Brown the burger with the onions, bell peppers, garlic until burger is no longer pink. Stir in taco seasoning and black beans. Cook until warmed through. Stir in half the cilantro and the lime juice. Set aside.
Mix the cream of mushroom soup and sour cream together and set aside.
Grease a 9 x 9 pan. Lay one tortilla shell in bottom of pan. Spread a half the soup mixture and half the meat mixture on top. Top with Swiss cheese. Lay another tortilla shell on top and repeat the process using the rest of the soup mixture and meat mixture. Top this with the Mexican blend cheese. Lay the third tortilla shell on top and top with Cheddar cheese.
Bake at 350 degrees for 25 minutes. Top with the rest of the cilantro.