The following may not have all the arguments you need.
$args = array(
'taxonomy' => 'TAXONOMY NAME'
'meta_query' => array(
array(
'key' => 'FIELD NAME'
'value' => '"'.$current_user->ID.'"',
'compare' => 'LIKE'
)
),
'fields' => 'ids' // return just a list of term IDs
);
$terms = get_terms($args);
$args = array(
'post_type' => 'product'
'taxonomy_query' => array(
array(
'taxonomy' => 'TAXONOMY NAME',
'terms' => $terms
)
)
);
$query = new WP_Query($args);