Preheat the oven to 400ºF.
Heat a medium cast-iron skillet (or any oven-safe pan) over medium-high. Add the oil. Add the beef. Cook, stirring occasionally and breaking up the meat with a spoon, until browned, about 5 minutes; season with salt and pepper. Add the spices. Cook, stirring often, about 1 minute. Add the onion, jalapeno, and garlic. Cook, stirring often, until softened, about 3 minutes. Add ½ cup water. Cook, stirring often, until absorbed, about 2 minutes. Stir in the beans. Reduce heat to low and cook for 1 minute.
Meanwhile scatter the chips on a rimmed baking sheet. Toast in the oven until lightly browned, 3 to 5 minutes. Watch them so they don’t burn! Transfer to a basket or bowl.
Switch your oven to BROIL. Top the beef and beans with the cheeses and place your skillet under the broiler. Just watch until the cheese is melted and starts to brown in some spots, about 2 minutes. Top with the scallions, tomato, pickled jalapeno slices, avocado, and cilantro.
Serve the dip directly from the skillet with the chips.