Preheat Oven and Prepare Baking Dish: Preheat your oven to 375°F. Lightly grease a 9x13 inch baking dish.
Cook the Beef Filling: Heat olive oil in a large skillet over medium heat. Add ground beef and onion, cooking until beef is browned and onion is tender. Stir in garlic, cumin, chili powder, salt, and pepper, and cook for another minute. Mix in pinto beans, and cook until heated through. Remove from heat.
Assemble the Enchiladas: Lay a tortilla flat on a surface. Spread about 2 tablespoons of enchilada sauce on the surface of the tortilla. Place a portion of the beef mixture down the center of the tortilla. Sprinkle a generous amount of both cheeses over the beef. Roll up the tortilla and place it seam side down in the prepared baking dish. Repeat with the remaining tortillas and filling.
Add Sauce and Cheese: Pour the remaining enchilada sauce evenly over the top of the rolled enchiladas. Sprinkle the remaining cheese over the sauce.
Bake: Bake in the preheated oven for 20 to 25 minutes, or until the cheese is melted and bubbly.
Serve: Garnish with chopped cilantro, chopped tomatoes, sour cream, black olives. Serve hot.