For me, it's Topps.
- Among the releases from Topps I like the most are 93/94 and 94/95 Finest, they have discoloration problems so the cards look like crap and these problems run nearly to the end of the decade.
- Poor checklist in their inserts, especially in those earlier years.
- No refractors for inserts, other than test refractors.
- No rookie card refractors for 95/96
- Most of their inserts are pretty ugly
- Poor choice of photography
- Back designs for the most part are pretty ugly
- Ruined Finest with too many parallels / tiers
- Inconsistent numbering style for serial numbered cards and non-existent serial numbering even for pack inserted parallels.
- Addition of Pop Culture cards in sports products
- Stopped making Topps Gallery for a number of years and then restarted all of a sudden after some of my favorite players were on different teams, or in career decline.
- Sticker autos galore in their 2000s stuff
- Creativity overall was poor (TSC, TSC Chrome, Topps Flagship, Topps Flagship Chrome, real original

- Probably inspired Panini with the amount of parallels they put out over the years, especially in their TSC and later Chrome variants.