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One of the panda factors that people have listed is over optimization.
I have the product name in the title tag, h1 tag, bold, alt tag, etc, which could look like an overoptimization
That's not necessarily over-optimization. If the product name is ONLY what's in the title, h1, bold, alt tag, etc. (without any other words) then the could be considered over optimization.
Anyway, different people will have different definitions of over optimization. Essentially over optimization is un-needed optimizing of your site by placing keywords and or phrases in places that are not helpful to your users and are only in place to try to boost your rankings.