Mix cream cheese, sour cream, beans, and taco seasoning until evenly blended. Stir in diced jalapenos (to your liking). Spread mixture into a 9 x 13 (or similar) baking dish. Preheat oven to 350 degrees. Bake for 30 minutes. Top with shredded cheese and put back in the oven to melt. Serve warm with frito scoop chips!