In a large saucepan, over medium heat, heat the oil. Add the onion and garlic and saute for about 2 minutes, until fragrant. Add the broth, beans, chile and the spices. Bring to a boil. Add 3 cups cooked chicken.
Reduce the heat and simmer uncovered for 5 minutes. Remove from the heat. Whisk together the sour cream and heavy cream, pour into the hot soup and stir to combine. Serve warm, with a squeeze of lime over each bowl, and the toppings of your choice.