Brown ground beef, seasoning with salt and pepper, in a large skillet then drain if necessary. Add to the bottom of a 6 quart crock pot with enchilada sauce, pinto beans, taco seasoning, and shredded cheeses then stir to combine.
Cut cream cheese into hunks then nestle on top. Cook on low for 1-1/2 - 2 hours or until dip is hot and bubbly. Stir to completely incorporate the cream cheese then serve with tortilla chips.