In a large skillet, heat oil and add onion and garlic. Sauté for about 5 minutes until soft. Add beef and taco seasoning, cooking until meat is browned. Add beans and Spicy Sandwich Spread. Mix well and let cook for a couple of minutes so that the flavors can meld and the mixture can thicken.
In a large 9×13″ baking pan, line up all the taco shells. Fill each one with a couple of scoops of the beef mixture and pack down into the shell. Repeat until all the shells are filled. Top each taco with shredded cheese.
Bake for 8-10 minutes (or until all the cheese is melted).