If you attend school A and transfer to school B, then you’re required to have school A send your transcripts to school B. School A can place a hold on your transcripts if you owe them money. To get them released you have to pay what you owe. Some colleges will let students set up a payment plan.
If you try to transfer to school C after attending school A and school B, then you have to ask school A to send their transcripts to school C and school B to send their transcripts to school C. It doesn’t matter whether or not school A includes the transcripts from school B. In order to be official, school B’s transcripts must be sent directly from school B.
How much money do you owe? Have you tried setting up a payment plan?