lettuce and chopped tomatoes and sprinkle with green onions and cilantro
Serve. Watch it disappear in minutes.
Everyone loves it. Seriously.